Capital One are at it again in the UK.

Are you getting a letter from Captial One stating that you are in arrears in your account?

This may come as a surprise to some of us because for one reason or another our accounts never actually reached the stage of becoming a full credit card account,which to me means that the account was never opened.

I had the same letter about 2 or 3 months ago, I phoned them up immediately and asked them what was going on? They told me that all of the people in this category had accidentally made their way on the main mailing list and told me to ignore the letter it was being sorted.

Well it seems that this isn’t the case, I’m not going to phone them this time, I am just going to ignore the letter as advised the first time I had received such a letter. If it does escalate any further then I will be calling them.

It has also got me thinking, if you’ve never opened your credit card account, why do they have an account number and still have your details on their systems? Is it some sort of mandatory regulation they have to comply with, let me know in the comments.

Has anyone else received such a letter? Again let me know in the comments.