Capital bank (Bank of Scotland)

[Stevejr147]

Sent my prelimenary letter to Capital bank regarding the £400 in charges and today got a very serious message on my mobile telling me its VERY urgent I return the call!!!

 

The urgency was they have recieved my letter and it was too tell me i was very silly and the charges were all legal, they wouldnt be getting returned and they would not be contacting me by letter regarding this issue. Then she went on to ask me to explain WHY the charges are illegal. I said its all in the letter............well I dont have it in front of me she said so can U explain. I said well im not a lawyer and I dont have the info in front of me but can u give me a breakdown of how it costs you £30 to send a letter saying a DD was returned??? NO she said I dont have to!!! Then she 'Strongly' advised me to take my T's&C's into a lawyer so he can point out to me what a fool I am and how they are right etc etc

 

That will be that then lol, im guessing this is where I send my Letter before action???

[Tinkerbelle]

The cheek of it!!

 

LBA next then money claim

[Jamboray]

Sounds like they are getting a bit p7ssed off with all the returns they are having to do and seeing their bonuses reducing.....shame really:rolleyes:

[give_me_it_back]

is it 'moneyclaim'...? Is this action in Scotland? I thought we couldn't use moneyclaim..?

 

Thanks:confused:

[wsm36]

Hi m8, is this Capital Bank that do the car finance etc? I finished paying off my car with them in December even though I got hammered with charges over the years. If it is the same could you post their address please 'cause I don't have any of the paperwork anymore, binned it all.

 

As for the Moneyclaim thing if you live in Scotland you more or less have to go through the Scottish system, the sherrif court, I'm afraid.

[give_me_it_back]

I don't think so... this is Capital One... Sorry

[give_me_it_back]

sorry! Thought you were asking me! Wait for an answer from OP. Might be. Yes - I thought you couldn't use moneyclaim in Scotland.

[Ewan]

You're right, you cant. Check the sticky at the top of the scotland forum for the relevant paperwork.

[Stevejr147]

Hi WSM36

 

Yup Its Capital bank car finance, Ive been having a nightmare with my claims I had to move house and my Ex Cleared the house out with all my bank charges info laptop with all my details etc so im having to start from scratch again.......here is the address I was dealing with.

 

Capital Bank accounts dept

City house

City Road

Chester

CH88 3AN

 

0845 60000655 is a phone number I have, not sure which dept tho.

 

Cheers

[Stevejr147]

Oops

 

0845 6000655

 

One to many 0's above

[wsm36]

Thanks Steve that's the very one I want, you're a star. I knew I should have kept those letters.

[buzby]

Can I stoke this thread alive again....

I sent Capital Bank an RD letter in July to the address above, giving them the 40 days notice to respond with the relevant information of the charges applied to the account over the years. The letter was signed for the next day, but there was no formal reply on any kind - they may have tried to phone but I block anonymous calls.

 

I now discover they've moved to a new address in Chester (not City Road) so I'm wanting to reactive the original demand, or even get them as a default response - as HBOS still operate from that address (the letter was sent to the Chief Executive).

 

Any good ideas on what I should do next to keep them on thier toes?

[Cazziebo]

Anyone ever won against them?

[Cazziebo]

PS = you can use moneyclaim in Scotland - you only need an address for mail in England,but you can be resident in Scotland

[buzby]

MCOL is not recommended, if the action is defended you can lose big time if they use the system to delay and rechedule. Taking action in the correct jurisdiction saves problem later, as it's one less thing to worry about.

 

As to has anyone 'won' I've now received my SAR (and for free) so an action will be prepared once the numbers are crunched!

[martymk6]

Capital Bank Group - Car Finance

 

Collections and Recoveries Dept

Tel: 0800 015 3618

Fax: 01224 872 309

Email: [email protected]

 

Just some more details. Hope they are of some use to someone.

 

marty

[martymk6]

Capital Bank Plc new address:

 

Charterhall House,

Charterhall Drive,

Chester

CH88 3AN.

 

MP

[vincebio]

hi all, new member today, just sent my 1st letter off to them. A certain (most likely) made up Mr G. Stanfield.

 

Also a copy to the banking ombudsman...

 

great site!!

used Govan Law Centre last year for a successful claim of £700 at first attempt, although im hearing Capital are much harder to win with.....we shall see....

 

 

 

that Charterhall address is the new one 100%, so defo correct.

 

Who is Capital Bank Chief Exec?, anyone know??

 

 

My story is a cracker... :

 

They sent 5 letters demanding over 100pounds in letter sending charges after i missed a DD on xmas eve......TO THE WRONG ADDRESS!!!

 

My old neighbor delivered them to me and even though they then sent a 6th letter to my correct address, they kept on the charges knowing they had sent to the wrong address.....

 

keeping aside the whole issue of unfair charging, this is total scumism.

 

may actually just throw my car keys in an envelope and tell them to ram it, as im 50% thru my payments anyway...

[buzby]

No CEO to my knowledge. All back office work at Capital Bank is now proivded by Halifax, and all SARs go to them. My last SAR was incomplete and I'm not happy with ther responses.... welcome to the club!

[vincebio]

thanks!

 

i must admit i am tempered a little...heres why

 

on my previous repsonse from BOS, they said they will review all my current banking situations with them in light of any further claims..., and close down all my accounts.

 

i have a 1500 pounds overdraught, so dont want to risk having to pay that all back at once..

 

is this threat legal, and do you think this new Capital letter will be enough for them to go ahead with the threats?

 

thanks again

[buzby]

Sure they can, it IS unfair, but that's a bully for you! Try and open a 'parachute account' with another institution and be prepared to walk away from them. Don;t be shy about explaining that you'll expose their bullying tactics if they try to get heavy.

[peigibeag]

No CEO to my knowledge. All back office work at Capital Bank is now proivded by Halifax, and all SARs go to them. My last S.A.R - (Subject Access Request) was incomplete and I'm not happy with ther responses.... welcome to the club!

 

 

Tony Baker, director of operations, Capital Bank Motor Finance

[jjandbump]

I have fallen behind with some payments with capital bank PLC. We are in a position to clear them off now but are still only 23rd's through the agreement can they take the car back. If it went to court and we said we had cleared the arrears off and would keep up to date what would happen.

 

Also can they close the account if i claim the charges back, as i have had over £150 added in 3 months. I am happy to deduct the amount from the balance of the agreement.

[IIIUMINATI]

Make Sure That Capitol Bank Have Not Included Ppi Without Your Knowledge

[natheyabdn]

unsure if you guys know, but Capital Bank falls under BoS Corporate therefore your big buddy would be Peter Cummings CEO of Corporate..Dont have an email address but send to [email protected] and ask him to forward to Peter...I did and got a personal response from Peter Cummings!

 

The joys of bein an ex employee...Nice insider info lol