This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi Suzzy I have car finance with Captital bank and im agruing the point over unfair charges with them as well. Im no expert on this but im pretty sure that if u are up to date with all your payments (ignoring the charges) they cannot charge u any further. What happend to me was I got behind in payments and got whacked with charges. My missed payment was £247 then with charges took it to over £500 and i also got the threats of defaults / car taken away etc. So what I did was pay the £247 outstanding DD and disputed the charges, this put a stop to any further charges being made as they cannot charge u for charges (I think). It did put a stop to any more charges being added to my account and made me sleep a little easier as it was getting out of hand, the more charges they hit me with the more difficult it became to pay the DD (Dont ya just luv banks)

Well thats me shattered!! Called my local RBS branch and a very nice lady kindly put in a request for duplicates to be sent out 'free of charge' and they should be with me within 7 to 10 days. I wonder if they will be so nice when they find out what Im using them for!! Here goes.....

Hi folks I sent my DPA letter plus £10 payment to RBS a while back, since then ive left the address they would have been posted to and my LOVELY EX didnt pass on any mail till I got it re-directed. Does anyone know if i have to go thru the whole palava of DPA 40 days etc or are RBS going to be kind enuff to give me a duplicate (Kind and banks!!) hmmmmmmmm Im guessing the answer but Its better to know for sure before I call them. Cheers Steve......

Yeah J Mio was kinda fearing the worst in that respect, theres a lot to be said for pre- Nups!!!

Quick question!! My Ex ran up a big over draft on this account im claiming back the charges for, Im in the middle of arguing thins over between lawyers. My question is, when the bank finally admit they are at fault and refund you your money bank, will they pay it direct into the account and I end up paying her bill or can u get another method of payment from them? Many thanks Steven...

Received a letter today from BoS redress assessor Increasing their offer from £185 to £555 (6 months charges) as they state, in an attempt to reach an amicable solution to my complaint. This is of course a full and final settlement to all my accounts regardin BoS. Not bad considering they have taken over £3000. They say they are keen to resolve this matter and to let them know if there is anything they can do to put matters right. Giving me MY other £2500 back might be a start....

Thanks for the reply Yeah i was thinking the same, court tomorrow for the forms it is then.... Steven

Here is my case so far regarding BofS Asked for back dated statements personally at my local branch and recieved them about 3 weeks later. In my 2 accounts the charges are over £3000 so I sent my prelim approach letter asking for the 1st batch of charges(keeping it under £750) back and an offer of £185 as a goodwill gesture was made from them. So I sent out my LBA (recorded delivery)which I made from the Govan Law centre on the 29thJune stating if I do not hear from them in that time I will raise an action in my local court. Called BofS today 7th July just make sure they got the letter and she said It only reached their dept on the 6th July said she THINKS it reached the BofS on the 4th and said they have 4/5 working days to reply and if I wasnt happy I was more than welcome to go ahead and start legal action.... Im just wondering would it be better for me to wait and see what they have to say in regards to the LBA or start legal action as they failed to reply in the time I gave them. many thanks Steven....

Oops 0845 6000655 One to many 0's above

Hi WSM36 Yup Its Capital bank car finance, Ive been having a nightmare with my claims I had to move house and my Ex Cleared the house out with all my bank charges info laptop with all my details etc so im having to start from scratch again.......here is the address I was dealing with. Capital Bank accounts dept City house City Road Chester CH88 3AN 0845 60000655 is a phone number I have, not sure which dept tho. Cheers

Owned by a banking org............Shock!!!! It wasnt so much the Egypt thing, as our lovely Foreign office states Its safe to travel. It was the £240 extra to change everything from a name, date and place etc i was wondering about.........It was a breakdown of £30 per name x 3, £30 per date x 3 and £30 per person per change of country x...........eeerrr 2 they must have let our 10 year old off with that one = £240

Good on U well done ................