had a set-to with capital one after trying to pay an ??11 bill with my debit card.

 

phoned through and got an indian call centre and a bloke who couldn't speak a word of english

 

anyway the bill went on 2 months and up to ??195

 

 

for the last week or 2 they've taken to ringing me at home every hour or so even though i refuse to speak or discuss or give security detail to them.

 

i payed the minimum payment ??195 this morning but they're STILL PHONING

 

is there some way of complaining without complaining to the said company as i'm sure that would be brushed aside

How did the bill get from ??11 to ??195 :-s

 

I'm with Capital One, you need to look at the terms & cons, there are set procedures with complaints, eventually they lead to an obud summit, takes time though.

 

Balance tranfer to M&S More card, 0% for 9 months. I have hopped around CC's for 3 years, paying it off along the way. Paid for new kitchen, landscape garden, M&S are paying for loft conversion paid off in 8 months :D/ nowt on my mortgage :D/ .

How did the bill get from ??11 to ??195 :-s

 

I'm with Capital One, you need to look at the terms & cons, there are set procedures with complaints, eventually they lead to an obud summit, takes time though.

 

Balance tranfer to M&S More card, 0% for 9 months. I have hopped around CC's for 3 years, paying it off along the way. Paid for new kitchen, landscape garden, M&S are paying for loft conversion paid off in 8 months :D/ nowt on my mortgage :D/ .

 

 

late payment charges

How did the bill get from ??11 to ??195 :-s

 

I'm with Capital One, you need to look at the terms & cons, there are set procedures with complaints, eventually they lead to an obud summit, takes time though.

 

Balance tranfer to M&S More card, 0% for 9 months. I have hopped around CC's for 3 years, paying it off along the way. Paid for new kitchen, landscape garden, M&S are paying for loft conversion paid off in 8 months :D/ nowt on my mortgage :D/ .

 

 

late payment charges

 

 

transfer the fucker to M&S and pay it off over 9 months to ease the pain. Complain. You may get your money back.

 

O forgot to mention, M&S balance tranfers are via a call centre in................................ragging india but you can do via post. Don;t know what worse Royal Mail or Call centre in India.

 

"Mr Bear, and how may I be helping you today sir?"

 

Or

 

"where is the bloody B on the keyboard"

just got my barclaycard

 

limit ??3,500

 

 

oh dear

had the same problem with my capital one card so ditched it... they offered to refund all my late payements when i canceled it.

 

 

only card ive ever had problems with..

had a set-to with capital one after trying to pay an ??11 bill with my debit card.

 

phoned through and got an indian call centre and a bloke who couldn't speak a word of english

 

anyway the bill went on 2 months and up to ??195

 

 

for the last week or 2 they've taken to ringing me at home every hour or so even though i refuse to speak or discuss or give security detail to them.

 

i payed the minimum payment ??195 this morning but they're STILL PHONING

 

is there some way of complaining without complaining to the said company as i'm sure that would be brushed aside

 

I work for a bank mate so I have some advice for you. The banks now have to log complaints strictly under terms set by The Financial Services Act(FSA). If they don't then they can receive massive fines and even lose their licence to lend money. Quote this act and tell them if they don't sort out your complaint you will seek legal advice. If you tried to pay the bill with your debit card and they refused then they cannot charge you late payment fees so demand they get refunded. Hope this helps pal.

had a set-to with capital one after trying to pay an ??11 bill with my debit card.

 

phoned through and got an indian call centre and a bloke who couldn't speak a word of english

 

anyway the bill went on 2 months and up to ??195

 

 

for the last week or 2 they've taken to ringing me at home every hour or so even though i refuse to speak or discuss or give security detail to them.

 

i payed the minimum payment ??195 this morning but they're STILL PHONING

 

is there some way of complaining without complaining to the said company as i'm sure that would be brushed aside

 

I work for a bank mate so I have some advice for you. The banks now have to log complaints strictly under terms set by The Financial Services Act(FSA). If they don't then they can receive massive fines and even lose their licence to lend money. Quote this act and tell them if they don't sort out your complaint you will seek legal advice. If you tried to pay the bill with your debit card and they refused then they cannot charge you late payment fees so demand they get refunded. Hope this helps pal.

 

 

or he could go to head office and eat em all 8-[

 

i think JO's advice is probably the better option

I've never ever paid a late fee

 

Ask to speak the manager and keep escalating it until the charge is removed

 

It won't get to Directoral level as it costs too much for customers to speak to Directors

 

I once set up a team of people to deal with such complaints with the biggest retail company in Europe so just keep complaining

had a set-to with capital one after trying to pay an ??11 bill with my debit card.

 

is there some way of complaining without complaining to the said company as i'm sure that would be brushed aside

 

The most important thing is that you get all the charges refunded.

You need to complain to Capital One not anyone else. Phone them when you haven't been boozing and try not to kick off too much, this way you can tell them that you are not happy with the service and explain why you haven't wanted to speak to them and you feel like switching to another company.

There is a good chance that you will get all your charges money back. About 4 or 5 days later someone from customer care will phone you back to ask you to give them marks out of ten for a number of different things e.g. politeness, did you get understood, were you pleased with the result, would you recommend us etc.

 

do it now

zozzy

billy you will have a pm from an ex bank manager in next 5 mins.

 

 

didn't need much help with said credit card sat nite did you :D/ :D/