hi, have you made more than half of the payments? if so then they haveto take you to court to take the car back if not and they can prove you have defaulted i think they can send bailiffs for it. im just about to start claiming my charges back from capital bank (i also have a car on hp with them:( )

hi, im finding it difficult calculating the intrest as im always using my overdraft so aquire "legal" debit intrest. can i just claim for the charges or do i really need to be claiming the intrest aswell for my claim to be taken seriously?

hi, im not certain about this but if u ask for previous statements i think they can charge for these but if u ask for all the data they hold about charges applied to your account they have to give you this under thedata protection act and are allowed to charged a maxmum of £10

hi, i have a royalties gold account which i thought had an agreed overdraft i dont usually use the account but was stuck so payed on my debit card for sumthing and ended up get a total of £212 in charges for a £35 purchase. Anyway i foned them up yesterday to ask about the charges the woman was really helpfull and put the charges bak in to my account. now if only HSBC would be as helpfull and give me my money back:mad:

if the bank has had to fone me to tell me about the state of my account can i still claim back all of my charges or not? ive read though the FAQand cant find this info i really dont want to start a claim and end me looking a fool! cheers michael.

Cheers so should i go about claiming money back in the same way as i would my bank charges?

Hi all, Hoping for some advice on this. I have car finance with Capital Bank and through their own error have missed 2 payments i have recived 2 letters from them charged at £25 each. When i contacted them about it they told me i have to pay the full ammount which was £30 more than the letter said, i was then told the extra £30 was for phone calls they had made to contact me it turns out they charge £10 for each call but i never received these calls messages were left with a flat mate and never reached me. Any way i asked about getting the charges refunded they flatley refused i mentioned that the may be unlawful but was told that this only applys to charges made on unsecured debt. Is this truthfull or have i just been fobbed off!!