Hmm, its been 2 weeks since I filed with MCOL. I've spoken to the lady at Cap One Executive centre who has said she has my charges list now. Heard nothing else though. I can't see anything different on MCOL to show they have acknowledged the claim. I was under the impression that Cap One caved in quite quickly once MCOL had been filed?

I just wanted to share my experience with Crap One and the nightmare i've had trying to get back default charges. Started my claim procedure in May and asked for a list of charges. Sent letter off in June asking for a refund of £412 + interest. Got a "we are looking at it for you" then an offer of what was meant to be the difference between £20 and £12. However this figure didn't add up, I replied on 27th July, with a "thanks, but no thanks, and could you explain how you come to your figures?" Heard nothing back, sent a LBA, and got a letter again stating we are looking at it for you dated 02/08. As i'd heard nothing I sent another letter on 16/08 following up my intention to go to court. On the 31/08 I received yet another "we are looking at it" and another on 16/09 stating they needed a little more time. On the 20/09 Capital One sent another letter telling me that they thank me for my letter dated the 25/08 regarding default sums but I am to refer to their letter dated the 18th August as a final response. I've never had any letter dated the 18/08 from them, and infact had sent a letter on the 02/09 clearly stating I had no response at all just 2 letters dated 02/08 and 31/08 both stating we are looking into things. How could they be "still looking into things" in September if they had sent a final response back in August. I rang customer services who have told me that I couldn't speak to anyone in the Executive Response team and they can't arrange for a copy of the letter dated 18/08 - I need to write in. I felt Capital One are just mucking me around to make me back down. I didn't see why I should have to wait another 40 days for a response from them, nor could I believe that I would receive 2 letters after their "final response" telling me they are still looking at my complaint. After eventually speaking to someone who promised me a copy of the "final response letter" and then me not receiving anything from them, I gave a further 7 days before I would start court proceedings. I duely did on 15/10. On Friday last week a very nice lady from the Crap One Executive centre rang me asking for a copy of my charges (sent them with all 6 letters they had from me!!!) faxed over on Monday. Turns out the lady in question was off Monday, but now it is just a waiting game to see what happens. I will update as soon as i have something for you all.

Hi all, looking for some advice please. I started my claim against Egg back in December of 09 but got a refusal for anything below the £16 mark. Total was £560 I requested and their offer was for £64. None of these included any interest. I eventually got round to complaining to the FOS who backed Egg (nice of them) and stated Egg were still happy to pay back the £64 + interest but no more than that. Having started an MCOL claim against Crap One, I feel a bit happier about how to do that, but what is peoples experience of going up against Egg in court? I'm sure I read somewhere that they had defended before but the judge had ruled £5 was a sufficent charge, so were reluctent to again, but most threads on here are for other Egg related problems rather than default charges. These are now up to £688 and once interest was added, would almost wipe out the debt on this crappy credit card that they pulled the available credit on after the Citi take over. Should I pursue this avenue now? Many thanks