Hi, A while ago, for various reasons (including being a doormat and allowing someone to leech off me) I got into credit card debt. Paying it back has been a nightmare. I live frugally and pay as much above the minimum payments as I can afford. The balances are going down, but slowly. It's been stressful and I hate thinking about my debt. My brother has been pushing me to make PPI claims for ages now. (The two worst credit cards are ones I've had for years, and at the time I got each one, the PPI box was pre-ticked and I was told when I phoned to activate each card that it was compulsory). I didn't claim as it seemed like stress and hassle and I figured I wouldn't get anything anyway. My brother has been really pushy, and last week pulled up the Resolver website and pushed me into claiming. So I did. One of those claims was with Capital One. When I made the claims, there were separate forms for Plevin claims and traditional claims. My brother told me to make standard/traditional claims, and said Plevin should be a last resort if the standard claims were rejected. So in both cases, I didn't claim under Plevin. Capital One have responded already, saying they are writing to me, they hope I am satisfied with the outcome etc. I checked my Capital One account this morning, and there are several debits and credits, each with the word "Plevin" in the description. Adding them up, apparently I am getting a cheque for nearly £2500. I was happy about this - I can make huge overpayments on these two cards, plus keep a little back to tide myself over this month. (Living frugally due to debt feels mentally exhausting, I was depressed about being the shabby aunt who only buys cheap presents and gives handmade gifts, so for once I went a little over budget on Xmas gifts for my nieces and nephews.) I told my brother and he's outraged on my behalf. He says he's annoyed that they've responded as if I'd made a Plevin claim, when I didn't. He says the fact they've coughed up so fast means they know I am entitled to more under a standard claim, and they are just trying to appease me and weasel out of paying the full amount I'm owed. Is he right? I'd assumed that they would have looked at my claim and decided I'm owed nothing, but have then looked at my claim again under the Plevin ruling and paid up there. My brother is convinced this is a "lowball offer" to make me go away, in the hope they won't have to pay out what he says I'm "really owed". Should I accept the Plevin payment and just drop the original claim? Or should I push back? My brother says a standard claim could end up theoretically leaving me with enough money to pay off a big chunk of my debt. He's convinced I'm due more. I have no idea what to do, and no idea how I should proceed. There are template letters for claiming and appealing claims, but not for "well, you've paid me under Plevin but that's not what I claimed for, so please look at my standard claim". Any advice would be much appreciated, as I'm really not sure what I should do. It seems daft to send them this cheque back and potentially end up with nothing, but my brother is convinced I'm owed more, due to being told PPI was a compulsory charge. He thinks Capital One know this and are just trying to appease me. I'm just confused... Many thanks for any advice anyone can offer.

Britain’s banks face the threat of a huge new PPI bill that could add billions of pounds to the £30bn already paid out in compensation, following a court ruling lauded by claims management companies as “hugely significant”. The case opens the door to a renewed claims bonanza as it suggests that even if the PPI policy was not mis-sold, the buyer may still be able to reclaim because the scale of the commissions paid were excessively high. While the ruling does not mean any more cash for people who have already received compensation, it may allow cases that have been rejected to be reconsidered. The ruling is likely to be appealed against but if it stands it presents a fresh PPI nightmare for Britain’s banks, after one claims expert said new payments could run into the tens of billions. Lloyds Bank has so far paid out £18.8bn for mis-sellingicon claims, while Barclays has paid more than £9bn and RBS nearly £5bn. https://www.theguardian.com/money/2018/jul/02/uk-banks-could-face-new-multibillion-pound-claims-after-ppi-ruling

gI have also recently received a letter from MBNA regarding the same thing.g In this letter they say,.. " You could now receive some money back if we took a high level of commission on your PPI policy but did not tell you this when you bought it. A high level of commission typically means it was over half what you paid for the policy. Generally we do not tell PPI customers about our commission at the point of sale, as we were not required to ". Interestingly the reply address they give begins with........MBNA Plevin Proactive. Unlike Welcome they include a form to be completed.

I received a letter dated 5/12/17 from MBNA offering £924.03 minus £184.81 UK Withholding Tax. This was for a PPI undisclosed high commission complaint (PLEVIN) on a very old credit card on which they had refused a PPI repayment as they claimed it was not mid-sold. I am a 70-year old female Pensioner who had a mild stroke last week and do not understand these things, but also do not trust Banks. Is the UK Withholding Tax being paid directly by them to my HMRC 'account' ? Can they be trusted to do this. How can I check that the calculations given are correct? They are: £816.89 Amount of applicable commission and profit share £ 0.00 Total amount of fees refunded £137.20 Amount of historic interest £924.03 Applicable 8% gross interest* -£184.81 Less UK withholding tax* The payment is being paid directly into my Bank Account within 28 days. Any advice will be most helpful.

I had a capital one Platinum card on which i paid PPI - i used the templates from the Martin Lewis pages to complain was rejected on the grounds that when I transferred a balance to this card in march 2000 i ticked a box to request PPI. They attached a photocopy of the said form showing this box 'ticked' - however I had had the card for a couple of years before transferring this balance and had not had PPI (as far as I am aware but I don't have records going back to those dates) and would not therefore have specifically requested this on a balance transfer. Their argument is that I selected it, the information was there and I had a 30 day cooling off period in which to cancel it. Unfortunately this decision was also upheld by the ombudsman. I am aware that I can not revisit this although I am annoyed about this I phoned them yesterday to enquire about the Plevin vs Paragon case to raise a claim for overpaid commission and was told by their representative that I would have had a letter if I qualified. Is there any way to find out what rate of commission Capital One was receiving and how do I go about making a claim in the event it was greater than 50%?