capital one credit card charges wont pay back ***WON***

[oggy1]

hi to everybody,

have tried to get my charges back on my visa card , £276.00, after the letters and lba they have refunded £88.00 back and are refusing any more even though i told them i would take court action.

what are capital one like and is it worth pursuing the balance as they suggest even if i contact the financial ombudsman they are right.

please any help would be appreciated.

[steven4064]

they have refunded £88.00 back and are refusing any more even though i told them i would take court action.

Then you should take court action. They will quickly give in.

[oggy1]

thanks for the advice ,

when they send all the letters back , i seem to loose it a little and become unsure.

its great to be able to get some reassurance.

will be issuing court papers soon

[dj59]

Have had two claims against Cap One on both occasions they have paid the full claim amount once the Court papers have been issued.

 

Carry on and issue your claim through the court they will pay up

[oggy1]

thanks dj59,

will be issuing claim in a couple of days

[ukaviator]

Hello Oggy1

 

Please don't use MCOL online, as they will automatically "Stay" your case. Use the N1 court form and file it yourself. Also you will get all of the new POC on the form, with MCOL you have no space in the box for a full POC.

[oggy1]

thanks ukaviator , will do that .

just sorting it out and will file this week.

[maroondevo52]

Hi, Oggy1.

 

As soon as Cap 1. received my Summary Cause Summons they paid up pronto.

 

Best wishes.

 

Scott.

 

[oggy1]

thanks maroondevo52 , just working it out,

does anybody know the daily rate of interest to put on the poc

thanks

[ukaviator]

Hi

 

The daily rate is = 0.022% (8/365)

 

Add up your charges and interest then x by 0.022%

[oggy1]

thanks ukaviator,wasnt thinking properley last night, must be all this pressure.

thanks

[oggy1]

well thats done now, went to court and issued court papers.

i think capital one will have to answer this one.

[ukaviator]

Just the wait now. They will say that they will defend, then payup. been that way for well over a year now.

[oggy1]

cant wait till they get the court papers, will be interesting?????????//

[oggy1]

well had reply from the court today.

capital one are going to defend the case. i honestly didnt think they would bother.

[ukaviator]

They nearly always say this then pay up. I would check your account onine everyday from now on. The refund is received before the snotty letter from them.

[WendyB]

They won't. They always say they are going to defend, then usually send an offer letter shortly afterwards. The reason they acknowledge the claim and sat they'll defend is that it buys them another 14 days. Usually they don't even send a copy of the defence in at all, although i did get one last week, on the same day they sent their cheque! And the defence was rubbish anyway.

On past form, won't be long now, sit tight and wait, you'll be sorted soon .

[oggy1]

WON WON WON, :)

 

just as you said ,wendyb & ukaviator, checked my account and they have repaid all of the money plus costs.

 

recieved the snotty letter today and they wish to move on from here.

 

have started claim for ppi also.

 

they still will not send the cca though even though i have requested it for a 3rd time.

 

thanks all of you.

[maroondevo52]

Congratulations.

[oggy1]

thanks

[ruralgirl]

Congratulations.

 

I had a letter today to say they had paid my claim too. Balance now cleared and a cheque on it's way.

 

You sent Miss Ellie a Christmas card?

[WendyB]

Congrats.

[steven4064]

Well done oggy

[ukaviator]

There you go Oggy. . . . great result.

[steven4064]

I had a letter today to say they had paid my claim too. Balance now cleared and a cheque on it's way.

Well done rural girl

You sent Miss Ellie a Christmas card?

What about the rest of the Ewings?