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This has thrown me off the ball a bit.

I requested all my statements over the phone

about two weeks later i recieved the lot in the mail.

I have a limit of £200 but charges amounting to £800.

 

About three weeks after the statements were delivered Cap 1 sent me a letter.

"thank you bla.bla.bla.

we have paid £204 into your account and if you do not reply within 30 days we will regard this matter as closed."

 

any advice as to how i must proceed.

i have not sent them (Request for Repayment letter) (Letter Before Action).

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