Capital On Being Uncooperative

[Spellkaster]

I would like some help please with my credit card provider Capital One.

Out of my 6 creditors, Capital One are the only one who is being uncooperative in request for a debt write off.

I owe £400 across 2 credit cards with them.

Last year I made a formal complaint in writing in August 2017 I had their final response.

In this, they admitted in writing that they did not do a creditworthiness assessment because they felt one wasn't needed.

At the time of the giving me 2 credit cards, I had 4 creditors, and I owed well over £10K in debt.

How is this responsible and surely a breach of guidelness under chapter 5.2.2 of the FCA they do have to undertake a creditworthiness assessment!?

They are so far still refusing to write off this small amount of monies, even though I have provided a detail income and expenditure sheet.

I'm banging my head against a brick wall.

Any advice on this creditor who is being clearly uncooperative?

[jaguarsuk]

If you have had their final response then you should complain to the Financial Ombudsman Service.

[Spellkaster]

If you have had their final response then you should complain to the Financial Ombudsman Service.

Their final response was dated August 2017.

Is it too late to go to them with it!?

[Kati]

Their final response was dated August 2017.

Is it too late to go to them with it!?

The way I understand it is that you have 6mths from the company's final response to complain to the FOS - http://www.financial-ombudsman.org.u...volved_a7.html - although they will look at out-of-time complaints if the business agrees