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Willow v Capital One


willowthewysp
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Im just about to send off to request my statements for capital one credit card.

I have a question, it may have been asked before, but im a bit rushed to look!

I am quite a bit over my credit limit...this is just due to charges...i was paying cap one £10 a week, which wasn't bringing my balance down due to monthly charges, BUT was keeping cap one off my back!

Should i continue to pay this £10 a week? Or would anyone advise to leave paying anymore for now?

 

Many thanks...

xx

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Guest ian cognito

If they're happy with the payments you are making then leave it as is is, as long as you are making regular agreed payments then you are at least trying to pay off the debt. Once you have your charges refunded, you can pay them off the balance.

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I have been mis-sold ppi on the capital one card.

I am sending out a 'subject access request' letter to capital one today as i am attempting to have my charges on that credit card refunded....do i need to send out a seperate S.A.R for the PPI?And if so, where should i send it too?

Or, as the ppi charges should be on my statements from capital one, will just one S.A.r to capital one do?

I am really sorry if that sounds confusing, but i myself am getting confused!

Many thanks to anyone who may be able to help me!(and understand me!)

xx

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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  • 4 weeks later...

Ok...have received the S.A.R back....time to trawl through the statements...what about yearly charges? can i add that to my request, and i have a plastic upgrade charge...can i claim for that too?

 

Also(!) could anyone advise me as to the best spreadsheet to use?...I wish to claim the contractual interest and i do have my balance detail at present(still receiving monthly statements with charges added each month)

Also, im a bit of a numpty, so an easy spreadsheet is called for!!!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Is there a standard interest % from cap 1?....in the process of spreadsheet....claiming for contractual interest, but not sure how to work it out??!!!...each statement from cap 1 has differant amounts of interest....can anyone through a light this way please?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Sorry I can't help you, but I am at the same stage, received statements today and confused about interest. On my statements I have purchase interest, special rate interest, cash withdrawal interest, balance transfer interest and special monthly interest!!!

 

Curli

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Its not easy is it?!...I havn't got my credit agreement, so not sure if there was a standard interest rate or not....as you have mentioned there are several differant interest charges...was wondering if we add those to the spreadsheet?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Guest ian cognito

PaulMc, you should start your own thread if you haven't already done so as you will get answers and advice that way. If you know what your charges are, I wouldn't worry just follow your letter with the LBA out of the templates library after 14 days.

 

Willow have you checked to see if the interest rate is daily rather then calendar month? if it is based on a daily rate, it will vary depending on the days in the month or just take an average and work on that.

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Willow have you checked to see if the interest rate is daily rather then calendar month? if it is based on a daily rate, it will vary depending on the days in the month or just take an average and work on that.

 

My statements say the interest is based on monthly interest rates, of which i normally have 2 rates...for example, i have just received a statement today and the rates are...cash withdrawal interest>2.074% and purchase interest>1.873% in money value that adds up to £3.13 and £12.07 respectivley!!!

So, should i add those amounts together for each individual month and add to spreadsheet?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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  • 2 weeks later...

No not yet...i havn't sent my pre-lim off yet!!!Have been so busy i just havn't got round to it!Figured i would post it off after xmas now!

What about you?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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No not yet...i havn't sent my pre-lim off yet!!!Have been so busy i just havn't got round to it!Figured i would post it off after xmas now!

What about you?

 

Soz willow:oops: I was looking at your sig...its the payment protection:rolleyes: I am so dumb. Are you going for the contractual interest:idea:

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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  • 1 month later...

Finally got round to sending my pre-lim letter...now waiting for the nice 'no no' letter from Udy!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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  • 2 weeks later...

No response from capital one re prelim!

Ok i have now sent the LBA...

See if i get a responce now!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Have received a letter from Mr Udy....they are looking into my claim, could take up to 4 weeks....I take it this is to be ignored and i should continue as planned?...At the moment, they have until 24th feb, before i start claim with court(LBA sent on 10th feb)...

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Hi

 

This is a standard reply. Stick to your timetable and follow the tried and tested procedures on here, and you will get it all back.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thankyou, I thought that to be the case!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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  • 2 weeks later...

Received a 'goodwill' gesture from cap one of £180.....!

 

...Having looked at the FAQ...it has copies of letters that should be sent if you receive an offer of settlement...does a goodwill gesture stand as a settlement offer?

Or can i go ahead and continue with my claim?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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It's a standard letter. There is a ' rejection of settlement ' letter in the bank letter templates library to adapt to your needs. If you stick to your timetable and the procedures, they will pay up eventually.

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thankyou!:)

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Hi all...I've sent Lloyds TSB a DPA request and I Realise I had a Capital One Cards with a 250 limit. Which went up to 485 over a period when I was ill and could not manage the payments...

Do you guy think I have case in asking for all my charges back?

I paid them back in full about 2 years ago and never kept my account details...DUH!!!

What would the best way to request a DPA and also would it cost £10 or £12?

Any help would be gratefully received...

Ginges

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Have sent capital one a letter, declining their offer of £180(!)

They now have 10 days to respond,inc 2 days for posting...14 march, then!:-x

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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  • 2 weeks later...

Sending off court claim today .......!;)

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Share on other sites

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