where do i start?

[digger80]

i havent had my cap1 card for about 2-3 years can i still claim for charges:-?

 

i dont have any info on it at all, no statements, acc number, nothing:confused:

 

where do i start:-?

 

tia alex

[thesergeant]

Digger,

 

Read the FAQS, look at the template letters in the library.

 

Firstly you need to send a SAR to capital One giving them as much information as you can to identify your account.

 

Once you have your statements etc, you can work out how much they have unlawfully taken and begin the process of claiming it back.

 

Good luck :D

[digger80]

i have found the sar letter, thanks.

 

another annoying q, soz. as i dont have a cheque book, can i pay the £10 charge via another method i.e postal order, debit card? i am unsure about the debit card as barclays didnt take one from my card when i sent them the 1st letter.

[Rooster-UK]

In addition to the sergeant's advice....

 

Yes you can still claim whether the account is active or closed.

 

Regards, Rooster.

[Rooster-UK]

A postal order is quite satisfactory. Keep the receipt and make sure that you send all your letters by recorded delivery. Then they can't claim that they never received them.

[digger80]

if i add this to the sar letter do you think it sounds ok.

 

i have also changed my name too, so adding this in too.

 

As i no longer have an account with your company capital one, i am currently unaware of my account number. My name at the time of the account was Miss ................ As the account was held over 2 years ago i have also changed my title and surname to........ due to marriage. The name held on the account was ...(full name)... and my date of birth is ....... I see this as evidence that my account was held and the information i have supplied is relevent and sufficiant to find my account. I also held the account at the above address.

 

 

does this sound ok?

[digger80]

TIA rooster

[Rooster-UK]

For any normal person,yes, it would be enough.

Unfortunately the banks will use any excuse to intimidate and delay you, so they may ask for additional information.

 

Plod on.....you WILL succeed.

[digger80]

well i wouldnt expect any less. i mite photocopy my passport and include that in too as its in my maiden name.

[thesergeant]

The more information to prove your identity the better, as it may force them to accept it and send your statements without referral back to you.

 

Good luck .........

[digger80]

sent SAR on 11/04/07 so eagerly awaiting a response.

[ukaviator]

Well done. . the first step of many with Cap One, we will help guide you through them..Keep us posted..

Uk

[digger80]

well the 14 days are up and i have heard nothing from cap 1. I am going to send the next letter tomorrow.

 

Anyone else not heard within the 14days?

[Paintball]

Hi Digger

 

I have the same problem with old (closed) Barclaycard and NatWest card a/cs. I sent loads of info in SARs but got no response.

 

I had a little brainwave and found some payments on my Coop statements which I knew had been made to these organisations and asked Coop to trace a/c numbers from their Archive System (ALL banks have these) from these transactions.

 

Coop kindly complied after some 'encouragement' from me and hey presto! I have two old a/c numbers. I sent SAR reminders to both Barclaycard & NatWest reminding them of their 40 days limit.

 

HTH

[glav]

Digger

 

Cap 1 have 40 days to respond to SAR request, not 14 days, so will be towrads end of May before deadline expires.

 

glav:)

[digger80]

thanks Paint.

did you pay by DD? i always paid over the counter by cash so i have no record. i will just send the non-compliance letter at the weekend.

[digger80]

i thought they had 14 days to respond to acknowledge the request and then 40 days from date of letter to respond?

[glav]

Digger

 

I sent SAR on two occasions for my account and for my husband's. Did not get acknowlegdement letter on either request. Just had to wait it out, my statements arrived around day 25, my husband's around day 35.

 

glav:)

[digger80]

Digger

 

I sent S.A.R - (Subject Access Request) on two occasions for my account and for my husband's. Did not get acknowlegdement letter on either request. Just had to wait it out, my statements arrived around day 25, my husband's around day 35.

 

glav:)

 

 

thanks .

 

Why does it always seem like its forever waiting?

[Paintball]

thanks Paint.

did you pay by DD? i always paid over the counter by cash so i have no record. i will just send the non-compliance letter at the weekend.

 

The transactions were showing on my bank statements so must have been DDs ...

[Paintball]

i thought they had 14 days to respond to acknowledge the request and then 40 days from date of letter to respond?

 

 

Digger

 

They have 40 days from receipt of your letter (always use recorded delivery and you see on Royal Mail website when letter was delivered), this is one or two days after your posting it.

 

Prelim letter gives them 14 days, same with LBA.

 

Please read templates and FAQs so that you are fully informed.

[digger80]

i have recieved my statements through today, signed for. did everyone else get signed for delivery?

 

I need to do the next step but cant open the forms.

[ukaviator]

What forms are you looking for?... I have some links below that may work for you.

 

Ukaviator

[digger80]

when i try and open the spreadsheet to put charges on it wont open. i have tried all of them and none of them will work. maybe i havent got the right programmes on here?