Capital One live account, but reclaiming charges Question

[macca73]

Hi

 

I currently have a capital one account. My balance is currently at it's limit (£1000), but I know that around £250 of this is charges.

 

My question is, if I am to go down the 're-claim my charges' route, will Capital One get shirty and want to close the account, thus leaving me around £750 to pay off immediatly?

 

I want to keep the account with them, but just want my charges back. Also, is it all charges I can get back or just the charge for late payment?

 

Any help appreciated

 

Many thanks

[Guest Old_andrew2018]

Hi

Is your capital one account a credit card or loan account

[macca73]

I'm sorry, reading it back I think I confused myself

 

Basically, my credit card account with Cap One I still use on a fairly frequent basis. But have looked back over the last couple of years and I have accrued around £240 in charges relating to overlimit charges and late payments.

 

The thing is, I want to pursue claiming the charges back, but am worried that if I do, Cap One will want all of the money outstanding on the card back. I want to find out if this is going to be the likely action from Cap One should I make a claim for charges.

 

I hope this makes a little more sense

 

Thanks

[havinastella]

Hi Macca,

 

I think that CapOne are one of the companies that keep the card open, but as in anything, you never know.

 

JOgs

[columbo2000]

I'm sorry, reading it back I think I confused myself

 

Basically, my credit card account with Cap One I still use on a fairly frequent basis. But have looked back over the last couple of years and I have accrued around £240 in charges relating to overlimit charges and late payments.

 

The thing is, I want to pursue claiming the charges back, but am worried that if I do, Cap One will want all of the money outstanding on the card back. I want to find out if this is going to be the likely action from Cap One should I make a claim for charges.

 

I hope this makes a little more sense

 

Thanks

 

 

Hi Macca,

 

I am in the same position as you - But my outstanding balance is over £2000:eek::eek:!!

 

I too would like to start a claim against Cap1, but at the same time afarid they will demand monies owing - or worse cancel my credit card:(

 

Have you made any decisions on what to do?

[papadak]

Hi Macca,

 

I am in the same position as you - But my outstanding balance is over £2000:eek::eek:!!

 

I too would like to start a claim against Cap1, but at the same time afarid they will demand monies owing - or worse cancel my credit card:(

 

Have you made any decisions on what to do?

 

I've had total success reclaiming from Cap 1 .... do not worry ... claim away & ask away any questions you may have.

 

Go for it!!

[papadak]

I'm sorry, reading it back I think I confused myself

 

Basically, my credit card account with Cap One I still use on a fairly frequent basis. But have looked back over the last couple of years and I have accrued around £240 in charges relating to overlimit charges and late payments.

 

The thing is, I want to pursue claiming the charges back, but am worried that if I do, Cap One will want all of the money outstanding on the card back. I want to find out if this is going to be the likely action from Cap One should I make a claim for charges.

 

I hope this makes a little more sense

 

Thanks

 

 

Too right!! ..claim it all back + interest. I did, no probs! ... just stick to the format & you can't go wrong