i was just refused credit. i checked my credit file. i used to have a capital one credit card, they accidentally put a default on my account several years ago. the last time i spoke to them was july 2005. they apologised and said the credit records would be updated. i didnt think about it again. however i%26#039;ve just seen all they have done is changed the delinquent date to 30th december 1899.(108 years ago). the default date is still 2004, so the default remains current. i have notified them, and they are working on it now. my question is, what are my losses / damages? it is the only default on my file. otherwise i have good credit, which is why i was suprised when i was just refused credit. is this corporate negligence? i have probably been paying high apr%26#039;s on my car finance, credit cards etc. because of this. any input gratefully accepted. are there any other consequences because of this?
Capital One bank- need help on claim for compensation?
You need to contact the financial ombudsman. Send capital one a letter advising that unless this matter is resolved within 14 days then you will take further action, copy the letter to the ombudsman. They will then investigate on your behalf
Capital One bank- need help on claim for compensation?
well worth further investigation,i would definately find out more and ask for compensation
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