Capital One - Easy Refund??

[Neo]

After tallying up charges on my Capital One Credit Card over the last few years... the total came to £972.

 

I posted my Prelim letter off to the Executive Office in Nottingham on the 18th April..

 

I have just logged on to the website check my credit card balance and take a look at what it shows below. My limit is the standard £200, but they seem to have refunded £197.34 to bring my balance to zero. I called up and my card is still active but the Indian (?) guy on the phone couldn't tell me why the refunds were there. Any ideas? Has this happened to anyone else?

 

ps Notice below that the £10 payment was in fact the DPA fee they so kindly used to make my minimum payment against my account. How thoughtful, for once.

 

 

Transactions Since Your Last Statement Details

Paid In Paid Out

05 Apr PAYMENT (BANK) RECEIVED 10.00

07 Apr TESCO EXPRESS 2996 SOLIHULL GBR on 06 Apr 23.31

25 Apr LATE FEE REFUND 97.34

25 Apr OVERLIMIT FEE REFUND 100.00

[Neo]

Well I now have a letter from the famous Robert Udy. Jeez he is a busy man.

 

He explains he has refunded me £197.34 as a goodwill jesture out of the £972.

 

Interestingly, one of the paragraph states:

 

"To explain, we automatically add late payment fees if your payment is missed, arrives late or isn't enough to cover your minimum payment. We'll add overlimit fees if your balance goes over your agreed credit limit."

 

Has anyone else had letter from Mr Udy admitting they are automatic charges?

 

If not, would admin like a scan?

 

Modified LBA Next, i will keep you informed of my progress..

[crawley_girl]

My letter didn't say fees are automatically added. Just a basic 'bog off and stop wasting our time' letter x 2

 

Just had a letter offering me everything I wanted, 10 days after filing online.

 

Go for it! Get the buggers!

[Natasha]

Well I now have a letter from the famous Robert Udy. Jeez he is a busy man.

 

He explains he has refunded me £197.34 as a goodwill jesture out of the £972.

 

Interestingly, one of the paragraph states:

 

"To explain, we automatically add late payment fees if your payment is missed, arrives late or isn't enough to cover your minimum payment. We'll add overlimit fees if your balance goes over your agreed credit limit."

 

Has anyone else had letter from Mr Udy admitting they are automatic charges?

 

If not, would admin like a scan?

 

Modified LBA Next, i will keep you informed of my progress..

 

Hi

 

I just recieved a letter from robert Udy today the signature was scanned not hand signed i'm guessing he's had alot of these letters to sent out

 

I'm claiming for £260 and they have offered me a refund of £104 they worked this out by using the £12 oft have said to be fair so they said the difference between £20 and £12 they worked out it was £104

 

I also will be sending the LBA so good luck Neo!!

[Neo]

This topic was closed on 09 March 2019.

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