Last week I received an phonecall offer of £1650 on my charges post Jan 2004 which I have accepted and received in my account. Yippee!!!. I am now working on claiming on charges pre 2004. I will add more information when I send off my letters asking for it back

I received a reply to my pre-lim letter back in Sept/Oct offering £450 of the £958, I haven't replied as yet as I have been busy with other claims and other issues in my life, lol, I am going to write and reject their offer of settlement and also ask for statements pre 2004 which I still have not yet received. I shall also been adding a few new charges I have recently incurred.

A brief outline of the story so far..... In September I requested statements going back 6 years and received statements back to May 2004 in reply. I complained about this over the phone and was told that due to the earlier statements being held on Microfiche I would have to pay an extortionate amount of money to get them. I wrote a letter at the end of September making a preliminary approach for repayment using figures I had and estimating the rest. At the end of October (well after my deadline date but I was pre-occupied with Capital One/Natwest) I received a letter from a customer relationship manager who denied the legality of my argument but offered me the difference between the charges I had paid and £12 (their new charge amount). This amounted to £393 and was refunded immediately onto my Barclaycard without me even agreeing to it. Also they did not provide any breakdown of how the £393 figure was reached, for all I know/knew it could of been plucked out of thin air. I have replied to them accepting the amount as part payment and requesting the rest that I am owed (a letter before action). I again used my estimated amount but said that if they could provide statements that showed I was charged less then I would be happy to accept that amount. If I don't receive a reply within my deadline I will immediately put in a moneyclaim. Does anyone know what stage that Barclaycard usually let it get to before they pay up?. I am claiming a further £587 on top of the £393 that I have already been repaid. Total amount £980. I have already been successful in reclaiming £2900 approx of charges from banks!!!!!!

Okay now for the story of Part 2, I wrote to Capital One requesting refunding of charges pre-004, they did not respond so I made a claim online at the end of December, Capital One acknowledged the claim and then I received a letter stating I would be receiving a further cheque for £565 which I got on Tuesday this week. Of course they don't admit liability but are paying out to avoid going to court. But now finally after 3 claims my action against Capital One is over and I no longer have any cards with them! now bring on Barclaycard and Halifax!!!!!!

Today Capital One Agreed To Pay Up On This Claim As a Gesture Of Goodwill And With No Admission Of Liability The Full Amount Of £603.49 CLAIM WON! I also now have the statements from Capital One For The period Pre 2004 so I will be sending a letter to the them today requesting the repayment of this money, and in effect starting Miller V Captal One Visa - Part 2

sorry just wondering how its such a high figure for a credit card? not doubting its validity but that seems to be a high figure to claim for

My thoughts yesterday were right, they are having a burst of getting claims settled and are now settling claims acknowledged from the 9th Oct onwards. CLAIM WON! Cap One have agreed to pay the full amount £878.94 without any admission of liability. Thats a big difference from the £283 or so they offered! woo hoo!!! :D :D :D

Thanks, its just that I noticed on these forums today that claims acknowledged from the 3rd to the 9th of October paid out today. So I'm hoping that in the next week I may be lucky. I was just wondering what the general give up time is with Cap One.

Its just gone past 40 days, I'm going to call Cap One tomorrow and find out if and when they are being sent, if i don't get a satisfactory response then I will write to the information commissioner. I know splitting it into two parts could be risky if I'm careless. I made it clear in my claim for Jan 2004 onwards that I would be making a further claim for the Pre 04 period when Capital One provides the required statements. I will not sign any settlement on part one that excludes me from making the further claim. I think a judge will see that I have been reasonable if I make a second claim on this card. I have always made it clear in my letters that I would seek further recompsense should I discover that I am owed further funds.

Against advice I have decided to claim from my Capital One Visa in two parts as I have all the statements back to January 2004. I issued a pre-lim letter asking for £473.78 back in early sept which is the amount I'm owed for the period of statements I have minus a refund that I was automatically given when I rang up their customer services. I also at the same time submitted a S.A.R for the statements pre-04. I received a reply in late Sept offering £279 to which I replied with an LBA on 29/9/06 accepting only as part payment and requesting the full amount to be paid. A week or so ago I received another reply saying the offer of £279 still stands but they would not be increasing it any further and that this is the last word on the matter. I submitted a claim for £603.49 yesterday (23/10/06) which is the amount owed plus interest and my claim cost. I still haven't had a reply to my S.A.R., I made it clear on my claim that I would be making a further claim for money when Capital One provides the statements requested. Capital One seem to be dragging their heels a bit with my claim on my Mastercard, here's hoping this one will be resolved quicker.

I put in my claim on 5/10/06 and it was acknowledged on the 11th, could anyone advise how long Cap One usually take to get in contact after acknowledging a claim? Thanks!

Natwest Today Paid Out In Full Whilst Not Accepting Liability Of Course. Woo Hoo!!!!! Thats Only 13 days since filing the claim, I shall be making a donation of course, they just sent a letter and a cheque for the full amount. Once the claim was in they dealt with it so quickly which is cool. CLAIM WON!

Its a normal tactic so don't worry. As long as you have followed the advice given on this site you will be fine. You will receive a letter or a call offering full settlement.

Another claim in progress Worked out a little while ago that I had accrued £720 in charges in the 3 years the account has been open. I wrote to ask for it back and was told no, not even a partial offer like some of the other banks. I wrote again after the 2 weeks with an LBA Again a sod off letter from Stuart Higley Claim filed online today for £720 + 151.06 in interest and my £80 court fee I will keep you updated! G

Claim Filed On Moneyclaim Online Today For £720 + Interest + Costs