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Cap One CC Over Limit Charges - Any Advice Please


Trojan1401
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Hi there,

 

I sent the LBA on 4th Feb and received the usual put off reply saying it would take a while to respond.

 

Since receiving that they've applied another charge of £12 when I was literally only £7.36 over limit. I pay monthly bill by DD & next one due 28/2 which will take under limit anyway. :evil:

 

Basically, what would anyone suggest the best response to their reply - obviously I will include this additional charge.

 

Many thanks in anticipation.

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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  • 2 weeks later...

I've now had a reply from Capital One giving the usual blurb about how they consider their charges fair. As a "gesture of goodwill" they have refunded £36 to my account.

 

I intend to reply to this requesting the full amount before persuing via courts. Could someone suggest how I should phrase the reply please.

 

many thanks

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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I've now had a reply from Capital One giving the usual blurb about how they consider their charges fair. As a "gesture of goodwill" they have refunded £36 to my account.

 

I intend to reply to this requesting the full amount before persuing via courts. Could someone suggest how I should phrase the reply please.

 

many thanks

 

See here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

HTH

 

Tanz

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Hi there,

 

I sent the LBA on 4th Feb and received the usual put off reply saying it would take a while to respond.

 

Since receiving that they've applied another charge of £12 when I was literally only £7.36 over limit. I pay monthly bill by DD & next one due 28/2 which will take under limit anyway. :evil:

 

Basically, what would anyone suggest the best response to their reply - obviously I will include this additional charge.

 

Many thanks in anticipation.

Barclaycard have just charged my £12 for being 83p overlimit last month now pushing me overlimit again the shower of b~~~~~~s so will add this to my already tidy sum to get back

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What has happened to common sense ? Obviously computer generated otherwise someone with an ounce of common sense would not make the charge. And it costs £12 to do that

 

Words fail me................................

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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