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My Sis vs Capital One


ozzywizard
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Ok posting this on behalf of my sister.

 

About 2 years ago my sister had cap one card, she used her 200 pound credit and missed a few payments which lead to charges .

She paid aprox 900 pound back so estimate 700 in charges.

As expected she wishes to claim these back, I know about sending the SAR.

 

Here is the problem,

 

She paid cap one by DD at rate of 50 a month and is all paid now.

Now she has no letters or account numbers etc so not a clue were to send SAR.

If any one can help it would be appreciated.

I will help her as much as I can but we do need adresses and help plz.

 

 

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Ok posting this on behalf of my sister.

 

About 2 years ago my sister had cap one card, she used her 200 pound credit and missed a few payments which lead to charges .

She paid aprox 900 pound back so estimate 700 in charges.

As expected she wishes to claim these back, I know about sending the S.A.R - (Subject Access Request).

 

Here is the problem,

 

She paid cap one by DD at rate of 50 a month and is all paid now.

Now she has no letters or account numbers etc so not a clue were to send SAR.

If any one can help it would be appreciated.

I will help her as much as I can but we do need adresses and help plz.

 

hi if she phones customer services with her password and dob etc they should be able to help. 08009525150:D

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Thanks for your answer, however she does not know her password, she has no information on her account. Might be just best if somone can give address to post S.A.R - (Subject Access Request) and then they have to give the information based on name and address.

 

they may come back and ask for an account number, if she can provide the date she had the card from/to and also personal info DOB address etc they should provide her with the account number.:D

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  • 3 weeks later...
  • 3 weeks later...

Well my Sis just sent me an e-mail at work to tell me all her statements etc have arrived. She said about 1000 pages, lol im sure this is a slight exaggeration.

Anyway when I get home tonight I will have a look through them and tomorrow start on the schedule of charges with an aim to doing the prelim on Monday.

Any tips on their statements ? as ive not seen them yet I should imagine they are pretty standard.

 

 

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Okies at work for 8 hours so gonna get prelim and schedule of charges done.

Can somone please confirm 2 things for me.

 

Do we claim for interest purchase charges. Also correct address for prelim.

 

thankyou.

 

 

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  • 2 weeks later...

hi am at this stage with Cpa1 at the mo offerd about a 3rd of the charges back. Havent managed to find anyone that has got more out of them as yet. is it worth chasing them for more or do I loose the lot. b4 i send my letter off i need roughthly the same help as u

 

ky

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Check out jackson vs capone in one of the other threads, he has just been settled in full!! So there is great hope for us all. Stand your ground and don't back down.

NatWest

S.A.R - (Subject Access Request) sent 3-11-06

statements recieved (few missing) 17-11-06

 

prelim letter sent 23-11-06

WON £249.00 refunded in FULL after 1st letter:grin:

 

Cap one

S.A.R sent 9-11-06

 

 

Welcome finance (mis-sold PPI, extortionate APR, excessive charges)

S.A.R sent 17-11-06

'stop harrasing via telephone' letter sent 23-11-06

Request copies of original credit agreements letter sent 23-11-06

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Check out jackson vs capone in one of the other threads, he has just been settled in full!! So there is great hope for us all. Stand your ground and don't back down.

 

Yeah check me out !:) Stand your ground you (or your sis) has also paid lots of interest charged for those charges - make sure you get it all back. Crap 1 certainly keeping you hanging on to the edge of your seat but they will cave in in the end :lol:

 

Please remember to donate when you get your money back, we need to keep this great site going.

 

Regards, Joan.

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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  • 2 weeks later...
  • 4 months later...

Settled in full.

 

Just an update N1 was entered and capital one sent my sister a letter offering her 835 full settlement.

This is made up of 620 charges and 214 interest. They say the cheque will arrive in 14 days so once arrived will cancel all action with the court.

 

 

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congratulations hun

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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