Hello Can someone help me please, I have an account with 24 Ace (Express Gifts). Last month I received my statement and noticed theyt had dropped my available credit by over £1000 Now the available balance is less than my actual outstanding amount which now shows as me being over my agreed limit on CRA's I received NO letter advising me of this, I have called them and they have failed to call me back, I have sent letters to the Preston address and nothing back... What can I do now?

Well done to you

Like this? http://i4.photobucket.com/albums/y104/marcellep/K1of5.jpg http://i4.photobucket.com/albums/y104/marcellep/k2of5.jpg http://i4.photobucket.com/albums/y104/marcellep/k3of5-1.jpg http://i4.photobucket.com/albums/y104/marcellep/2of12.jpg http://i4.photobucket.com/albums/y104/marcellep/3of12.jpg http://i4.photobucket.com/albums/y104/marcellep/1of12.jpg I hope you can all see the letters this time Letters now in order and a copy of the defaulty they sent me is also there

How do I make them bigger?

The fight is still ongoing with Capital One and now the IC have taken my complaint onboard and are willing to investigate the complaint. I thought I would share all the letters that Capital One have sent me, I would been keen to read any thoughts that anyone may have with regards to the letters. I have removed all names, accounts numbers and addresses for security reasons. I hope nobody minds but I have left the name and address of the person who sent me the letters. Letter one below Okies so thanks so IdaInFife I have now managed to show the letters a few posts below

As most say above you need to have Joint loan, Bankl account or Credit card. To be associated

I complained to the IC and this is the reply :idea:

Anyone help?

Can anyone tell me if I am etitled a copy of my default. As per cap one they do not need to send me anything at all. What do I do now? They have sent me a letter with a copy of a blank default!!!

I have now logged an offical complaint with the IC.

This is a letter I received from Capital One today, what a check the letter is dated the 7th April 2009. With the letter I have a basic copy of terms and conditions which apply to the credit card. No information they have provided is what I have asked for. I asked for “a copy of the default under the data protection act” I was told I was entitled to this by the information commissioner. I think this is just a standard letter with a few lines added.

I have had a TD but not with them! Who put you in touch with them? I done my TD through Begbies Traynor in Glasgow despite me living in Edinburgh

*Update* 14th May 2009 Well I did send an email to Richard Fairbank, who I am informed is the big boss @ Capital One. Well I got a reply Dear Marcellep This is a courtesy email to confirm that we have received the email you sent to Richard Fairbank on Tuesday and are actively investigating your concerns and how we can resolve them. I will be your point of contact regarding this. If you would like to contact me regarding your complaint, please feel free to call me on 0115 8433792. I am in the office on Monday, Wednesday and Thursday between 8.30am and 2pm. I will endeavour to provide you with a written reply, as you have requested, within the next five working days. Thank you for your patience Kelly Shaw Executive Office UK 0115 843 3792 (dept)

Well they aint done that yet, They keep updating the default on my CR. I will fight a wee bit more for complete removal.

I would not think about this for a while yet!!! I would seek advice from CAB regarding this to be honest. Good Luck and keep us all updated

Thanks I have just emailed the CE of Capital one, I have also included the IC and the FSA in the email too. I will also print the email of and send it too the address above which I have been using for mths now. It appears they just don't wanna reply....... I will fight this all the way, and hopefully I will get what I want.

Yes they where included in my TD, Just like the other defaults I have had removed. Update- The manager did call me back today, Complete idiot he was. He has told me that Capital One do not need to supply me with a copy of the default, its good enough with them saying it was applied correctly. I told him I had spoken with the IC who says I am entitled to this information. I aint sure what to do now?

I need help again (sorry) Basically Cap one claimed they have sent me a copy of the "default" which they haven't. I have sent several letters recorded delivery and spoken to them on the phone. I called again today and the staff told me they do not have a copy of the default as it relates back to 2005. Now I told them under the "Data Protection act" I am legally entitled to a copy of the default. The information commissioner told me this. So Capital one say they will get a senior manager to call me back to discuss this within 2hrs from now. What am I saying to them? I am hoping this is a good time to argue the point of getting the default removed, but not sure what to say. Just to add the only CRA which still has the default is Experian as the other have removed it due to Capital One not contacting them:mad:

Hope this is in the right place Here goes! I had a capital one credit card 5 years ago, Now the account is no longer in use as it was included in my trust deed. I am now discharged from my trust deed. The question is can I now claim back the £198 of charges the applied to my account 2/3 years ago? Thanks for your help

Thanks so much for your response, What I find really strange is that I got an email from Experian a few weeks ago saying So it appears that Capital one has replied to one company but NOT the other! I emailed Experian today asking for some sort of confirmation that Capital One replied to them. I find it strange they replied to one and not the other considering I sent the letters/emails on same day.

Help needed again! I am still arguing with Capital one regarding my default, I have been in talks with them and they said to me last Thurs that they have sent me a copy of my orginal default. Still waiting on that......... Now when I started to question the default I also contacted all CRA's to inform them that I was disputing the default. I got a reply from Equifax today I am sorry to sound stupid but what does this mean? Is that it over and the default has been removed? Thanks again

The member was logged in 2 days ago, so maybe too busy to up date us

Update! Both defaults now removed Thanks so much Now all I need to do is fight Capital one and thats mt Cra's clear

Thanks so much for that information, What I will do is await a reply from the company and see what they say. If they do not agree to remove it then I will take it to the next step. :-| Thanks again

Thanks so much! We I spoken to Arrow Global they agreed that they has been miss sold the debt and would look in to it. I have also sent a letter today telling them if the default is not removed asap I will seek legal advice Hopefully when they get them removed I only need to fight capital one now