Can anyone answer this for me, I completed a f&f IVA Sept 07 so in my wisdom decided to write to all our credit card companies and our old bank to make a request to reclaim credit card charges, first direct have been marvellous and sent a cheque to me within 5 days, however Capital One has not, I received a letter yesterday stating that on their calculations they owed me £176 which was great!! but they have credited the monies back to my credit card account, which I found out is still active, after telephoning them I had to input my 16 digit account number and DOB, the automated system told me that the account balance was £588 and credit available was £411, now according to my paperwork from the IVA supervisors I paid 40p/£ to my creditors so Capital One received a cheque for £511.14 back in Sept, shouldn't this account now be de-activated and the remaining debt owed to them written off, I spoke to a customer service advisor bless him who didn't even know what an IVA was!!, I'm a bit peeved to say the least that they have done this, when no other company I was with has, so I put finger to computer keyboard and compiled a letter again, awaiting reply. Any answers????
