Capital One Credit Card Charges.

[scouse12345]

Exscuse the ignorance, i've read through numerous posts and threads, Re: Debts, Bank Charges etc, Credit Agreements etc etc...

 

Fortunately, i'm clear of all that headache and stress and would like too congratulate and thank posters and helpers too numerous too mention, for the advice and support offered too people in vulnerable positions etc... could have done with finding this site a few years back, but that's a story put too bed a while back..

 

Anyhows... for 6 yrs Cap1 credit card have slapped charges, late payments, interest etc all over the place on my account.(never defaulted, just paid bill etc..)

 

I now wish too start the ball rolling and claim these back (have read the waivers etc... fully committed too court if needs be).

 

Pointers on where too start and what letter too send initially etc would be appreciated, as i can only seem too gleam info on "Bank" charges.. (I'll get round too them next)

 

Apologies if in wrong thread etc..

 

Cheers.

Steve.

[skintboy69]

Yo scouse.

 

Do you have all your statements for the last 6 years??

 

If not, send cap 1 the Subject Access Request letter. You'll find it in the template library. You will have to send them a fee of £10.00 and they have 40 working days to respond.

 

When you have all the statements you can work out how much to claim back.

 

Cap 1 are easy. You will probably have to isue a claim against them in the County Court but they always pay up before the hearing.

 

You'll find plenty of help here. Just shout.

 

Keep the faith.

 

T.

[scouse12345]

Cheers for the almost instant reply skint.... shall get onto that and once statements recieved shall try do the math.... (lookin 4wd too that as much as Man U winning the title again next year)

[skintboy69]

No probs Scouse and don't worry about the maths. There are spreadsheets available that will work it out for you. You just put in the dates, amounts and rate of interest and, voila, there it is.

 

Cheers, T.