Thread: Drew c Captial One PPI

I have come across something very interesting, and would welcome your thoughts

I have just been through all my statements from when I took out my Capital One credit card.

when I have gone through them all and entered all payments into a spreadsheet. I have noticed that they had suddenly stopped taking payments in March of this year. Now I cannot remember telling them or asking for any kind of PPI. but they have taken payments up too February this year.

Now what is going on here

your comments and thoughts please

I have checked through 5 years of statemaents and for that they never took payments in the following years

2003 didnt take payments for March and December
2006 didnt take payments for August
2007 didnt take payments for March, April, May, June,

not seen July's statement yet,

would they in breach, me thinks so, as its up to them to take payments

do i use the interest as 34.9% as normal when trying to claim these back

anyone know where to send my CCA request too

do you think with them not taking any payments since February has got anything to do with this article

http://www.fsa.gov.uk/pubs/final/capital_15feb07.pdf

There is definately something going on here. I was sent a leaflet and letter stating that my current PPI insurance is going to be free in the future.. I think they know what's coming.

question is if they can just take payments when they wish and stop when they want. Do I have a case to claim it back

ukaviator, would the correct interest rate be as my other claim 34.9%

do you think i should just send the letter off requesting ones money back with the interest

please can someone tell me the correct address to send my CCA Request too

just phoned cap one up to find my APR they informed me it is 22.13
strange rate, cannot see it being offered currently on any of their cards

will be send off my CCA request first thing monday, do I also have to ask to see my PPI agreement too

this what I propose sending them, asking for my CCA & PPI agreements.

your comments welcomed before I send it, does it cover everything, or should there be more


My Address
Obviously



Legal Compliance Specialist
Capital One Bank (Europe) plc
Trent House
Station street
Nottingham
NG2 3HX

30th July 2007

Dear Sir/Madam

ACCOUNT NUMBER: 1234 5678 1234 5678


With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement and also my copy of the Payment Protection Insurance agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully








Andrew Ford

This is the reply i got from Capital One with regards my PPI.

they are saying i actually applied for it online when i opened my account with them, yet they havent sent me any proof of me asking for it, if this is the case, then why did they suddenly stop taking payments form me earlier this year.

bump

really need urgent help on this one now, please

I am planning on sending this letter, your thoughts would be welcomed.

letter before action


Dear Sir/Madam,

ACCOUNT NUMBER: 1234567890
My thanks for your letter dated 12th September 2007 regarding my claim for a refund on my Payment Protection Payments made to Capital One.

I once again stress that, I have no knowledge of signing any document regarding payment protection. If this was the case and I had requested payment protection, then why did you cease taking payments in February of this year (2007).

I am therefore once again requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act.

I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then, I request my money back - £273.39p , I also wish to claim interest of £229.34p making a total of £502.73p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 14 days otherwise I will have no alternative but to pursue this matter through county court.

yours faithfully,

Hi all,
just had a response to my lba from Crap One
and suprise suprise, a rejection letter telling me they did everything correctly. Can this be true, i am pretty sure I never ticked any boxes or signed anything agreeing to this.

please what should i do now

Andy, did you ask for the original agreement, ask for a CCA?.. This would show if you did tick the box on the form.

it was an online application, I have requested a CCA a while ago and there was no mention of it, they only sent me a copy of a signature strip signed by me. They havent sent any documentation in relationship to my PPI