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kaio82kaio

Cap 1 how to reclaim charges??

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Hello peeps, just needing a little help as im so confused :confused:

I have 2 Cap1 cards both now over the limit and I am constantly being harassed by phone calls. I have done the usual and sent off the first letters reguarding signed aggrement etc and got the usual rubbish back, have sent a harrasment letter but all they said was that it was acceptable for them to keep phoning as both accounts are over limit (5 times a day is not what I call acceptable!!) have also sent a sar letter and received all details back but I just dont know what to do from now?? I have also just filled out a form for reduced payments and interest/charges stopped, will post that tomorrow.

I just have no idea about what form I need to fill out to start the ball rolling reguarding claiming charges, I know you can reclaim overlimit and late payment charges but what do I do about interest?? any help please :-)

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Hello and Welcome,

 

You should first send a Prelim letter with a schedule of charges, asking for your charges back.......

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/111--letter-preliminary-approach-for-repayment

 

If after 14 days they do not comply, send a Letter Before Action......

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

After another 14 days with no joy, you should file N1 at your local county court..............

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/120-zootscoot

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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thats great, what do I need to do for the scedule of charges which you include with the letter? and I know its overlimit charges and late payment charges which you claim for but what interest do you add to that? thanks again maroondevo52. :)

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Hi,

 

Leave the Interest until you file at court.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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ok, so for the scedule of charges do I just put the date and what I was charged? sorry to be a pain but I wanna get it right. :)

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Yes.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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thanks Scott, your a real help :)

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I try ;) One of the other Mods has a table you could look at, I just can't find it at the moment, I'll post it up when I do.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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