My first reply back from Capital One! Nothing exciting though. Was just the photocopy of my driving licence, council tax and water bill being returned along with a complements slip! Hopefully my statements should be following shortly!

Letter received today from Jan Kandaswamy from Retail Banking Customer Relations at Leicester. Appears to be the standard letter that is being sent out saying that they are looking into my concerns and will let me have an answer as soon as possible. Also enclosed was a customer complain leaflet. They have got 9 days left before letter before action is sent out.

Well after finding an artice on another forum about this website I decided to have a look - and like everyone else was probably very excited the more I read on! I currenlty have paid fees to Barclays, Capital One, Sainsburys Loan, Burtons, Barclaycard and Abbey National. I sent the DPA off for Barclays and Capital One - Thought id start off with a couple of easy ones! Capital One is running in another thread. Well this morning I was quite excited when I saw two large white envelopes on the door step! The letter inside stated Also enclosed was a compliments slip with my £10 cheque returned! So after reading through the statements, the total comes to £585. Will be sending my first letter out today and see what happens from there! Something interesting I noticed on the statements, was in the top corner it says FICHE PERIOD 29FEB 00 to 22MAY 00 FRAME 183 FICHE 244 ACCOUNT FRAME 1 Dont know if this helps the argument with barclaycard at all - if barclays can take statements from fiche records and supply them under DPA , why cant barclaycard! I will keep you updated

Is it just me, or does this just appear to be going round in circles?

Does that include them refunding the court costs or are you going to pay for them out of your own pocket?

After reading the forums and FAQ's for the past few days I have decided to take on Barclaysa + Captial One to begin with. I will start a topic regarding Barclays after a bit more has happened. Well, its been about 3 years since my account with Capital One was active. Usual story, I missed a few payments, the charges kept occuring and it snowballed from there. The debt was then passed to a debt recovery company was was cleared around 2 years ago. Since then my Capital One account has been closed. In those 2 years ive moved out from parents and now have my own place. So i thought the easiest step would be to contact Capital One to advise of my new addess. The nightmare begins! I advise that i will shortly be sending a Data Protection Request off to claim my statements for the past 6 years, but would like to alter my address over first as i have moved. Low and behold, they cant change your address over if the account is closed. I was advised to write in and they would be able do it. I state that if I mention all this in the Data Protection Request and provide some ID, would that be suffice? The male stated that would be fine and gave me the address in Nottingham to send the letter off. I was then advised I would need to send the cheque to a different address otherwise the process would take much longer. I told him that I would not be sending the letter and cheque to different address's but to the address he gave me. I advised that Capital One will have 40 days from when they recieve the letter and cheque to disclose my statements - after a lot of um'ing and ahh'ing I was advised I needed to contact the following number: 1159938002 I confirmed the number 3 times and advised this was not a telephone number as it did not start with a zero. A 2 minute debate took place after which I was informed this was an international number! I informed the male I wanted a UK number and he then gave me 0800 952 5092 which is for the payment dept. I asked why I needed to contact them and he said to advise a payment was being sent! I told the male I would send letter, ID and cheque to the address he gave me and take it from there. After all, Its them who have the 40 day deadline. I thanked him and went on my way! I believe this is going to be hardwork in getting my statements due to the address being different. I was told 2 original bank statements or utility will be suffice. Needless to say I will also be sending a copy of my driving licence along with this so they cant through any hurdles in the way! Am quite nervous about taking on Capital One, as obiviously if the account was passed to a debt collection agency, manual intervention would have taken place at this point in which they could probably use this in court. Well thats all - will update further within the next 40 days when I receive statements!

Steve, based on this comment did you re-send the cheque off asking if there was any manual intervention, or did you take it as they didnt know what it was so presumably there wasnt any?