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Posts posted by kia

  1. its unlikely though as theres already a court ruling on credit card charges so pretty hard for them to fight it really but i stand corrected, but 2 cases out of the many that do court cases againgst them isnt many is it prob more a case of them trying to intimidate, than them been in the right and they cant be allowed to do this but fair point with any court case u do need to be prepared for that eventuality what u dont mention is did the ppl whos court cases went to actual cour,t who won did the credit card ppl win cos i would doubt it xxxkia

  2. Not been around for a while and still trying to decide which way to go with Capital One. I am still really worried about the court route, my main concerns are am I really entitled to claim back these £12 charges ? I am really worried about taking the court route and having to stand before a judge trying to defend myself when I am unsure if this money is really due to me or not. What are your thoughts anyone ? Is the court option fairly straightforward ?


    On another note I have also been trying to reclaim Halifax credit charges of £449.33 incl the amount of interest as recommended on another website. Halifax refused any offer at all, I did got to the FOS with this one and guess you are right Mike, the FOS has replied to say they see no reason for Halifax to refund anything not even the difference between the £12 and £25 charges, although there were only two of those. Again unsure if I really am entitled to refunds so dont know where to go next with this one either. Think the reply fromt he FOs is making me think that Capital One is not even really worth the fight let alone the rest .


    Should I be posting different threads for advice on each Financial Institution I am hoping to possibly claim from please ?

    right now i took the halifax to court for credit card charges and i never set foot in a court room they wont do it costs too much and yes u are entitled to the full amount back i accepted 3 quarters what they offered which was there 3rd offer so dont give it up they know they have to pay em back just want to unverve u enough to make u stop it.


    The court route is very straight forward cos its only a matter of filling out a form sending off your spreadsheet with it and thats it .


    And as for FOS wouldnt bother with them as they evidentally talk rubbish cos i got mines back enjoyed a lovely holiday in greece with my daughter on the money i got back so if i was u i would go for it but one tip is dont look at the whole court bit etc puts u right off just look at it one small step at a time hope this helps xxxxkia

  3. it says in the article u can still use cash machines but will be charged hmmm no u cant my card was blocked and i had to walk to another machine in the pouring rain with a sprained ankle and with only a jumper on as didnt know i wouldnt be able to use me card so there liars in saying i will be charged to use another machine grrrr so annoyed i have to pay to get my own money out xxxxkia

  4. Going after them for a debt mainly made out of charges but dunno how hard this is gonna be to win as bank charges arent so easy anymore but they broke so many promises and thats why this debt has esculated so i thought id start with a cca and maybe a sar but any advice would be appreciated as i know banks arent easy to fight anymore xxxkia

  5. Right am going after these jokers for a credit card debt that started off as 500 and is now nearly a grand so its time to stamp on em so all im needing to know for now is a good address to send the CCA to xxxkia


    oh and if anyone knows the address for Capital One as i need to send them a SAR as there the original debtors xxxkia

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