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Beckz -v- Capital One


beckz27
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I made a claim with capital one for £300, i got an offer of payment this morning for £214 to be paid to my credit card this month.

 

What i wanted to know was, my claim was for charges made onto my account last year as i had not recieved any statements from them so just made the claim on what i had.

 

I have however recieved the statements from capital one and have now found out the charges total £1000 (so £700 more than what my original claim was for).

Does anyone know if i would be able to make a seperate claim for the rest of the money and should i accept the offer or fight for the rest??

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hi what stage are you at at the moment ie first letter, second letter, mcol,

as if you have only sent one letter then send the second letter with all the charges on as the 214 will be the £8 diff per charge

ang xxx

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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That was a reply from the first letter sent. I have decided to acept this offer as i now wish to start the other claim with them for £700, i am aware that the courts don't allow more than one claim to go through in scotland so thought i would just take this offer and see what happens with the second claim, this runs before the original but is still for £700 so going to try my luck :razz:

 

The amount they owe me in charges well exceeds the credit limit on the card and is almost double what the outstanding balance is lol.

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i think you will find that they are offering to reduce the £20 fees to the oft £12 and accepting this offer they will have included the other 700 in this offer so will not beable to reclaim them again

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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