Hello - I took out an unsecured start up business loan back in 2019, I was given 6 months payment holiday due to covid and the loan was transferred to another lender/company with around £15 K outstanding in 2021. I have been paying it off and i now have balance of around £1,200 remaining. What i have noticed is that the loan does not appear on my credit file and i have checked with the lender and they confirmed that it has not been passed on or reported to any credit agencies as the loan was transferred from a different lender with no agreements signed with the new company. I did ask for another payment holiday and was refused my question is can I reduce the monthly payments or take another 2 to 3 months payment holidays since the loan is not reflected on my credit file and wont effect my score or missed payments? Thank you.

Am i able to get claim back any of this amount?

£438 is a lot fo money and seems very unfair for a parking ticket and also use of private bailiff company to claim my car and demand the money within hours.

I was just asking if its still possible to claim back the excessive clamping charges after 4 years.

JDW Car clamped for non payment of PCN

Hello, Is it possible to claim back excessive bailiff and clamping fees from 4 years back from a unpaid PCN and if so what is the best way ? Thank you.

Yes Thanks will send this letter.

Update FOS have responded with the following: since it has been more than 6 months since our original complaint to Capital One, they are unable to help. We were not aware there was a time limit. also Capital took a long time trying to respond to our complaint and still have not provided clear answers. What are the options now?

Update: Capital one have reject the claim again and is now being dealt by the FOS

Update: They have sent 3 letters. 1: They have made their final decision and we have to complain to the FOS 2. Requesting more info in order to investigate the case further. 3. Saying their last letter was a mistake and they have concluded their investigation and stick to their final decision back in February and will not be paying out for any PPI premiums. All correspondence now going the FOS for them to investigate.

Already have appealed through FOS. I wonder what other info they require ? One more thing to add. is it possible to ask for the phone conversations made to Capital Once since the complaint started ?

Update= Since our last letter dated 30 July, Followed by a call on the 28 Aug chasing updates from them. We heard nothing until today. Their letter states the following: "We have been unable to complete our investigations within the original time frames stated on the acknowledgment dated 31 July due to us not having received the requested information to enable us to respond to the complaint" And later they say since its been over 8 weeks, we can now refer to FOS but its advisable for them to complete the investigation first but we need to submit the requested info before they can do so! Never received any other letter from them and not sure what information they need. They also acknowledged receiving the letter dated 31 July on the phone but no direct response in writing.

We actually made a last minute complaint to FO on the deadline just in case. haven't heard from either !

Just an update. Still have not heard anything back from Capital One!

Made a follow up call today and was told they have already made their final decision on the PPI and we can escalate the matter further by complaining to the FO !!!!