Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
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    Default Pathetic Goodwill Gesture from Capital One for PPI

    In May I sent a letter to capital one complaining about PPIicon on an old credit card I had with them about 12 years ago. I then sent a SARicon to them at the end of May (should have done this first but didn't know).


    I spoke to them on the phone today and they have advised that they have looked at my case and are making me a goodwill gestureicon of 10. I am not sure what to do at this point as I am sure the card had a limit of several 1000 and at the time I would have used it a lot so I suspect I am just being fobbed off.


    Unfortunately I don't have any documentation on this card but will hopefully get more info when I get the info from my SAR.


    I will recieve a letter from them in the next few days with this offer in writing. I am not sure what to do at this point. Can I ask them to send me a breakdown of how the came to this figure or good will gesture?


    It is obviously not a lot of money so I could also just wait for the sar then refer it on to the fosicon if I think they are trying to pull a fast one.


    Ideally would be best to have the SAR before I decide either way so will perhaps try the tactic of asking for a breakdown.


    What would be my best option at this point?


  2. #2
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    Welcome to CAGicon

    Wait for your DSAR...then submit a full claim on your findings.


    Andy

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  3. #3
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    Thanks Andy, can I do this though? I thought once I made a complaint, they investigated it and made an offer that was it and all I could do next would be to go to the fosicon? Can I make a new claim when I have new information from the DSAR?


  4. #4
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    Well your not accepting their response.....of course you can submit a claim..either through the fosicon or yourself direct

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  5. #5
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    I will wait and see what the letter says, how it is worded and take it from there. Hopefully my SARicon info will come soon!


  6. #6
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    I recieved the SARicon today and it appears I was wrong, the credit limit of the Capital One card was only 200 and I did not use it much at all so the one with the higher limit must have been another card which I am still waiting for SAR info on.


    According to the SAR info I only ever paid, about 5 in PPIicon so 8 % of that over 16 years would work out to about 10 in total (Inc the PPI payments I made), does this seem right?


    Thanks for the advice!


  7. #7
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    their int rate not 8%

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  8. #8
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    Thanks dx100uk. I always heard the interest rate was 8% for PPIicon Payouts.



    The Card Interest per Annum was 20.00% and the APR was 39.0% so does that mean that I ought to get at least 20% or 39.0% of 5 x 16 (years)? So I should be getting 21 or 37?


  9. #9
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    Default Re: Pathetic Goodwill Gesture from Capital One for PPI

    the PPIicon sums you paid each month were charged interest at THEIR RATE compounded [30.9]
    until either the card entered a credit situation or you closed the account whereby their int stop
    FROM THAT DATE you are entitled to 8% simple interest

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