Hello Can someone help me please, I have an account with 24 Ace (Express Gifts). Last month I received my statement and noticed theyt had dropped my available credit by over £1000 Now the available balance is less than my actual outstanding amount which now shows as me being over my agreed limit on CRA's I received NO letter advising me of this, I have called them and they have failed to call me back, I have sent letters to the Preston address and nothing back... What can I do now?

Well done to you

Like this? http://i4.photobucket.com/albums/y104/marcellep/K1of5.jpg http://i4.photobucket.com/albums/y104/marcellep/k2of5.jpg http://i4.photobucket.com/albums/y104/marcellep/k3of5-1.jpg http://i4.photobucket.com/albums/y104/marcellep/2of12.jpg http://i4.photobucket.com/albums/y104/marcellep/3of12.jpg http://i4.photobucket.com/albums/y104/marcellep/1of12.jpg I hope you can all see the letters this time Letters now in order and a copy of the defaulty they sent me is also there

How do I make them bigger?

The fight is still ongoing with Capital One and now the IC have taken my complaint onboard and are willing to investigate the complaint. I thought I would share all the letters that Capital One have sent me, I would been keen to read any thoughts that anyone may have with regards to the letters. I have removed all names, accounts numbers and addresses for security reasons. I hope nobody minds but I have left the name and address of the person who sent me the letters. Letter one below Okies so thanks so IdaInFife I have now managed to show the letters a few posts below

As most say above you need to have Joint loan, Bankl account or Credit card. To be associated

I complained to the IC and this is the reply :idea:

Anyone help?

Can anyone tell me if I am etitled a copy of my default. As per cap one they do not need to send me anything at all. What do I do now? They have sent me a letter with a copy of a blank default!!!

I have now logged an offical complaint with the IC.

This is a letter I received from Capital One today, what a check the letter is dated the 7th April 2009. With the letter I have a basic copy of terms and conditions which apply to the credit card. No information they have provided is what I have asked for. I asked for “a copy of the default under the data protection act” I was told I was entitled to this by the information commissioner. I think this is just a standard letter with a few lines added.

I have had a TD but not with them! Who put you in touch with them? I done my TD through Begbies Traynor in Glasgow despite me living in Edinburgh

*Update* 14th May 2009 Well I did send an email to Richard Fairbank, who I am informed is the big boss @ Capital One. Well I got a reply Dear Marcellep This is a courtesy email to confirm that we have received the email you sent to Richard Fairbank on Tuesday and are actively investigating your concerns and how we can resolve them. I will be your point of contact regarding this. If you would like to contact me regarding your complaint, please feel free to call me on 0115 8433792. I am in the office on Monday, Wednesday and Thursday between 8.30am and 2pm. I will endeavour to provide you with a written reply, as you have requested, within the next five working days. Thank you for your patience Kelly Shaw Executive Office UK 0115 843 3792 (dept)

Well they aint done that yet, They keep updating the default on my CR. I will fight a wee bit more for complete removal.

I would not think about this for a while yet!!! I would seek advice from CAB regarding this to be honest. Good Luck and keep us all updated