Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 8th January 2009 20:39 #1
    jendoc jendoc is offline
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    Default Capital One PPI ......my next step?

    Can someone please give me some advice as to my next step in trying to get back my PPIicon payments from Capital Oneicon. After my initial letter and spreadsheet demanding the refund of these charges Capital One sent me this letter:

    http://i407.photobucket.com/albums/pp154/jendoc1753/img302-1.jpg

    http://i407.photobucket.com/albums/pp154/jendoc1753/img303-1.jpg

    How should I respond to this letter?

    Jendoc


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  2. 8th January 2009 21:39 #2
    pinknico pinknico is offline
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    Default Re: Capital One PPI ......my next step?

    How were you mis sold? And what year?
    I was sent the exact same letter and I currently have complaints for charges and PPIicon with the fosicon.

    Any opinion I give is my own and given without

    any liability.
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  3. 8th January 2009 22:09 #3
    jendoc jendoc is offline
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    Default Re: Capital One PPI ......my next step?

    2004 to 2007......I had two life long handicaps that were never enquired about and I had recently lost my job just a few weeks before. So it would have been near impossible to make a claim for any circumstances arising from illness/disability or unemployment. I was never told I could find this type of cover at a more competative rate elswhere if I looked around!

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  4. 9th January 2009 07:33 #4
    pinknico pinknico is offline
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    Default Re: Capital One PPI ......my next step?

    I am assuming that you told them this in your first letter, so I suggest you write back and say that you are not happy with the response and repeat why the PPIicon was not suitable ,so could not have been sold properly.
    Remind them that if you are not happy with their next reply you will be going to the fosicon.
    You can take the complaint to the FOS 8 weeks from your first letter or when Capital Oneicon give their final response.

    Any opinion I give is my own and given without

    any liability.
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  5. 9th January 2009 22:01 #5
    pompeyfaith pompeyfaith is offline
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    Default Re: Capital One PPI ......my next step?

    Did they send you a needs and assessment questionnaire to fill in so they could ascertain the suitability of the product they where selling you if not you should include this in your next letter.

    Regards

    Pompeyfaith

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  6. 10th January 2009 17:22 #6
    jendoc jendoc is offline
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    Default Re: Capital One PPI ......my next step?

    Many Thanks, I will act on all your advice... it is much appreciated.

    Jendoc

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  7. 13th January 2009 22:43 #7
    oggy1 oggy1 is offline
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    Default Re: Capital One PPI ......my next step?

    hi jendoc
    you have not indicated wether you have a copy of your application and copies of the insurance etc, cap1 will say anything just to delay and will only comply if they have to,
    have you done a data protection request and demand transcripts of all the calls etc.
    you will need every bit of information if you are going to win.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE