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Capital One -Charges/Harrassment/CCA Help Please


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Hi All


First of all many thanks for a great forum.


I need some specific help re my Capital One Fiasco.To save a very long and drawn out message i've added an attachment (pdf) with all correnspondence to and from Capital One.


what i would like to know is:



  • Is the CCA enforcable ? i did not sign it and what they sent had my name TYPED where the signature should be.
  • Will anything actually be done re the telephone harrassment ? they called 200+ times over £12 (which i cannot prove), and a further 135 times (which i can prove as i took dates and times) between 3rd September and 20th October. - sometimes as late as 8.50pm..The 135 times were AFTER i had requested them to remove m telephone details by recorded letter. Their reply (as you will see from the attachment) was tough there is nothing you can do.
  • Will the ICO actually do anything ? it's been over a month since i filed the complaint and have heard nothing back yet.
  • I have a approx £135 in over limit charges - what is the best way of getting these back ?
  • Is there any other advice you guys can give me as a way forward with them, they have now issued a default notice (enclosed in pdf)

One thing i do know is there is no way i'm going to give in to them. I understand i owe them £300, BUT they can't get away with the extortionate charges and Constant Harrassment.


Many thanks in advance and all advice is very much appreciated


Posted to website.pdf

Edited by farfegnugen
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