Capital One Closed Acc - Help Needed

[smbird090177]

Hi There.

 

I had a capital one account about 2 years ago before it was closed by them for constant late or unpaid payments/minimum payments. I got in a right mess with it and the monthly minimum payments were not paid and i just buried my head in the sand.

 

The phone calls kept coming and i stupidly ignored them until finally the debt was passed on to a debt collection agency. I owed about 500ish after borrowing only 250 originally andi paid the debt collection agency in full. I had this account for about 3 years and im now looking to claim charges back.

 

I have a number of questions to ask people on here though.

 

1) How can i find my acc number, i dont wish to phone them and my acc was at a diferent address.

 

2) With me not paying back months of minimum payments of interest which included late payment fines will they still look to collect the outstanding ones once i have contacted them to try and reclaim my charges/fines.

 

Please help

 

Thanks

[dx100uk]

you say you paid the a/c in full to the DCA.

so this should have ended the debt? why do you now think they can get back outstanding ones? surely the A/c was cleared?

 

anyhow

there is nothing to stop you claiming back the fees, an SAR to cap1 giving as much info as possible should reveal the A/C number your require & provide all the statements from it.

 

dx

[smbird090177]

I am sure of it because i got a letter from Capone that they had passed on my debt to debt collection agency.

 

I meant regarding them coming after me was because i had a limit at one point of 200 and did not pay a couple of minimum payment letters and the amount oweing on the accounts didnt seem to go up a great deal. I had one letter after a number of missed payments asking for about 280 quid for the month which i think was beause id been over my limit of 200 for about 2 months and not paid the last 2 months either. Would they come for that because that is something i never paid and i know it wasn't added onto the account total.

 

Im not too up on credit cards and made a right mess of it

[havinastella]

send this letter

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-.html

 

Where it says Account number, change it to DOB and previous address.

 

You will have to issue Court papers against CapOne, but they always pay up.

 

Have a search of some of the won threads in the CapOne section.

 

Jogs

[smbird090177]

Thanks for your help

[havinastella]

You may have to also send that letter the the DCA, as it seems you have no idea, what or who you paid.

 

Jogs