the best way to get charges back

[whistleblowing fairy]

Hi,

 

As you may have guessed by my name, I work for a bank. Capital One to be exact. I'm in the same position as you, but with other banks. (it's gross misconduct if i got charges on my staff credit card).

 

the best way to get charges back is being nice. If you phone up shouting about the charges, you put the phones assocaites back up. So are far less likely to refund your charges.

 

Also don't say you didn't get your statement. Everyone says that! and after you've heard it for the 10th time, you get cynical and don't believe it.

 

Your best bet is to say 'i'm really sorry the payment was late. It'd really help me if you're able to refund this charge.' You'll then probably get 1/2 offered. Rather than getting irate, simply say 'are you sure you can't refund the full amount? If you can't do you have a manager available for me to speak to about this?'

 

Because of how much it costs us to transfer the call to a 'manager', you'll more than likely get the other half agreed. don't knock the India call centre either, they're 10x more likely to refund no questions asked.

 

if you don't want to speak to the india call centre, don't call before 7.30am and after 8pm. The UK staff are only available during these times (the perks of sending our jobs abroad)

[whistleblowing fairy]

yes well i'll keep u updated on what we are told

 

Capital One have were told to say that we disagree with oft blah blah blah. Also told to remind people that they only disagree with amount charged not our right to charge fees blah blah.

 

We've not yet been told what to say now that the oft deadline of 31 May has passed.

 

with regards to all those that have expressed at the title of my thread - my advice was for those want one maybe two charges back. If you're asking for ££££'s there is only going to be one department in most banks that can make a decision, and that usually isn't someone you're going to be able to speak too.

 

If you want ££££'s refunding then using the letters from this sight would be your best bet. From what I know we do, the first letter gets £40 refund. The second letter gets between 25% - 50% of charges and then the third one usually gets the lot.

 

maybe worth trying to 'blag' that you're going to court and see if you can get away without doing so.

[whistleblowing fairy]

There are no perks in getting your jobs sent abroad. Don't stick up for the Indian call centres. They are taking YOUR jobs. If the company feel that outsourcing offshore is working well, then it's probably only a matter of time before the rest of the call centre operation is off-shored as well.

 

Although customers might not think there isn't perks, there is. 'we' used to be 24/7 365 days a year based in UK including Christmas (people do phone in on Xmas day:o )

 

We use our India call centre to work nights/ bank hols/ Xmas and Easter. So we don't have to fight to get these off anymore.

 

I get your point about it all being shipped off, but i doubt that would happen. the india staff have degree and can only do the most basic work. the work that requires a bit of though is left for those in the UK and some of them have barely learnt to read&write.

[whistleblowing fairy]

good to hear that it helped someone.

[whistleblowing fairy]

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group