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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