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Charges Claim on 2010 Cap1 Card **WON AFTER LBA**


albob222001
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I complained about the charges on this credit card debt to Capital One, who did not uphold my complaint.

I went through the FOS service and neither the adjudicator nor the ombudsman upheld my complaint so I rejected their findings.

 

 

I emailed a LBA to the Capital One executive office giving them until Friday 20th May to respond.

Today they have agreed to refund all charges plus interest which wipes out all outstanding balance

plus a refund cheque to me for £187.39.

 

I will see over the next month or two what will happen to the default currently being reported by Cabot,

I am not certain if that will be removed or listed as satisfied.

 

 

I did not include it's removal in my settlement as it is due to drop of next year anyway.

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hey great result!!

 

 

on the charges too.

they caved in on a simply LBA?

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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what date was you card opened please

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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Yes, I was really surprised.

 

 

They showed absolutely no sign that their decision would change throughout the complaint process.

I was that sure it would have to go to court

I had already prepared the claim on MCOL up to the point of payment.

Their resolution admitted no liability and was as a goodwill gesture.

 

I took the card out in March 2010, online,

so the credit agreement was perfectly legit as far as I could tell.

 

 

I don't know if they caved because I was so persistent or simply because it was a relatively small amount (to them)

so not worth the hassle of defending.

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no that's great

I've popped these posts to a new thread

as its worthy of publicity

 

 

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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