capital one ppi -say i agreed ???????

[oggy1]

only a couple of weeks to go and im in court against crap1

wish me luck??

[bathgatebuyer]

Absolutely! Good luck! Why they just don't settle with you (or Halifax with me), I don't know

[Sparklez30]

Haven't posted in your thread before but have been avidly reading so just wanted to add my Good Luck wishes for you Oggy

[ammani]

Hi Oggy1,

i have been reading your thread with interest. I claimed for my PPI from Cap One and they refused. I am self employed too. They claimed i asked for it, and looking at the agreement there is a tick in the PPI box, but i never recieved terms and conditions for the PPI or any information to do with it, nor did anyone speak to me about it. It is highly unlickely they would pay out for someone who is self employed, By chance i found out that if you are self employed, you have to be also paying Class2 National Insurance contributions to be elegible. And as i wasnt at the time, i contacted them, a person called Ellie Renshaw the Executive Office Manager, and she refunded all the PPI back to me. Hope this is of help to you. Good luck.

[oggy1]

thanks ammani, but i think now that its to late for them just to refund the ppi. i will want the costs and interest now, the stupid thing is the original calim was for £192.00

i cant work them out.

thanks bathgatebuyer and sparkle , at least being at this position with mbna i know a little about the system

[bathgatebuyer]

Oggy, thatnks for mentioning your MBNA case as I've just had a read through the details of that which are very interesting (and useful) for me to note - particularly the part about MBNA appearing mob-handed in the court! (Am I scared? Hell no - it just means that there's going to be more of their staff / legal costs tied up unless they settle early - I'm looking on the brightside!)

[oggy1]

go for it, bgb.

just a point , mbna turned up saying they had not recieved my court bundle, if i had taken the proof of delivery with me i think the judge would have awarded me the case.

you can take other info to the court if you need to.

good luck .

[hellhasnofury]

Hello Oggy, I have been to a couple of court dates and I left feeling good, so good luck to you. Just do your homework and you will be fine,

Before I went to court I prepared my arguements, for different scenario's, so I was ready for all eventuallities:D(need spellcheck:p)

 

The time just flies, so quickly in the court room, so if they do turn, be prepared.

 

Willing you good vibes and wishing you good luck,

 

Keep us posted:D

[alanalana]

with you all the way oggy,

 

good luck;)

 

aa

[oggy1]

thanks hell and alanalana,

will be planning everything as you suggest hell,

i think i have got them with some of their own admissions but will see in a couple of weeks, will keep you all informed.

[oggy1]

10 days to go , nervous now, thought crap 1 would have given in and settled.

[bathgatebuyer]

Don't worry - there's still time! If they don't settle, then you get the chance to tell them every honest truth in court. In some ways, I hope the halfiax turn up for court just so I can mouth off at them (although that says quite a lot about me!)

[alanalana]

Hello oggy,

 

don't let them see you are nervous. Concentrate on the job in hand and you will be just fine on the day.

 

Keep your chin up

 

aa

[oggy1]

just a few worries but hey if they turn up they will be paying for their time .

i think i have a good case.

any way 9 days left .

thanks for suport and good luck bgb:)

[oggy1]

its getting worse now , cap 1 have supplied their court bunde to the court but i have not recieved anything, i thought i should have had their defence 14 days before the hearing,??

[checkoutdolly]

watching with interest as i have mine to file with cap one

 

when did they say you agreed to your ppi over the phone check the dates

as they said I agreed to it two years before i even sent an application for a credit card

[hellhasnofury]

its getting worse now , cap 1 have supplied their court bunde to the court but i have not recieved anything, i thought i should have had their defence 14 days before the hearing,??

 

Hello Oggy,

 

What was the judges instructions, normally both parties provide each other with court bundles, no later that 14dys, that they will be relying on as evidence

[oggy1]

that was the judges instructions but they faxed them to court today and i have recieved by carrier this afternoon.

will have a look through them and let you know.

[lenny100]

It seams that crapital one are doing this to everybody.

I to do not recall ever asking for PPI on my application but they produced a screen shot of my on-line application and the box it ticket so i don't have a leg to stand on even though i have a pre existing condition that would have bared me for ever being able to claim on the policy.

They have us over a barrel with all these applications that they are finding with this little box ticked, but who is doing the ticking???

[oggy1]

how about this : The Death Of Rip-off Insurance? - 05/06/2008

 

have a good read:

[ukaviator]

Oggy

 

Let us know what their defence says. My collegue has a defence from them sent the other day, it maybe the same.

[oggy1]

hi ukaviator

the first part of the defence says that i responded to a mailshot and i had ticked the box for ppi and had 30 days to cancel.

the next point is that they do not and have not offered any advice regarding the ppi and they are on a non advice basis.

the claimant has paid monthly and did not dispute any of the payments.

[oggy1]

only 2 days to go, does anybody know if crap 1 turns up and defends.

[oggy1]

crap 1 are saying that under the consumer credit act section 78 it does not have to supply a true agreement and therefore has complied with the cca request.

and basically it states i should have had acted within the 30 day cooling of period.

 

any help even at this stage would be appreciated.

[steven4064]

oggy

 

Did you ever post what Cap1 sent you?

 

An interesting point that you may be able to use has just come to light (courtesy of alanalana - respect) - I am sending you a PM since you believe (Al) Capone is reading this tread