I have been with capital one credit card for about 10years in the last year i went over my limit by 2 pounds and obviously got charged. As they stopped sending me statements this amount accumulated as i kept up my normal monthly payments (which were not enough). I requested that the charges be taken off my account which they declined. In the meantime i lost my job and was on benefits sent them covering letter with income and expenditure form with offer of payment. which thery declined and kept piling on the charges. they have passed the debt... read full review »