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 !!!!

So its registered before the deadline

Just checking to see if we can still complain to the FO once the deadline has passed.

what about the deadline ?

Just an update ! i sent off the letter on the 1 August but no news from Capital One. What should i do ?send the letter to FO as well?

Thank you will send off today. I have a feeling they have made a mistake on the PPI activation date on their letter.

Im sure the call was recorded ! She was give the Capital One Relation Complaints PPI Capital One Nottingham NG2 3HX May be they got the activation date wrong

Just called Capital One and she was told the account was opened on the 24/11/2003 that's the date on their system. Also, initially thought the application was made online back in 2003 not sure we had access to online applications back then but it seems it was done over the phone. Not very clear on details from their side. On the logs, it states it was accepted on the 11/11/2003 and the application starting date is the 13/10/2003. The customer service person said there seems to a discrepancy with the dates regarding PPI and has provided an address to write to find out why the dates differ !!!

The card application date is unknown and have to double check as the earliest date on the SAR is 13/10/2003 She does not remember how the initial application was filled out or made. Should this be on the SAR? From their letter, The PPI was sold over the phone on the 13/10/2003 " when we were contacted to activate the card " so the application date is not clear here.

So what would be the best way to word this ?

Good observation. Will it be a good idea to go back to them about this or just complain direct FO ?