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is capital one part of the 'test group'


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i successfully claimed back my charges from HSBC earlier this year and want to do the same with my capital one charges which, so far, tally £472. my question is, are people still being successfull against capital one and are they part of the test group?


also, how do the letters differ to the ones i sent to HSBC?


Thank you dearly

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The test case is for Bank Charges not Credit Cards - so it's business as usual with the Credit Cards.


Letters are in the template library and the spreadsheet calculator for charges

My CCA skeleton argument to use in court -



Useful Letters (CCA request is letter N)



CAG A-Z list of useful places in CAG -



Introduction to Consumer Litigation -





ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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