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Found 10 results

  1. Hi I made a claim against Capital one about the charges in 2014 by sending the first letter then followed by LBA. On 14th April 2014, I received a letter from Capital one refused to refund the charges and they stated in their letter “Financial regulations require me to advise you that this is my final response in relation to this matter. If you fell I have not resolved your complaint to your complete satisfaction, you now have the option to contact the Financial Ombudsman Service with six months from the date of this letter.” I know I should have taken the case to
  2. Hi I hope you are all doing well Can someone please assist me in ensuring I am proceeding correctly to defend the below Claim from Lowell Solicitors. The claim is probably about 10 years old.. possibly more. Its that old that I dont remember when it was taken out so I thought that would mean it was statute barred but I guess not judging by this.. I have logged onto MCOL and ack that I will defend in full. I will also send a 31:14 to lowell to Lowell Solicitors in the next few days. Lowell Portfolio LTD are listed as claimant though so would I also send them a CCA request?
  3. Hello All, I need some advice on how to proceed. I will seek to outline as much as I can below In July 2008 I fell into financial difficulty when I lost an IT contract and struggled to pay all my bills including my credit card bill with Capital One. I thought no big problem here, I have PPI and will claim... Big Mistake. They didn't pay out as PPI wasn't for people in my situation i.e Self-employed. Suffice to say the account went into default in Nov 2008 for £680. I commenced my pursuit to get i.)the default removed ii.) PPI repaid
  4. I have relocated (settled down) to other country and missed to close by CapitalOne 360 Acct. Can anybody help me on How to close the account? Will it possible to transfer the money to my friends account in US? Eager to hear from experience people. Thanks
  5. I received an offer from CapitalOne for £6185 This was made up from £3050 in premiums, £2370 in interest and £958 in further 8% interest. Putting all the premiums into a compound interest calculator resulted in compound interest of £13,000 Am I correct to use compound interest in my calculations? The £958 in 8% interest .. where does that come from? What is it 8% of? I was told on the phone that it is 8% of the amount I would have saved if I had not had the PPI. Should I not also be receiving that amount I would have saved (which comes to the amount of compound interest).
  6. Hi I received a claim form from BW legal on the 13.2.14 who where assigned the debt from capital on the 1.10.2009. i filed a defence stating that i disputed this matter and believed that the matter was statue barred when they issued it. The default from capital one came off my cra in january 2013, but i know that i had was in a payment plan with capital one for some months but cannot remember when my last payment to them was. I have not kept old old bank statements or letters in relation to this. BW have now stated that unless they hear from me with an offer to settle the c
  7. Hi everyone, I bought an item from a Play.com seller (Playtrade) around mid-February for about £30 (an office machine). The Playtrade seller said he despatched the item the same day I ordered it but it turned out to be false. I contacted the seller several times by email and no reply. I filed a Missing Item Claim and a Fairplay Guarantee Claim but Play.com didn't reply to the latter. So I filed a chargeback with my credit card company (Capital One) and they refunded me the money. Today I received a letter from Capital One saying that they will give the seller 45 days to resol
  8. This was my Mums Capital One Visa card debt - a/c opened in Oct 2003, credit limit £1,100 - I have only just found a statement dated 27/07/2006 showing £10.11 charged monthly for Payment Protection Insurance, also on the statement are charges listed and paid per item of £20.00 for Late Payment Fee and for Overlimit Fee (on this statement the overlimit amount was £189.58). I don't know what date the account was either passed to or sold to Robinson Way Ltd (ex Capital One) as the first letter I've found from them is dated June 2007 and the last letter from them is dated 26th June 2008
  9. Hiya, I thought Id already posted this but cant find it???. ..maybe I didnt post correctly.. Hubby has a debt with Cap1 and they have now defaulted it. We have recently moved house and havnt updated our records yet but yesterday we sent off an SAR request with a change of address inside along with a photocopy of his passport- hope thats sufficient. Today we get a phoneall off the mother in law saying theres a letter at hers for him. She hasnt opened it but as you can imagine we were shocked when he opened it and it was a debt letter from Cougar about said
  10. Hi guys can someone please help me with this..... Just so you know I try to post each of my queries on different debts seperately to avoid confusion. I have an outstanding debt with Capitalone which they have now defaulted. This has been passed to Cougar financial and I have recieved a letter from Power2Contact today on behalf of Capital one telling me if I do not contact them within 72 hours they will contact me at my property. Luckily for the moment they dont know my new address as I have just moved 3 weeks ago but I will be informing Capitalone when I know where I s
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