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.
I would appreciate any guidance from others with experience of claiming back PPI from Capital One.
Having written for CCA going back to April this year and still waiting for it, I did SAR and have spent the last 2 nights working out how much I have paid for PPI.
In excess of 900 pounds (why won't my pound sign work?)
WOW, quite a shock, so now of course wondering whether a claim might be worth doing. They state in their response letter to the SAR that they have my written request for this insurance but have only produced an acceptance form dated four months after the card was taken out. This form clearly states that T & C's will be sent out AFTER my application is processed.
Information within the SAR shows that I declined PPI at the application stage and I am at a loss to know why I would have applied for it afterwards as I had no employment concerns (still in the same place now) and would be in receipt of sick pay should that scenario arise.
Will start reading thread on here but any help greatly appreciated
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,092
Re: PPI claim - Capital 1
dont believe a word they say or write
cap1 will do ANYTHING to wriggle out.
go ahead with your claim, don't forget you can add THEIR interest rate from the time of the PPI charge date to the date of your claim AND you can add 8% stat int for the same time period.
IGNORE everything they write back and say , involke their complaints procedure, wait for a letter that says 'this is our final response, then fill out the fos PPI complaint form.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?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.
rather than hittting to be my friend - hit the star
dont believe a word they say or write
cap1 will do ANYTHING to wriggle out.
go ahead with your claim, don't forget you can add THEIR interest rate from the time of the PPI charge date to the date of your claim AND you can add 8% stat int for the same time period.
IGNORE everything they write back and say , involke their complaints procedure, wait for a letter that says 'this is our final response, then fill out the fos PPI complaint form.
dx
This is good advice. I submitted a claim and they made an offer but the offer was refused and a complaint submitted to the FOS
Not sure what the outcome willl be but Capital One should have been more receptive to the claim The claim is now with the FOS
Tough titty for Cap 1
Unless of course the claim fails
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.
Thanks for posting, I have just read your Cap 1 thread and guess you have not had a response from fos yet, good luck.
I have every intention of putting in a claim for this but I just cannot get my head round the calculators.............. ..... yet!
I too have the Cap 1 statements from SAR but as the interest has increased so much over the years and the balance has been reduced to zero a couple of times, just at a bit of a loss where to start
Well I guess proving that it was 'mis sold' is the question.
Thinking along the lines of writing to them advising I am considering a PPI claim as they have not produced my 'written request' for it in response to my SAR, the full amount of the claim being £900+, this is without interest, which can be added amounting to XXX (still to work out the figures), they have also added excessive charges totalling £388 of which £108 has been added whilst the account is in dispute, so I expect a refund of XYZ. With interest added of 8%, this will probably reach the balance due on this card and would get one out of the way at least.
7. Thinking of a Full & Final Settlement?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.
rather than hittting to be my friend - hit the star
7. Thinking of a Full & Final Settlement?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.
rather than hittting to be my friend - hit the star
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,092
Re: PPI claim - Capital 1
what do you mean, contradicting the situation?
if you mean you are refusing to pay because you think the CCA is unenforceable, so how can you now reclaim PPI...game.?????????
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?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.
rather than hittting to be my friend - hit the star
I, like many others looking for help and advice on here, have paid their way for many years without question and then find that the CCC's increase the rates extortionately and if your circumstances change it becomes an intolerable situation. I ultimately wanted to try and arrange F & F's when I originally came to CAG for help and the advice is, get CCA first and go from there, which is what I am trying to do.
Having SAR'd cap one, a computer print out states that at the time of the application, PPI was NOT requested and if you see my other posts, I cannot for any reason believe that I wrote to them requesting it, four months later! Hence me looking at a possible re-claim.
Having read lots of threads, I simply asked what I think is a reasonable question, you can't have your cake and eat it IMO
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,092
Re: PPI claim - Capital 1
no i didn't mean 'you' playing games dear, i mean't them. silly.
what are worried about? that you think you cannot reclaim PPI when you have put the A/C into dispute?
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?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.
rather than hittting to be my friend - hit the star
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,092
Re: PPI claim - Capital 1
it matters not you have PAID the PPI premuims & they charged you on those payments at THEIR interest rate too so get your hard earned cashback.
you have also been deprived of that cash from the date[s] you paid it, so you also deserve interest back on top of that [stat 8%] to reimburse you your loss .
i dont use the spreadsheet so i cant help, i dont understand them.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?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.
rather than hittting to be my friend - hit the star
Would really appreciate an input from someone who has used this simple calculator, just to ensure I have done this right before I go any further please.
ickle bit late now Dotty.....but one of the guys will no doubt be here in morning.
Its flagged for site team.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
PPI claim - Capital 1
forum!
Reply With Quote
Originally Posted by dx100uk
Hope I am forgiven!
