Hi Jan, just have but it doesnt seem to show on the main screen when you search for capital one! You have to click into the capital one hread ...thingio!!haha

Sent first letter yesterday going straight for he kill! Did'nt know about having to ask for your statements first!! Anyone seen this letter that I sent before ? DATE Dear Sirs Account Number Sort Code Due to recent media coverage on bank and credit card charges I am now aware that you, Capital One, have been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation. I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss. Your charges appear to be nothing more than a profit-making scheme. Therefore I require you to refund all charges representing the total amount which are deemed unlawful during the months applicable. I hereby give you 14 days to refund the charges back to me and close my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs. Yours Sincerely

Arite guys...I sent a standard letter to them yesterday just askin for my charges to be refunded. Did'nt know about all this asking for statements untill i got into this forum tonight!!! Wonder what replay I get!!hmmmm

So how long has it took from start to finish??

may sound like a stupid question cat but what is this Cobetts thing???

Getting ready to send my first letter requesting my bank statements to total up all the money nat west have creamed off me!!! I will let you all know how I get on!!! Nat West......My A*s&!!!

Congratulations...Im just at the beginning of my saga!!!!!! Had the bog standard reply sayin they are fair charges etc and take us to court!!hahaha!!!!

So was this your first reply? Do you need to do anything else?

I sent a first letter to capital one the other day asking my dosh back!!! Do these guys usualy go all the way to court?

Cheers Gizmo! What about capital one?

Hello campers.... Jut joined the forum so Im looking forward to getting some much needed advice!!! Sent a letter to natwest asking for all my charges back etc and got a reply saying the feel the charges are fair and basically if I wish to take them to court, bring it on!!! Is This normal??? I have also recently sent a letter to capital One for my visa charges back so I will let you know how i get on!! Cheers Paul Mc Liverpool:-x