Just a quick question, sorry to start a new thread, but I am having difficulty finding template letters on the site. I have been offered a reduced amount and need to send a letter accepting as part payment and advising that I will be lodging mcol within 14 days etc etc etc Help!! Chrissie

think I will move all my correspondence to my parents address in Rhyl lol:D Chrissie

Has anyone got a copy of these please Thanks Chrissie

Yes chrissie

Thanks...................will have to re budget for next month. Paying off originally 19K (following a very messy divorce, he got the money i got the debts.........HOW DID THAT HAPPEN!! down to 10K after 2 and half years debt free date dec 09 and this would make a quite a diff if I get the alot about another £450 not including the part payment they already paid. Chrissie

Think I probably will fgo ahead. Has anyone used the Finasncial Omudsman against Cap1 as a little strapped for funds at mo and the £50 for the MCOL could stretc h me a bit for a couple of months and don't really want to wait till July to file the claim. Chrissie PS had to laugh today though. Had been away working for a few days and when I got back tonight found anouther letter fromCap1 saying they were sorry I was rejecting their claim and appologising for my complaint about poor communication. It was def not a template letter as it referred to my letter but I haven't yet refused their offer.

Thinking of both options at mo, can't do anything till monday as away with work, but I think you are prob right will let you know when I decide what to do Thanks Chrissie

Oh well I suppose the battle has now commenced. Finally got the offer letter today of £190 against claim inc interest of approx £660. Refusal letter will be in the post very soon................am actually going to submit a reduced claim to reflect £4 acceptable as charge less interest. Will include interest if no reply within 14 days and court proceddings started. Chrissie

thanks chrissie

Am I being A bit thick here, but I have read the post and the link and still am a little baffled at what the outcome was. Chrissie

Due to work commitments I have been a little out of the link on Mr Brennan's case the last couple of days. Can anyone update me as to where things stand at the moment, I think as of monday the case was carried over to Tuesday. Thanks Chrissie

Thanks for those, the only thing that is confusing me now is in the T&Cs it does not call them "penalty charges" just "charges", can anyone advise if this makes a difference. Thanks Chrissieo

Cap 1 CC of 4 companies I am attempting to reclaim unfair charges from. The story so far........................ 23/3/07 Requested statements todl 28 days 12/4/07 rang to say statements not arrived, customer service chap, very polite said they had been sent on about the 2/4/07 but he would send me copies of my full statements as it would be quicker. 25/4/07 received statements 26/4/07 Posted claim, giving 14 days for response 10/05/07 Told they were dealing with my claim and I should here something and letter had been sent so should hear early this week 15/05/07 Rang was told they had sent a reply to me on the 4/5/07, which I have never received and was told I couldn't have a cpoy. Faxed second letter chasing them by fax giving them 7 days to reply or I would start proceedings. Rang back in the afternoon as I was niggled by the reply I had received this morning only to be told this time my claim had never been received and that they had verbally put in the request for my claim to the executive department and they had replied on the 4th and they would send me a copy of letter within 7 days. All help and advice greatly received Thanks Chrissieo

I am also after Capital One CC T&Cs from around that time, my account was opened in about 2002 so if you could help, please let me know thanks in advance Chrissie