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Notty

Cap One - Lowells

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Ii am helping my son with his Cap One charges. We have finally received the paperwork from the SAR request. From 2003-2006 there was over £600 applied in charges (this doesnt take into account the interest they also added or the 8% interest if a claim was issued). There is also ppi and as he is self employed doubtful if it should have been on there. The charges per month work out to about £40. From 2006 any charges were reduced to £12 so I dont think you can claim them? I have sent a cca request and not had anything back so assume they do not have the cca. Do you think it would be better to claim back the charges which could leave him with a couple of hundered difference? Or will they reduce the £40 charges to £12 and end up with nothing? Any help would be appreciated. The worry with the cca is they never give up trying to collect I thought if we wen the court route at least its all finished with?

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Can anyone help me please

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Claim back all the charges and the interest on the charges. There is a therad about reclaiming interest on charges

 

The PPI sounds like it was mis-sold. If he can't claim then I would go for mis-sold & claim that back too, plus interest on those charges. Then add the 8% statutory interest

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Hi,

 

You can claim back all the charges including the £12 ones.

 

Regards.

 

Scott.


 
 

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Ii am helping my son with his Cap One charges. We have finally received the paperwork from the SAR request. From 2003-2006 there was over £600 applied in charges (this doesnt take into account the interest they also added or the 8% interest if a claim was issued). There is also ppi and as he is self employed doubtful if it should have been on there.

 

Hi Notty, if he told Crapone he was self employed and they still allowed him to take PPI then its mis-sold, crapone PPI doesnt pay out on self employed persons (they did the same to my mum)

 

If you go through the FOS for PPI I dont think he'll get much interest back on the payments you have made, if you go through court he could ask for contractual which over the years will build up to a healthy total. It all depends on how much he needs to clear the balance or a significant amount of it.

 

 

S.


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