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A question about capital one cards


Cheakychops
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Dont know if you can claim with this but my sister in law has or had a card with capital one limit was £200 so not alot thing is she late payed and then couldnt afford it cause of the charges they slapped on it she said take me to court blah blah and they have now sent it to some company called Cap quest which are part of capital 1 and they now want £800 or they will settle for a full settlement in 1 got for £460...i mean the limit was £200 so is there anything she can do anyone help me?

:mad: :mad: :mad: :mad: :mad:

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Get her to send SAR (Subject Access Request)

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

 

She can claim all the charges back with interest and may find that they owe her and not her owe 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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Get her to send SAR (Subject Access Request)

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

 

She can claim all the charges back with interest and may find that they owe her and not her owe them.

 

 

Sorry which do i click on after the link then i can send it straight to her?

:mad: :mad: :mad: :mad: :mad:

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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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No Problem and wish her luck for all of us :)

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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Good idea. Make sure to tell her to read all the links I gave you earlier as it will make the battle alot easier. She will definitely get all the support and advice she needs.

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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Good idea. Make sure to tell her to read all the links I gave you earlier as it will make the battle alot easier. She will definitely get all the support and advice she needs.

 

 

Ok then.Can you by any chance help me with my post in bank of scotland?

:mad: :mad: :mad: :mad: :mad:

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  • 1 month later...

Another need of help please

a letter came today to her stating they are very sorry...blah blah blah...

and as a good will they will reduce the bill by £120 as a good will gesture... the credit limit was £200 they are asking for over £400 with charges would you accept the £120 or how do i refuse she has 4wks to respond they have said or they will close this matter what happens where does she start? cheers

:mad: :mad: :mad: :mad: :mad:

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