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    • Hello, hope you’re all well.   Just an update.    We still have the vehicle, the agreement hasn’t been defaulted or terminated yet (even though we’ve not made any payments since January).    After a lot of back and forth, the finance company agreed to pay for an independent inspection at a main dealer BMW workshop.    Workshop came back and the vehicle has £6,350 worth of urgent repairs, everything from rear brakes being worn to the point there’s no pads left, rear differential bushes are degraded completely, and of course the big one, the timing chain mechanism is defective and needs replacing, technician also stated that it’s best to have a new clutch fitted to the vehicle as the clutch is heavily worn and the gearbox will be detached from the vehicle so it makes sense to put a new clutch into the vehicle to avoid having to do this again in 5,000 to 10,000 miles.    Finance company has been really patronising and has said that they will only pay for the timing chain repair, and this is as a good will gesture without any admission of liability as they are of the opinion £5,000 timing chain replacements are “wear and tear”, even though BMW has admitted it’s defective and are contributing to the repair, I’ve declined this on the basis it’s not “good will” to withhold a repair for 7 months and try to pass it off as “wear and tear”, I want the finance company to admit they were wrong.    Finance company is refusing to put right the rear brakes (which the vehicle cannot be driven unless they’re done because the condition is dangerous, having seen the video of the rear brakes I’m disgusted at the condition they are in), the finance company will not repair the rear differential and will obviously not put a new clutch into the vehicle, expecting me to make £1,500ish in repairs out of my own pocket.    I’m unwilling to pay for any repair to this vehicle as we have had 4 months of use age out of it, it cost £8,000 and already has £6,350 worth of urgent repairs required, this clearly shows it was not fit for purpose, not as described and not of a satisfactory condition.   Finance and supplying dealership are refusing the rectify the poorly done paint repairs that have peeled off both the front and rear bumpers, even though these were pre-agreed and part of the condition of sale.    Financial Ombudsman Service has not yet ruled on our dispute, however I now have an independent report that shows the vehicle was not fit for purpose, and the finance company/dealership should have repaired it when I made the request under s.23 of the CRA 2015 back in November 2021, they acted unlawfully and unfairly in refusing this, and refusing to carry out my rejection in January when they failed to repair the vehicle.    I’ve written back to the finance company refusing their proposal to have just the timing chain repaired, as I disagree with the premise of it being out of “good will” and “wear and tear”, I also believe that they are liable alongside the supplying dealership for other defects that could not possibly have occurred due to my very limited use of the vehicle. 
    • The banking giant has declined to comment on media reports that Stuart Kirk has been suspended.View the full article
    • Are we to assume that the asthma is not new and your employer fully infomed about this. 
    • right so you being abroad or informing SLC you were Abroad as the last address plays no part in this at all, thread title updated. total red herring.   your case is the same as numerous ones here already which you need to READ  type in erudio backdoor CCJ in our enhanced google searchbox. get reading a good few of the threads that search points you too.   your mistake is you returned to the uk, you failed to update your debt owners of a change of address as legally you are obliged too, and you got a backdoor CCJ.    your issue now again is the same as most of the threads you'll read, your SLC loans were last deferred to SLC before the gov't sold them to erudio in 2013. that means that the court claimform was issued more than 6yrs after your last written acknowledgement of the debt and thus was already statute barred.   can't see any point in an SAR to anyone.   just ring northants bulk and quoting the CCJ number from your credit file ask for a copy of the particulars of claim ANd the judgement CCJ by email pdf   dx  
    • and neither can drydens hence their twaddle.  and you need to remember that places like cab and ndl etc are funded by the banks and the DCA's in commission payments for signing people up to dmp's without ever questioning the debts enforceability under the cca 1974.   your n244 already has the background..   The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.        
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Capital One - PPI Possible Claim


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Since having my crap one credit card back in 2005, I have had around £50 of PPI charges added to my account.

 

I have been told that I should try and claim these back as they are asking for £300 balance to be paid and this is made up of total charges, and in fact they owe me money!

 

How would I go about claiming back the PPI? Is there a letter template to use that I could send please?

 

Many thanks

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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hello Loobyloo,

 

Welcome to the PPI forum:)

 

Since having my crap one credit card back in 2005, I have had around £50 of PPI charges added to my account.

 

I have been told that I should try and claim these back as they are asking for £300 balance to be paid and this is made up of total charges, and in fact they owe me money!

 

How would I go about claiming back the PPI? Is there a letter template to use that I could send please?

 

Many thanks

 

You could try this for starters.

 

Full SAR for ppi

 

The fee is £10.00 but ask for every little bit of data. You should perhaps look here first to decide if you have a case for capone mis-selling (nearly everyone does have a case) but please read first.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

This and more in here...........links

 

Long thread but worth a read to help you on the road to get your cash back.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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That's great thanks, - I will take a look. However, have already sent the initial letter two days ago so will see what happens before I need to take the next steps.

