Not sending me the information...

[Henry01]

I sent Capital One the standard letter asking for statements for my open account and my previouse closed one.

 

I got a reply with only the open account statements.

 

I replied asking for the closed account information as requested.

 

I got another reply with another set of open account statements.

 

I sent another letter asking for the closed account statements

 

Again I got the open account, this time with werid screen grabs from their system showing useless notes on my account.

 

Any ideas??

Anyone have a UK phone number i can speak to them on??

There starting to drive me mad!

 

Many Thanks

[spiritgirl59]

Hi there Henry

 

I have had extensive dealings with this lot.

 

You won't get anywhere with them on the phone in my experience.

 

Unfortunately for the consumer, their left hand does not appear to know what their right hand is doing (putting it politely)

 

Try writing to them at :-

 

The Executive Office

Capital One Bank

P.O. Box 5281

Nottingham NG2 3HX

 

Explain what they have done, and also what they have failed to do, and ask them to rectify the situation by return. Send a further copy of your previous letters as well, so that they have them to refer to and can see what you originally asked for and are still waiting for.

 

Good luck!

 

Love SG x

[**Tilly**]

Hiya

 

 

You now need to send the non compliance letter for the closed account, they have 7days to comply. here is the link.

 

 

 

 

Tilly

 

Data Protection Act - Non-Compliance - Template Letters

 

 

[Henry01]

Many thanks for the replies

 

I have been writing to 'The Executive Office' so sadly no joy there.

 

I thought I could only send a non-compliance after the deadline of xx days has passed, cant remember the number of days of the top of my head, from when the cheque was banked or can I send it now as they are ignoring my request?

 

Many Thanks!

[**Tilly**]

Hiya

 

if you sent it recored delivery the date should be on your reciept,yes you will have to wait the 40 days for them to reply.

 

 

 

Tilly

[Henry01]

Sending off the letter:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

SpiritGirl how easy was it to get the charges refunded, once ive finally got the list of charges.

 

Thanks!

[**Tilly**]

Hiya

 

 

here is my thread,they paid up fairly easily with me, here is hoping you get

the same result:D

 

Tilly49 v capitalone ** WON **

 

 

Tilly

[spiritgirl59]

SpiritGirl how easy was it to get the charges refunded, once ive finally got the list of charges.

 

Thanks!

 

Hi again Henry

 

I've not been pursuing them for charges, I'm in an ongoing battle with them over an alleged debt they say I owe, but for which they cannot provide a Credit Agreement. I've got a rainforest full of correspondence from them but none of it makes any sense and they don't understand what an "agreement" consists of - so my case is slightly different.

 

I just wanted to offer you support and let you know you weren't alone in struggling to get any answers from them!

 

Well done Tilly on your success with charges, and good luck to you Henry!

 

Love SG x

[joebloggs]

Henry01

The best advice i can offer when dealing with these people it to keep things as simple as possible.

You have sent the SAR requesting exactly what you want, the procedure after that is very simple they either fully comply or you report them to the ICO.

In my experience it is absolutely pointless keep writing to them or getting involved in any telephone conversations, they only use each event as a further excuse to delay and frustrate you.

Do the basics and keep strictly to a timetable leave them no opportunity to wriggle.

[Henry01]

Thanks, I got my info eventually! Claim letter now sent and waiting for reply, how long do they have?

[WendyB]

Crap One are usually fairly quick with their reply. They'll tell you to bog off, then offr the diffrence between £20 charges and current £12.ie £ per charge. They hope you will accept this like a good little boy and then go away and stop hassling them. But you won't. After you've sent the LBA you'll get their final final offer. Which will be the same as the first offer. File an N1 at court, they will say they'll defend. Then they will offer the full amount. Charges, probably purchase interest, 8% stat interest, and court fees. You're on the way to the winning post.

[Henry01]

Yep got my letter offering difference between the amounts, there only offering me £25 in total! Now doing my LBA.

 

Does anyone have an example of their N1 so i can start work on it? Is there a guide anywhere?

 

Thanks!

[saintly_1]

http://www.consumeractiongroup.co.uk/forum/show-post/post-1191734.html

[Henry01]

Thanks for the link!

 

So do i just fill this in and register it with a court? How do i do this and can i do it all online?

 

Also out of interest did capital one close peoples accounts after getting charges back?

 

Thanks!

[saintly_1]

You need to take 3 copies of the N1 to your local county court, at one time we would of said use MCOL however these claims are automatically being stayed.

 

You can fill in the N1 here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html as I said you will need 3 copies and 3 copies of your SOC's. Take/send to your local CC with the applicable fee (this depends on the amount of your claim)

 

Hope that helps

 

 

 

saint

[Henry01]

Thanks for the great info, im new to this, what is a SOC and how do i write one/fill one in? i assume I can send the court a cheque for the fee's with the paperwork, dont suppose you have a link to calc the fees do you? Thanks again!

[saintly_1]

court fee's are here Fees

 

SOC = Schedule of charges (usually a spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html )

 

 

And yes you can send a cheque as payment

 

 

saint

[**Tilly**]

Hi

 

A soc is your schedule of charges, the n1 will not save, you will have to print it of when you have filled it in,

 

6. Interest calculation spreadsheets

[**Tilly**]

Hi Saint

[Henry01]

Thanks!! I've already done my SOC, sent it to Capital One with my letter. Just the N1 to do then

 

Will wait for a reply to my rejection first, no doubt they will offer me the same and tell me they will defend themselves in court

 

Then time to send the N1 - will post updates!

[**Tilly**]

Hi

 

You also need to make 3 copies of your soc to attach to your n1

 

3 copeis of poc

3 copies n1

3 copies of soc