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Chica v's Capital One


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Finally recieved my info after having to wait the full 40 days!!!

They owe me £478 and I owe them £463.98. I'll have my card cleared and my £14.02 back aswell please!!!

Request for repayment letter sent 120806.

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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  • 2 weeks later...

Letter recieved today from Eqidebt on behalf of Capital One:

With reference to your recent correspondence your comments which have been duly noted (doesn't make sense I know, but I'm just noting down what they have written to me).

Capital One has confirmed the correct balance outstanding on your account is £463.98 and you are liable for this amount. Interest charges have been added to your account as per the Terms and Conditions which you agreed to when you signed your application form.(I'm not disputing the interest....I want unfair charges back!!)

Capital One requires all information regarding your dispute in writing to : Executive Office, ERC Dept, Capital One Bank(Europe)plc etc etc etc.

Please note without your firm realistic proposals on the full balance outstanding, we are under our client's instrustions to continue action on this account.

Yours sincerly,

Equidebt.

 

 

Do I just send my LBA to equidebt now or to both or not send at all?

Chica

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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  • 3 weeks later...

Hiya Update:

Letter recieved today from Capital One dated 29 August 2006.

Basically saying that they are reducing their fees to £12 in view of the recent OFT report. They have therefore offered me £190 back which is the difference between their fees and the new £12 fees. My claim is for £489 so I will accept as part payment and continue for the extra.

Will keep you updated!!

Chica

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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  • 4 months later...

I had to leave off my claim due to getting to confused with lots of claims running at the same time. Now I know what I'm doing after beating the Abbey, can I continue where I left off or do I have to start at the prelim letter again?

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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  • 1 month later...

Am now more confident in what I'm doing even so far as helping friends and family do their claims, so I'm submitting court claim on Monday...or do you think I need to send LBA again?

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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Am now more confident in what I'm doing even so far as helping friends and family do their claims, so I'm submitting court claim on Monday...or do you think I need to send LBA again?

 

Why? They've had enough warning already.. Go for their throats now

Just hate every DCA out there

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Why? They've had enough warning already.. Go for their throats now

 

 

Even though I should have originally filed the court claim in September??

Bank charges: Abbey won in 2006, Halifax won in 2006, Capital One won in 2006.

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