This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Cheque from capital one sent to court and will be with me for the full amount in the next few days! Next target Halifax!

Hi am able to request warrant for money. I will have to pay another fee for this, is that correct? Do i just fill in information on moneyclaim site? please advise thanks

Hi no response from capital one or any defence filed. Have requested judgement from the court as no defence filed by capital one. Hope this is correct action. What is likely to happen next?

Hi, Have a closed account and been offered nothing. Claim submitted at present. Still awaiting outcome.

Claim registered and issued today. Capital one 14 days to respond. Will keep you informed of outcome!

Have just registered a claim on the moneyclaim site! Fingers crossed! Thanks for all the info.

Hi has anybody tried to claim back charges imposed by this company and are they bound by the same agreements? Any advice welcome

Just received a standard letter back from capital one informing me that all fees have been added correctly and as promised in my agreement and will not be refunded. Expected reply. Will post full letter if required. Should i send another letter infoming them that i will be going to court to recover fees. etc. Any guidance appreciated or just go straight for a claim? Thanks for all the advice in the different sections.

Have worked out charges imposed and are ready to send letter requesting refund. Going to send the following letter. Is this acceptable? Also what postage is it best to send, recorded or special? Any advise gratefully accepted. _______________________________________________________________ Capital One Bank Legal Dept 4th Floor Loxley House Station Street Nottingham NG2 3HX 20th March 2006] LETTER BEFORE ACTION Dear Sir/Madam, CARD/ACCOUNT NUMBER: I now understand that the regime of “fees” which you have been applying to my account in relation to late fees and over limit charges are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £571 in fees plus interest for the sums which you have taken since my account was opened in 2001. I require repayment in full of this money. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully,