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)

+ Reply to Thread
Results 1 to 8 of 8
  1. #1
    Basic Account Holder elizabeth25 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    Posts
    6

    Default Capital bank PLC Credit Care PPI

    I took out a loan in 1999 with credit care and paid loan back early and had to pay back £3000 on top of loan as told PPIicon was a lump sum.

    can anyone suggest any action i could take. i have credit agreement here that i can scan and post.

    it says advance: A £ xxxxx

    credit care B £xxxxx
    C £
    loan (a + b + C) d £xxxxx
    total charge for credit e £ xxxx
    total amount payable (d + e) F £xxxxx

    the total amount payable (F) is payable by consequetive monthly installments as follows........

    apr 12.8


    you agree to pay the BLANK premium of £ BLANK which will be added.....


  2. #2
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
    Posts
    69,712

    Default Re: Capital bank PLC Credit Care PPI

    you would need to prove the ppi was mis-soldicon, or have a look at the multiple agreements thread .

    there are some good threads and things in the stickies to try and work this out.

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
    RIP Martin3030
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder elizabeth25 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    Posts
    6

    Default Re: Capital bank PLC Credit Care PPI

    can someone give me an easy way to get a pic of my copy of the doc onto this forum?


  4. #4
    Basic Account Holder elizabeth25 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    Posts
    6

    Default Re: Capital bank PLC Credit Care PPI

    http://i134.photobucket.com/albums/q...hes/img015.jpg

    http://i134.photobucket.com/albums/q...hes/img016.jpg

    Could someone please let me know what they think of the agreement. its my copy of the agreement do i need the one from them?

    does anyone have an address for capital bank PLC?

    what would i send first?

    Follows
    0
    Following
    0

  5. #5
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2006
    I am in
    Cumbria
    Posts
    4,650

    Default Re: Capital bank PLC Credit Care PPI

    Hello elizabeth,

    Firstly I believe your Agreement my be flawed as it does not effectively distinguish between the loan and the creditcare (PPI) cover I believe the payments for the loan and the credit care should be shown separately on the agreement ie monthly payments of £xxx for loan and £xxx for creditcare.

    have a look here for more help..
    Multiple agreements falling within section 18 CCA 1974

    The company address is in the second of your photobucketicon links.
    http://i134.photobucket.com/albums/q...hes/img016.jpg

    It looks like a chester address I have done a search in the Companies House site and the FSA Register but only one company came up and it was not in chester.

    Your loan agreement was 1999 so you will need to have a look at this on claiming mis-soldicon PPI providing you can pin down the company. They may no longer exist

    For claims before 2005 and the FSA ruling from which campaign
    How to tell if you’ve been mis-sold PPI

    Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

    Here is some information on credit care..

    Name & Registered Office:
    CREDITCARE LIMITED
    177 MELTON ROAD
    WEST BRIDGFORD
    NOTTINGHAM
    NG2 6JL
    Company No. 02255549


    Status: Active
    Date of Incorporation: 10/05/1988

    Country of Origin: United Kingdom

    If you could post the full address and company number at the top the agreement I can be certain to put in the correct information to search again.

    or you can have search yourself in here...
    Companies House

    and here..
    FSA Register

    hope this helps

    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
    Follows
    0
    Following
    0

  6. #6
    Basic Account Holder elizabeth25 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    Posts
    6

    Default Re: Capital bank PLC Credit Care PPI

    Hi

    I have an update. They wrote back saying they dont have to provide a copy of the credit agreement. I obviously have one anyhow.

    How do you suggest I now proceed. What happened was I paid off the loan early but lost the full PPIicon amount as they said non was refundable. I have looked at the spreadsheets on the PPI info but can not work out how to fill it in. Appreciate anyones help.

    I have posted the agreement on here in a previous post.

    Thanks


  7. #7
    Basic Account Holder elizabeth25 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    Posts
    6

    Default Re: Capital bank PLC Credit Care PPI

    Sorry, a further question. I have drafted a letter saying that they have not distinguished between the amount payable each month for the loan and for the ppi. i also said the policy was missoldicon and I was not informed that if I paid the loan back early I would forfeit the whole policy sum. anything else to add?

    also do i claim against capital bank who had loan with or credit care? many thanks.


  8. #8
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative pompeyfaith Authoritative

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2007
    I am in
    Where the ball did not cross the line
    Posts
    5,400

    Default Re: Capital bank PLC Credit Care PPI

    Hiya Elizabeth,

    I can do the calculations for you and email the Excel Spreadsheet to you, but you have hidden the dates and figures on the agreement above.

    Regards

    PF



Viewing CAG on a small screen? Switch to the mobile version of the site

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