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Capital One - Charges/Overlimit fees


Megan99
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Hi

 

I have printed off statements for my Capital One Account, which only has a credit limit of £200 on it.

 

Looking at charges since April this year alone, I have paid £48.00 in Late/Failure to Pay Default charges and £36.00 in Overlimit fees (let alone app £20 in interest which I can live with). So my balance now stands at £289.47.

 

I have recently negotiated a repayment plan of £10 for the next 6 months which is affordable; however is it worth persuing them for a refund in the charges as, it would, obviously contribute to a reduction in balance meaning the account would be settled quicker? If so how do I go about this?

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late payment charges are penalty fees and can be reclaimed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have also just found an annual statement for my Granite (Vanquis) Account.

£96 late payment charges and £108 Overlimit charges have been added so my limit is £250 but my balance is £427. :-o

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you need to fill in the CISHEET from here:

 

put their int rate in cell d15

 

theres a Credit card charges letter in the library

or just find it in most charges threads like shelleys.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Amy - that is good news!

 

I have all my Cap One statement for the last year and have calculated the charges

(which have only really appeared since April).

 

Im really concerned with these Vanquis ones though so thats my next mission.

 

I think I will have to send SAR to Aqua though as I cant find hardly anything for them

and they are charging £12 x3 each month alone, let alone interest!!!

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:frusty::frusty::frusty::frusty::frusty::frusty::frusty:doh! don't forget the link dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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