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bigjohnk

Cap 1 hassles

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Ok here's the situation, about 2 months ago I finally paid the balance off on my Cap 1 card (sent a cheque 10 days before the due date to the value of the balance of that months statement)

 

I didn't hear anything for 2 months when I received a statement claiming I still own money on the account. I replied explaining the situation & that as far as I am concerned the account is paid off & I want the account closing.

 

I've now had another letter saying they can't close the account as there is still an outstanding balance & it has to be paid by the 30th of November.

 

What do I do?

 

Pay up & forget about it, ignore them & run the risk of them sticking a load of charges on the account or send the letter I have just drafted which reiterates the contents of my original letter & advises them that any further demands for money will be considered harassment & treated as such.


RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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what does your online statement say?

 

what does the cra file say?

 

dx


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Never accessed it online as you have to give phone contact & I got sick of them phoning at all times of the day & night so I changed my number & refuse to let them have it.

 

How do I access CRA file?


RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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in my sig

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks, just signed up, waiting for pin code!


RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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I've now had a look at my CRA file the statement balance for Sept is correct & is the balance I paid off, the balance for October shows as being the original plus interest & I'm assuming a late payment fee even though the cheque was sent well before the due date.

 

The puzzling thing is the status history for September & October are shown as being OK, so if I missed or had a late payment surely it would be shown as being in arrears?


RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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might not been updated yet?

 

somethings amiss for sure

 

if its a PENALTY fee

 

as with everyone of those

 

get reclaiming !!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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