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.
Since having my crap one credit card back in 2005, I have had around £50 of PPI charges added to my account.
I have been told that I should try and claim these back as they are asking for £300 balance to be paid and this is made up of total charges, and in fact they owe me money!
How would I go about claiming back the PPI? Is there a letter template to use that I could send please?
Since having my crap one credit card back in 2005, I have had around £50 of PPI charges added to my account.
I have been told that I should try and claim these back as they are asking for £300 balance to be paid and this is made up of total charges, and in fact they owe me money!
How would I go about claiming back the PPI? Is there a letter template to use that I could send please?
The fee is £10.00 but ask for every little bit of data. You should perhaps look here first to decide if you have a case for capone mis-selling (nearly everyone does have a case) but please read first.
Long thread but worth a read to help you on the road to get your cash back.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
That's great thanks, - I will take a look. However, have already sent the initial letter two days ago so will see what happens before I need to take the next steps.
claimed 1600 from Capital One,hey said no chance..
Told them I would take them to court o they offered 860
Turned it down but they did not improve offer.
Accepted the 800 to pay for my holiday
claimed 1600 from Capital One,hey said no chance..
Told them I would take them to court o they offered 860
Turned it down but they did not improve offer.
Accepted the 800 to pay for my holiday
That's great news, I haven't heard anything back yet with regards to an offer, but they seem so take weeks to reply to any letter.
If I got that I would be well chuffed. Seems they offered you half of what you are clamining, I wonder if they will do that with me!
claimed 1600 from Capital One,hey said no chance..
Told them I would take them to court o they offered 860
Turned it down but they did not improve offer.
Accepted the 800 to pay for my holiday
They love people like you
Jogs
Blackhorse Finance : Isssued court papers for £3400 and return of car, settled for £1000
Lloyds TSB : SAR request taken all the way to Court, Damages awarded.
Lloyds TSB PPI : FOS found in my favour, awaiting settlement figure.
Capital ONE : Issued Court papers, refund of £635.38
Barclaycard : Refund of charges £456.16
I have just had an offer of £330 from them which like you is just under half of what i'm claiming, sent them a rejection of offer letter, just waiting to hear back.
My PPI amount was small aswell £50 odd pounds, today after just one letter from me they have offered me all of my PPI back but only a flat 8% interest on top. Im not sure what to do they saying they are going to credit the refund to my account, not sure if I can go after CI interest alone.
I have today received a letter refunding the FULL PPI of £51.17 plus associated interest of £4.09 - this has already been refunded apparently - still lives a £300 + balance though of charges!
I have today received a letter refunding the FULL PPI of £51.17 plus associated interest of £4.09 - this has already been refunded apparently - still lives a £300 + balance though of charges!
A success even though small is still a success but I would make sure you check the statments to see the refund has been credited to your account
Check everything but it is money back to you which is good
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I have just had an offer of £330 from them which like you is just under half of what i'm claiming, sent them a rejection of offer letter, just waiting to hear back.
Good luck all x
Just got second offer, double what they offered first time!
All i need now is for them to pay it straight to me and not take it off my outstanding balance!
Just got second offer, double what they offered first time!
All i need now is for them to pay it straight to me and not take it off my outstanding balance!
Any progress with you?
x
I had my FULL PPI refunded at the first request (apparently) but have yet to receive another of their chaser letters telling me the current balance!
I am now in the process of claiming back my charges, out of the £900 they owe me they offered £138! I have since gone onto www.moneysavingexpert.com and used their calculator to claim interest and it amounts to well over £1,000 so I will be putting a letter together today to get that sorted out.
They tend to put the money onto the account but they "should" send you the remainder via cheque. I cant imagine they will just refund you direct if you still owe them money though
I still have about £3000 outstanding with the DCA, i suppose they are entiltled to take it off the balance, could just really do with the money right now
In fact think i may start my own claim for the charges on the account too. Been too busy concentrating on my PPI claims forgot i could still claim charges on credit cards!
In fact think i may start my own claim for the charges on the account too. Been too busy concentrating on my PPI claims forgot i could still claim charges on credit cards!
All helps towards getting the balance down!
x
How much of your debt is charges?
I have worked out that my charges since 2005 are £856 plus statutory interest takes it to just over a grand - its worth it!
Have just registered online at the MCOL so I can process the claim after the 14 days when they received the letter, hopefully it won't come to this though
I have today received a letter refunding the FULL PPI of £51.17 plus associated interest of £4.09 - this has already been refunded apparently - still lives a £300 + balance though of charges!
If any of you are successful in getting the PPI then PLEASE PLEASE check that its been refunded.
I have telephoned them today and they offered the refund on 3rd April and its hasnt been done! Apparently, it will show close of business tomorrow so will be ringing back and checking that as well!
I'm having the same problems with Cap 1
Told they had refunded my account but the next day they "sold" the account to another company. The balance they sold didn't include any refund.
I've been chasing this for nearly a month now.
Anybody any ideas what to do as I could really do with the money in my hand and not theirs.
Capital One - PPI Possible Claim
charges added to my account.
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Originally Posted by BOBLATCHFORD
Re: Capital One - PPI Possible Claim
Re: Capital One - PPI Possible Claim
