i agree mate my bank charge 6quid if i go overdrawn i know some do less than that so i just need to ask them for a full breakdown of how a £12 charge is built up also just to be prepared if they say no how do i proceed then fella?

so basically challenge them on how the £12 charge is built up admin costs ect ect then is what your saying.

update well rung the number they say that default charges are correct and are looking into ppi any advice??

well hopefully u will get the result you are looking for jasper its about time people stood up to compnys like this they have had it all their own way for to long mate.

ok cheers jasper i always like to be prepared how is your claim going with them any news as of yet?

also if they ask where i got the number from what shall i say cheers

thanks jasper will look into that today i have a half day at work so can ring then so i can complian about ppi and default charges which by looks of it will clear my balance on credit card at least cheers.

Cheers guys will look into this now i have looked into sar but they wanna investigate it they said it will take 8weeks though

hi guys well i spoke to a manager yest who alledges that on the online app tht i ticked it and when i rung to activate the card im pretty sure i was offered it but declined also yest when i asked to remove it i was put on a hard sell to keep it any idea on what i need to do contact also what about late/default charges are they fair game?

hi there needing some advice as i usually bury my head in sand with these things i had a letter of cap 1 regarding my payments yesterday on there it says pay now to to make sure you ppi does not get cancelled i did not sign up for ppi as i have a pre existing med condtion which would exempt me from claiming i spoke to cap 1 regarding this who told me i had selected it online when i made my application so for over 2yrs ive had a product which i neither knew i had or would have aggreed to also im getting charges left right and centre of them any advice?

not to sound stupid but how do i work this spreadsheet i must sound like a right idiot!

do you have a link to the spreadsheet mate i looked all over what you said and cant find anything thanks in advance.

cheers mate will have a look at that now every little helps don't it lol

cheers mate how much intrest do i need to charge them ect? i do everything online so its easy enough to check charges ect do you have a tool to use to work out intrest ect they are a nightmare to be honest constantly ringing ect even though ive asked them to remove the numbers and contact us by e-mail or 0post they wont nightmare is the right word.

hi im hoping to get some help me and the wife both have a capital one credit card which we are looking to close down i have read on here about people claiming back late payment charges can someone explain how this works or point me in the right direction.thanks.

errol.damelin@quickbridge.co.uk hope it helps

Hi there if you e mail the head man who helped me out as i like yourself found the collections dept and there customer care team a absolute joke inbox me if you need any contact details

Update Well a bit of luck yesterday after reading on here about e mailing the guy at the top i had a a reply of him directly and also a telephone call of someone high up actually willing to help so thanks for the advice on here guys!!

Thanks mate i will get there eventually well hopefully i have been honest and upfront with them but its like banging your head against a wall lol

Hi thanks for the reply i have read about on threads here i have e mailed the guy at the top and also e mailed the customer care if you can call it that lol. i will not be sending them a statement now thanks for the advice they did take 10 per day for last few days until i stopped the card i rung them up and they wanted 20% of the payment upfront before they can set me up with a payment plan one thing is though i do not want to occur more intrest so you reckon total amount plus one monts intrest is fair enough to pay back is it???

Hi im new to this site i need some help regarding wonga i have lost my job recently and i owe tem money i have e mailed them continously since middle of jan to sort it out to but no response come payday money does not get paid then they start taking 10 per day of my other card which i now have cancelled. I have rung them up to resolve the issue but they are unwilling to help and are very rude they want 20% of the outstanding amount which is money i have not got i told them i cant do this and they want me to send a finance statement whatever that is is anyone able to help me or advise me what i need to do as they never respond to e-mails and i cant talk to them as they are so damm rude!!