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Long gap between 2nd request and MCOL ??


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A quick question if I may chaps,


Last novemeber I started claiming against capital1, I send a SAR, PReliminary request and LBA, at which point I was given a partial refund by cap 1. (the usual reduction of each charge to £12).

I replied to that with a rejection letter. but never followed up with a Small claims court claim as I had a large (genuine, not charges) balance on the card at the time, that I couldn't repay had they closed the account in retaliation, which they had done to a few people at the time.


Now, 5 months later, and thanks to successes with other banks I've now cleared that balance, is it too late to claim the rest of my Cap1 charges?


Can I wade straight in with a claim as I have done the the SAR, Prelim, LBA stages already?



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I would suggest that you issue a second LBA stating that you are continuing with your claim against them, offer them 7 days to respond and make them aware that court proceedings will comence if the matter is not resolved within this timescale.



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



:D NAT WEST - WON - £4282.36:D


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Hi Mad Mat


You can still go and get your charges. Did you ever claim Contractual Interest?..


Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I don't think I can claim contractual interest, or at least I wouldn't know how to calculate what was due as I cleared the account down to £0 several times during the period when the charges were applied.



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