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Everything posted by joox

  1. Still adding the PPI charges to the CIS sheet. do i add interest rate in cell 15D its seems its just adding all the charges at the moment Thanks, for the help and sorry about all the questions but there are no guides to fill out this sheet
  2. so how do they work out the final payment if the avg payment is around £7 ?
  3. Have been going through the statements and finding the avg charge per month to around £7. does this work out the payout would be around £1500 max if they accept to repay? Based on under 13 year and 8% interest per year.
  4. yes it is once i have all the ppi payments, what do i do?
  5. Would appreciate a quick guide on what steps to take in getting back to Capital One 1. record all PPI payments from the statements. Then what? Esalte the company to Financial Ombudsman Services?
  6. Ok we know there was a ppi agreement in place and Capital One refused the claim. Also, they mentioned they lost the phone conversation for the application. What steps do we need to take now? record all ppi payments
  7. What should we be looking out for? there are about 500 pages !!!!
  8. We have just received the SAR from capital one today. What info do I need t look for?
  9. thanks. so how far down this process will they cancel the plevin payment?
  10. Will be sending off the SAR request this week. Have read the SAR thread but just to double check, does request SAR effect the current plevin payment offer at any point?
  11. Right so if she does request SAR, how long does it take to have the info and how far down the process will the plevin payment offer expire? also what information on the SAR can effect the process?
  12. Not looking for both! just asking to see if its worth not taking plevin and going for the full PPI repayment instead. And what happens if she accepts the plevin and then still pushes on for the PPI. Based on their reply, what exactly proves it was not mis-sold? just confirming the fact she was working and aged over 16? what about all the sales pitch she must have received.
  13. Plevin. When you apply for the PPI refund on Capital One site, I think its somehow monitored or connected to Resolver.
  14. My partner finally decided to claim her Capital One credit card PPI. The card was issued in 2003 which was more or less when PPI was introduced I believe with a avg credit amount of £500. About 2 weeks ago she made a claim using the Capital one/resolver online application. The original card application was completed on the phone and her complaint was it was not fully explained to her what PPI was and why she should be accepting. Within a week she received a reply stating she was not eligible for a PPI reclaim due to the following reason: aged 16-64 Employed and paying class 1 NAT INS Living in UK Based on the above we are confident the PPI was not mis-sold !!! They confirm it was sold on a telephone application which they do not have the recording ! How is this confirming that it was not mis-sold ? They have however agreed to just over £1200 as a result of redress scheme which was introduced in 2014 re a high commission rate which is unfair to the consumer under the CCA 1974. Not sure how to work out the PPI as not much statements are available. Given the above info, what would be the best course of action? Thanks in advance
  15. the date of contravention was the 2nd June 2018. I appealed against this PCN online from their website. can't find my v5 and can't see the box on a copy I have. I called the council and initially, they told me to contact the bailiffs as the case is now with them. I insisted to talk to someone from the council and they gave me a council liaison number which I have to call back tomorrow
  16. I have read the thread, but that was a mistake on change of address from their side. can't see how it helps my situation. Will can the council on Monday morning to see what option I have but I doubt they will offer any solutions. Who do I have to get involved as help, my MP or the borough which the PCN was issued?
  17. haven't moved ! i didn't hear anything so i decided not to chase it. - - - Updated - - - called JBW
  18. I received a letter dated 26/01 for an amount of £203. only received this letter on Wednesday. I did not have a chance to respond and was on my list of things to do for today. Unfortunately, I was unlucky and they already clamped me this morning at 8 am and I had to pay £438. The enforcement agent told me there is a time limit and the car will be towed away ( he mentioned 2 hours) had no other choice at the time as it was my first time being clamped. He also mentioned there was a hand-delivered letter on the 5th Feb to my address warning me about the charges and possible action which I never received either. I also learned they will only clamp your car around CCTV so they monitor any fiddling with the clamp and the chain.
  19. Saw my car with a clamp on it this morning and found out it was due for non payment of a PCN which I appealed against. Now i never received the council's response to my appeal and the only letter i recently received was on the Wednesday ( which i was told by the enforcement office, was hand delivered! which I think was posted via royal mail) The letter from the bailiffs stated i owe £200 as the for the PCN and court an legal fee due immediately. I was actually going to response to their letter today, but then saw the car clamped and i was charged £438 which had to be paid within 2 hours otherwise it would have been towed away at an additional charge. Had no choice but to pay and now am fuming over this ridicules fee which i cannot afford at the moment. Apparently once it goes to court, I don't get the court's decision and goes straight to a bailiff. Would appreciate advise on how i can take some of the charges back.
  20. thanks..Just wanted to know a ball park figure from the other refunds. Will try to read through all the paper work and try to work out. I was hoping for slightly more round number but i will probably accept their offer.
  21. ok so I have back and they have made an offer. my loan was around £3500 over 6 years ago. what amount would be reasonable ad acceptable in your opinion?
  22. I returned the Halifax PPI form about a months ago and recently received a phone call which pretty much asked the same questions. I was told I will receive a letter soon with their decision. have not heard anything. how long does this process normally take?
  23. I was going to to mention this but cant remember if i was sent full terms of the PPI and cancellation policy along with the loan. I don't want to mess things up. and what does it matter how the loan was used ?
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