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  1. Hi, I am attempting to contact Capital One to claim back PPI charges going back a number of years. Capital One however will not help me unless I can quote my full card number. I no longer have the card - it hasnt been used for probably over 5 years. All paperwork that I receive from Capital One in the post uses XXXX in place of the account number - only quoting the last 4 digits. Unless I can quote the full number they will not discuss with me - I have explained that I cannot quote the full number as they do not add it in any of their correspondence and it is an old card that I no longer have. I am new to re-claiming charges and am uncertain of what I can claim or how to go about it. Is there anyway that I can get Capital One to acknowledge my claim without the full account number? They are refusing to discuss with me on the phone, even though I can answer all security questions.... Thanks - all advice gratefully received!
  2. Hi, I'm wondering if anyone has been successful in reclaiming Service Charges and Default Charges from Studio Cards? I have today contacted Studio requesting my full trading history by transction, so I can calculate the total goods purchased Vs Service charges, Default charges and PPI. I had an ongoing issue with them for several years in that I was receiving their statements just before and occasionally after the invoice due date - giving me no time to make payment. I am new to re-claiming charges and am uncertain if I am within my right to try and reclaim service and default charges, or how to go about it. Thanks in advance!
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