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sam78 V Capital One


sam78
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I've been working to reclaim my bank charges from the abbey and decided that it may be worth getting my statements from capital one so I can calculate my charges.

 

I was charged £12 by them this month as I had gone over my credit limit by pennies and for 1 day!

 

I'm sure this claim won't be very big, but as tesco say 'every little helps'.

 

I've sent the DPA letter and a postal order by recorded delivery today so I'll just sit back and wait their reply.

 

Do I use the bank charges letters or is there separate ones for credit card companies?

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  • 2 weeks later...

We got our statements and response on the 37th day.

Capital One seem extremely busy at the minute!

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

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Thanks.

 

Not had any response from cap one as yet and S.A.R. was sent 20 days ago. I wondered what the best phone number is to see how they are progressing with my request. Can anyone help?

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Both my Mrs and I received ours Royal Mail Special Delivery and had to sign for them.

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

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Double checked the statements and have found that I am missing 3 months. Should I send my prelim letter with the total so far or should I wait until i get the others?

 

Also, is there a standard letter I can use to request the missing statements?

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My statements were sent special delivery too -- very impressive (and expensive!!)

 

I've just done my prelim for £460 - but have missed today's post now so will get it posted tomorrow.

 

Best wishes jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 2 weeks later...

40 days are up tomorrow and I haven't received the missing statements. What the best thing to do, follow up my prelim letter with the LBa (due Thursday this week) and then amend the amount of my claim at the court stage if necessay? or do I need to do something else about the missing statements?

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  • 2 weeks later...

I've received a payment to my credit card today for £56 for return of late payment fees. I'll call this a win. I'm happy with this amount and for very little hassle. I can concentrate on my abbey claim now.

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