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Spikey v Capital One


spikeyboy
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Data Protection Act Request letter sent 31st may 2006, acknowledgment recieved 9th May 2006.

 

Still waiting for the data - just rang them - appararently they have a bit of a back log but are sorting it out now, told them they only have 11 days left to comply.

 

 

Seems they are rather busy at present :)

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I thought it was just bank accounts you could claim money back on.....i had a capital one card, its been paid now but i only owed 200.00 on it, but ended up paying just over 500.00 from charges, are we able to claim it back even although the card has been paid????

 

:???: :???: :???:

 

Kats

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Good good!

 

Capital One tend to send you EVERYTHING!! that they've got on file, (like a copy of your contract/application form, Customer Notes etc - the lot) which could explain why they take so long in providing it.

 

Good luck fella, there's already been plenty of success against Capital One so far in the forums, lets hope we can stick your name on that list soon!

 

Welcome aboard mate, keep us posted

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Yes you can claim back credit card charges.

 

my card is fully paid up and i never defaulted, just really bad at remebering to pay on time, everything else except CC's is on direct debit.

 

last time they rang the guy said i had late paid 48 times !!!!!

 

will keep you posted.

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Well true to their word the information turned up this morning - special delivery.

 

Just been through and worked out late fees = £896

 

Plus the interest on Penalties of £450.23

 

I am correct in saying that i add the interest on panalties to my claim (this is not the 8% interest, but the interest i wouldnt have paid if i hadnt been charged the fees - as per Vamps spreadsheet).

 

Damn the charges soon mount up on credit cards.

 

Kind of hoping i get to the money claim stage then i can add on £323 for the 8% interest :)

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  • 3 weeks later...

Quick question - its now just 7 days till the LBA deadline and i file in Small claims court - problem is i go on hols soon and, should i wait util i get back to file the small claims court or file before i go away - if i file before i go away can i just wait until i get back to see the outcome ? or should i be in a position to know how my claim is going ?

 

This is of course presuming that they dont decide to settle up in the next 7 days

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Help please - its getting close to my 14 day dealine on the LBA - plan to start money claim soon but need to know if i should do it before i go on hols or after i get back - basically i go on hols 6 days after the 14 days on the LBA is up.

 

 

Thanks

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  • 4 weeks later...
  • 3 weeks later...

After first recieving a further offer of £1,300 which i rejected (they had deducted £450 odd pounds of the interest incured on the fees), time ran out for Cap One on 6th September 2006 (at 00:01 AM :) ) and i filed for judgement by default.

 

Judgment issued 6th September for settlement of £1,799

 

Today recieved a letter from Cap One dated 5th September (1 day before time ran out) stating they agreed to settle in full.

 

So either way i have won havent i ? as i went for judgement by default do i need to inform the courts once my check arrives ? or do i need to do anything else except wait for the check ?

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After first recieving a further offer of £1,300 which i rejected (they had deducted £450 odd pounds of the interest incured on the fees), time ran out for Cap One on 6th September 2006 (at 00:01 AM :) ) and i filed for judgement by default.

 

Judgment issued 6th September for settlement of £1,799

 

Today recieved a letter from Cap One dated 5th September (1 day before time ran out) stating they agreed to settle in full.

 

So either way i have won havent i ? as i went for judgement by default do i need to inform the courts once my check arrives ? or do i need to do anything else except wait for the check ?

 

Well do mate

 

Once you recive the cheque and the monies have cleared you then need to inform the court that it is settles in full

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