Hello
I am hoping for guidance please
I have a capital one card that has a few charges on that I really can not afford to pay.
I told capital one this and asked them if they would consider freezing the interest and refunding the charges then agreeing to a repayment plan but they said no and that is their final answer.
So I then sent them a letter before action for the charges.
This was then ignored and I have since received a default notice.
The credit limit is only 200.
I have a standing order set up for 10 a month and this is all I can afford.
But when they are adding 24+ a month in charges plus interest it is obviously not reducing the debt.
Are capital one allowed to issue default notice in response to letter before action?
I can now afford the court fee this week so where do I start with putting together the information for the claim?
Can I now add the charges that they have added since the letter before action?
Thankyou for your help
Xx