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To claim or not to claim


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Some time ago I had a lot of hassle with Capital One claiming I had a credit card from them and the case went to court, I had had a string of telephone calls from Capital One at my old work place and my old home (I was repossessed in October last year, another thread on that to be posted soon) - Capital One failed to show up for the hearing and the judge threw their claim out. I had a cancellation notice for a CCJ they had issues and that was cancelled, a notice of discontinuation received from Capital One.


I thought that would be the end of it but there have been continued letters from the (and a call froma Scotcall agent) since the issue of the notice of discontinuation. Some letters have been from Hamptons Solicitors (copy of notice of discontinuation sent to them) and some from DCA's (Legal & Trade). I have all the paperwork (including CCJ appeal, cancellation and notice of discontinuation) in order and I was wondering what to claim


1. Charges on the alleged account

2. Breach after sending notice of discontinuation


I've heard nothing at my new address so far but expect it won't be long before another DCA will start again.


Any advice would be welcome. I've been told I could go to the FSA or Ombudsman but wondered which one would be best.

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Hi and welcome sillygirl1


You would be unable to claim any charges that you have not actually paid. I have moved this thread to the Capital One Forum where hopefully someone has experienced a similar thing to you and offer more specialised help.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.


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