Clarkey1 v Capital One - **SETTLED IN FULL**

[clarkey1]

Dear All,

 

Just to let you know I Posted Data Protection Act request letter on the 26th March 06.

 

I will keep u informed.

[clarkey1]

Dear all

 

Received 1st letter from Cap One acknowledging my request and will forward the requested statements shortly.

 

I await in anticipation.

[Bookworm]

So shall we, Clarkey1, so shall we...

[clarkey1]

Dear All,

 

Received 2 recorded deliveries today from Capital One.

 

Very daunting at first glance, they have obviously done an hour and a half on the computer to print off numerous screen shots of my account, with a long list of abbreviated codes which clearly mean they have put some thought into it. Which got me worried at first, but then I started to look at my 6 years worth of statements and noticed that they have charged me £20 each time for going over 1 or 2 days past the due date, where is the justification in that?

 

They then up my credit limit, to get me deeper in debt, so then when I miss a payment they bring the credit limit back down, to enable me to go over it when next months late payment is due? What a money making [problem]! £40 per amount + interest.

 

I will carefully scan all the statements over the next day or so and there will be a preliminary letter requesting full reimbursement for the unfair charges, sitting on their door mat on Tuesday.

 

Has anyone else experienced this scare tactic?

 

Could anyone advise, that if the above mentioned screen shots represents a manual intervention ie phone call, would I need to account for that when I put forward my request for payment, ie say 5mins max per call x 20 calls, which equates to 1hour 40mins at £20 per /hour, so I will let them off with £40, as a gesture of good will, as I do not mind paying a realistic fee and not a personal penalty.

[clarkey1]

Dear all,

 

I have now toted up the charges that Capital one have helped them selves to over the past 6 years and sent off Request for repayment of charges for the sum of £600.

 

What this space?

[clarkey1]

Dear all,

 

On the 5th June I issued LBA to Capital one for the sum of £600.

[JMio]

Good work - keep going!

[kirky]

Mr Udy must be really busy. That will explain why he missed my deadline and now he has a Court Claim on his desk....I've just written to him to explain that I can no longer accept the original amount of £498 that I requested back in April, as he offered it too late - said he should view the Court Claim for an acceptable offer.

Keep going - I'm confident of getting the lot before the end of the month - hope you do too

[cwoj]

Has anyone else experienced this scare tactic?

 

Could anyone advise, that if the above mentioned screen shots represents a manual intervention ie phone call

 

I had exactley the same, but in the end thought it was a scare tactic to try and put you off claiming your own money back. My first request has been sent and they have 7 days before LBA.

 

Good luck with your claim, its your money and even with manual intevention they need to show how the costs are calculated and incurred. I heard somewhere that banks make 4 billion a year from these charges...

 

its the worlds biggest bank robbery...and inside job so to speak

[clarkey1]

Thank for the advice,

 

Starting my court claim tomorrow, as I still have had no response.

[cwoj]

good luck, not that u need it to get your own money back

[amartin1908]

Any chance you could give me the address that you sent your claim onto? Thanks

[maddison]

Hi there, I am new to this wonderful site.

 

Would you be kind enough to tell me if the first letter is the same letter for all banks, building societies etc to start the process off. If not how do I get hold of this letter.

 

With thanks.

[clarkey1]

Hi there, I am new to this wonderful site.

 

Would you be kind enough to tell me if the first letter is the same letter for all banks, building societies etc to start the process off. If not how do I get hold of this letter.

 

With thanks.

 

 

Go for it Maddison I've just won my case with the Halifax and they paid in full £1300.

 

In simple terms just follow these steps.

 

1, spend a good few days reading everybody’s updates and FAQs on this site.

 

2, On Sunday night send DPA letter (Data Protection Act) from the library (templates) asking for 6years worth of statements.

 

3, after about two weeks when statements arrive, tot up all charges and insert them in excel spreadsheet from library.

 

4, The next day Send letter requesting refund of all charges copy in library.

 

5, After 2 weeks you will receive a letter from Halifax telling you they are right and you are wrong as per there terms and conditions, they may even offer you 10% of your claim as a goodwill gesture

 

6, The next day send them a letter saying thanks but no thanks and that you are giving them 14 days to repay all charges they have taken from you or you will take them to court.(LBA Letter Before Action)

 

7, After 14 days log onto Moneyclaim.co.uk and file a claim against your bank.

 

8,Hey presto money will be in your bank.

 

This is what I have done and been successful with halifax.

 

Keep us informed by starting a new thread.

 

Good Luck

[maddison]

Many many thanks for your time to read and reply and for setting the process out so easily for me.

 

I will definately take your advice and read and learn as much as I can over the next few days before charging in like a 'bull at a gate' so to speak.

 

I want it to be a smooth process without too many hiccups.

 

So once again thanku and will keep you informed.

 

Kind regards.

[ilfaychaud]

I wrote to capital one, and signed and dated the letter etc, and i got a reply to say i had not signed the letter, and they could not act upon my complaint till they received a signed letter. sounds like delaying tactic.

[clarkey1]

I wrote to capital one, and signed and dated the letter etc, and i got a reply to say i had not signed the letter, and they could not act upon my complaint till they received a signed letter. sounds like delaying tactic.

 

What letter did you send?

 

Send them another one and request a copy of your previous letter, that will prove if they are being obstructive or not.

[clarkey1]

Dear All

 

Started court claim 19/06/06.

[clarkey1]

Dear all,

 

Received confirmation today from the courts saying that Capital 1 are going to defend the claim in full and the have 28days to respond, maybe I will get to see them face to face and what them squirm?

[clarkey1]

Dear all,

 

Received a letter from Capital one advising that the charges that they have levied against my account are as part of the T&C I signed up to and are justified; however on this occasion we will refund you back the LOT.

 

:lol:

 

Yes you read it right they paid in Full £794.91.

 

:lol:

 

It has taken from the 24th March 06 to the 20th July 06 and it has been worth the wait.

 

If you need any help or tips, please do not hesitate to contact me

 

Good luck to you all

[Bookworm]

.

 

 

 

Don't forget the survey to encourage others!

 

.

[robert and carol morgan]

dear all can anyone tell me if it is the same process against late payment fees for capial one cards. i sent a letter regarding these fees in response to the oft best practice ruling and they replied basicly saying take a run and jump they are write and the oft are wrong

can any one help

 

regards

jimmy

[JMio]

Dear all,

 

Received a letter from Capital one advising that the charges that they have levied against my account are as part of the T&C I signed up to and are justified; however on this occasion we will refund you back the LOT.

 

:lol:

 

Yes you read it right they paid in Full £794.91.

 

:lol:

 

It has taken from the 24th March 06 to the 20th July 06 and it has been worth the wait.

 

If you need any help or tips, please do not hesitate to contact me

 

Good luck to you all

 

Fantastic - simply brilliant!!

 

Congratulations, here's hoping I'll be joining you in a couple of weeks!

[JMio]

dear all can anyone tell me if it is the same process against late payment fees for capial one cards. i sent a letter regarding these fees in response to the oft best practice ruling and they replied basicly saying take a run and jump they are write and the oft are wrong

can any one help

 

regards

jimmy

 

Hiya - I've sent you a PM

 

[clarkey1]

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