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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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Share on other sites

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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Share on other sites

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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Share on other sites

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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Share on other sites

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