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NEW CLAIM: DJ Vs Capital One.


Dh1986
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Well here we go, after recently receiving a default notice on my capital one account i started to seek advice. I found this site and realised its the place to start posting.

The situation is, i have a capital one credit card with £500 agreed limit. They have issued me with numerous late payment charges and interest taking the balance to £700. They have also recently issued me with a default and threatened they would pass my debt to a recovery agency. I would like to sort this before it happens.

Where do i start please !

 

DJ

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

All the best in your claim!! :wink:

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

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

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks for the welcome. I have read the forums as much as i could, but without sounding stupid i could do with some one who has had success to tell me what to do. Reason being im only 20 and im very daunted and to be honest, scared with the issued threats etc.

 

Thanks again.

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Ok the best thing to do is read the Step by Step guide which you'll find a link to in my above post. I've had a couple of successes so can offer help where I can. Your first stage will be to send th S.A.R. letter which you'll find in the templates library.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Ok ill do that today, thanks for this. I just want to get it sorted as the ammount of pressure and hassle they are causing is really stressful and i find it effects every day life including my job and time with my girlfriend.

 

Thanks DJ.

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