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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Share on other sites

claimed 1600 from capital one,hey said no chance..

Told them I would take them to court o they offered 860

Turned it down but they did not improve offer.

Accepted the 800 to pay for my holiday

 

That's great news, I haven't heard anything back yet with regards to an offer, but they seem so take weeks to reply to any letter.

 

If I got that I would be well chuffed. Seems they offered you half of what you are clamining, I wonder if they will do that with me!

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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claimed 1600 from capital one,hey said no chance..

Told them I would take them to court o they offered 860

Turned it down but they did not improve offer.

Accepted the 800 to pay for my holiday

 

They love people like you :rolleyes:

 

Jogs

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Hi there

 

I have just had an offer of £330 from them which like you is just under half of what i'm claiming, sent them a rejection of offer letter, just waiting to hear back.

 

Good luck all x

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Hi Looby

 

My PPI amount was small aswell £50 odd pounds, today after just one letter from me they have offered me all of my PPI back but only a flat 8% interest on top. Im not sure what to do they saying they are going to credit the refund to my account, not sure if I can go after CI interest alone.

 

Good luck with your claim.

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I have today received a letter refunding the FULL PPI of £51.17 plus associated interest of £4.09 - this has already been refunded apparently - still lives a £300 + balance though of charges! :mad:

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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Share on other sites

I have today received a letter refunding the FULL PPI of £51.17 plus associated interest of £4.09 - this has already been refunded apparently - still lives a £300 + balance though of charges! :evil:

 

A success even though small is still a success but I would make sure you check the statments to see the refund has been credited to your account:eek:

 

Check everything but it is money back to you which is good:D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi there

 

I have just had an offer of £330 from them which like you is just under half of what i'm claiming, sent them a rejection of offer letter, just waiting to hear back.

 

Good luck all x

 

 

Just got second offer, double what they offered first time! :)

 

All i need now is for them to pay it straight to me and not take it off my outstanding balance! :(

 

Any progress with you?

 

x

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Just got second offer, double what they offered first time! :)

 

All i need now is for them to pay it straight to me and not take it off my outstanding balance! :(

 

Any progress with you?

 

x

 

I had my FULL PPI refunded at the first request (apparently) but have yet to receive another of their chaser letters telling me the current balance!

 

I am now in the process of claiming back my charges, out of the £900 they owe me they offered £138! I have since gone onto www.moneysavingexpert.com and used their calculator to claim interest and it amounts to well over £1,000 so I will be putting a letter together today to get that sorted out.

 

They tend to put the money onto the account but they "should" send you the remainder via cheque. I cant imagine they will just refund you direct if you still owe them money though :(

 

Was your claim for unlawful charges or for PPI?

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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In fact think i may start my own claim for the charges on the account too. Been too busy concentrating on my ppi claims forgot i could still claim charges on credit cards! :)

 

All helps towards getting the balance down!

 

x

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In fact think i may start my own claim for the charges on the account too. Been too busy concentrating on my ppi claims forgot i could still claim charges on credit cards! :)

 

All helps towards getting the balance down!

 

x

 

How much of your debt is charges?

 

I have worked out that my charges since 2005 are £856 plus statutory interest takes it to just over a grand - its worth it!

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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Not sure, not got all of my statements, gonna send off SAR today.

 

Managed to gestimate with ppi.

 

x

 

Its worth doing.

 

Have just registered online at the MCOL so I can process the claim after the 14 days when they received the letter, hopefully it won't come to this though

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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Share on other sites

  • 3 weeks later...
I have today received a letter refunding the FULL PPI of £51.17 plus associated interest of £4.09 - this has already been refunded apparently - still lives a £300 + balance though of charges! :mad:

 

 

If any of you are successful in getting the PPI then PLEASE PLEASE check that its been refunded.

 

I have telephoned them today and they offered the refund on 3rd April and its hasnt been done! Apparently, it will show close of business tomorrow so will be ringing back and checking that as well!

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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I'm having the same problems with Cap 1

Told they had refunded my account but the next day they "sold" the account to another company. The balance they sold didn't include any refund.

I've been chasing this for nearly a month now.

Anybody any ideas what to do as I could really do with the money in my hand and not theirs.

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I'm having the same problems with Cap 1

Told they had refunded my account but the next day they "sold" the account to another company. The balance they sold didn't include any refund.

I've been chasing this for nearly a month now.

Anybody any ideas what to do as I could really do with the money in my hand and not theirs.

 

Luckily we record our calls at work so I have that as evidence, I will ring them tomorrow to ensure its been put on.

 

So far though I have been lucky in that any refunds have been amended onto the DCA

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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