Capital one - Incorrect data / over charged interest / Default amount incorrect

[BRIGADIER2JCS]

Do as suggested + a complaint with all the details to the ICO and may I suggest reporting this to the FCA this is after all

a finance provider making a serious error.

[RossW]

I will get that issue sorted sorry for thr continue questions, but can I confirm that a default amount registered on the Cra should equal the one on the letter ? Not the total balance of the card ?

[BRIGADIER2JCS]

The CRA entries should to be accurate show:

 

 

The Default sum: = The amount that was required to return the account to its proper status:

The Outstanding Balance: = All monies demanded and payable:

The Default Date:

 

 

The format will vary between the CRAs.

[RossW]

BRIGADIER2JCS

 

Thanks for your response, to avoid doubt can i just confirm that the default balance on the CRA should equal the default letter amount,

(CRA states £314, Letter states £84.63)

 

Thanks, I will post up my letter later once its finished

[BRIGADIER2JCS]

The default notice must shoe the sum required to remedy the default i.e. the default sum £84.63, if the CRA you are using has no "default sum" entry the it will show the "balance due" at the time of the default i.e. £314.00.

They are two separate amounts.

[RossW]

I would urdge anybody who has ever had a dealing with this company to request a SAR

 

Dated 12/08/2011 Notices of Arrears amount £84.63

Dated: 14/09/2011 Notice of Default amount £69.99

 

Yet, No payment were made between those dates . Can anybody guess why this might be? or have an insight in to it?

 

Cheers