Capital One - long standing debt

[TickledPink]

A few years ago we got into some debt ptoblems - and yes, I blame the wife.

 

Things have improved since then, and thanks to this site managed to get a £2,500 Littlewoods debt wiped out some time ago.

 

There are still a few credit card debts following us around.

 

At the moment we have two from Capital One.

One is my wife's old card and the other is mine.

 

The reason we got into problems was because of the charges they were levying at the time.

If you were just a day late, they'd charge £20 late payment fee and if that pushed you over the limit, they'd add another £20 on top of that!

So it got to the point where we couldn't get the balance below the limit, so the charges kept mounting up. It was a little like being in the grip of a loan shark.

 

We had similar issues with Barclaycard but that's a matter for another thread.

 

I was wondering if there was anything I could do about these two Capital One debts.

They total just a smidge over £1000.

They are years old.

My guess would be about 6-7.

[renegadeimp]

Sar them. All those charges are penalty fees and can be reclaimed at THEIR interest rate

[dx100uk]

are these on you respective cra files?

 

dx

[TickledPink]

Thanks for the quick response. I can't remember if they did remove the charges some time later (I know Barclaycard did - again, this site). I remember getting all my statements from them.

 

As the debt has been passed on to Robinson Way and Buchanan Clark & Wells, would Capital One still have all the records of our accounts with them? Who would I send the SAR to?

 

@dx10uk - Um ... what's a CRA?

[dx100uk]

cra see below

 

have you not indicated that this is statute barred in a past thread

 

dx

[TickledPink]

cra see below

 

have you not indicated that this is statute barred in a past thread

 

dx

 

Don't think so. Been a few years since I've been on here, I think. I wasn't sure if it was statute barred or not so thanks for clearing that up.

[dx100uk]

when was YOUR last financial transaction

[TickledPink]

when was YOUR last financial transaction

 

I don't have a mortgage. I don't have any credit cards. Hell, I don't even have a personal bank account these days. ;-)

[renegadeimp]

He means towards the debt in question

[BRIGADIER2JCS]

Please take note of dx100s advice, check credit files asap.

When was the last payment made on these accounts, has there been any written acknowledgment of the debts in 6 clear years?