Jump to content


  • Tweets

  • Posts

    • I typed it on my phone, ironic. I’ll use my laptop for more substantive updates.   I have another car - I’d rather not splurge out multiple thousands at an already expensive time of year - the service was £1000 in itself.   My immediate concern is their inspection company. Do I pre-empt and pay for my own to coincide with theirs, even though its not needed in anyone with common senses eyes? It just seems like knuckle dragging.   I’ll take you up your offer, thanks. Communication has been mostly via email, and I have followed up calls immediately with an email of what was discussed. Got it the 7th of July if I recall, notified them of the issue on the 25th November.
    • I hope you notice that in your first post I had to restructure the solid blocks of text that you posted. It will be very helpful if you would make sure you would introduce better spacing because we have lots of people who come to this forum using telephones and it is extremely difficult for them to read. The fact that you assert your six months right to reject does not mean that you are then obliged to reject the vehicle. It simply reserves your position on that matter. You always retain the option to reject or to keep the vehicle. However it puts more pressure on the dealer or the hire purchase company – whoever happens to be the responsible party. If you are doing things on the telephone then make sure you have read our customer services guide and implement the advice there. It really is important and if you don't then at some point you will regret it. if you are strapped for the car and if you haven't have the money then probably a good option might be to pay for the repairs yourself and then proceed directly get the hire purchase company for reimbursement. However this means that you would be out of pocket for a while. Also if you did this then we would have to be very careful about giving the hire purchase company advance notice of what you are doing and of the expenses you are about to incur on their behalf. In any event, you are just within the six months and if I were you I would assert the right. If you want, draft a letter and then we will have a look at it here
    • Thanks for the reply except for distance part.   Not a fail when it’s only one of a few in the UK(at the time only 3 where for sale from dealers in the uk- I would never buy a car privately or at the least on a credit card). I only tend to splurge big (to me)bucks on what I actually want and I am a bit of a petrol head. It’s more than a form of transport for me.   I am not naming dealers at this time as they have yet to do anything wrong and the one acting (more than) reasonably is the main dealer that identified the issue, not the one I got the car from so no need to name them at all. They have in fact worked with me to get a very good price to replace the head with support from the manufacturer - to the point of the original dealer would not be able to buy just the head for the all in price on offer. So I have done half their leg room for them too. I will phone the dealer myself today to get their story and if they play silly buggers up their name will go. As I said in the original post - I am hoping for the best, expecting the  worst and want to be prepared.    Finance company is Oodle. I did say I am contacting them under my rights from the consumer credit act but didn’t say I am rejecting, but did say the outcome I am looking for is for it to be repaired.
    • I'm really not clear as to what you want to do here. You clearly have a way of gaining some compensation if you want. If you'd rather just get it shut down then as you say the best thing to do is to send them your mother's death certificate – but as they are completely wrong about everything, it seems – and also on the dates you have given anyway, they are breaching the backbilling code, you can hit back if you want. You have just said that it is the principle of it all. If that is really what it is then that might be sufficient basis for striking out at them. I don't think there's much else to be discussed on this thread
    • Well done on having paid by high purchase. People who pay by cash or who pay by bank transfer are not in such a fortunate position. In terms of buying a second-hand car 100 miles away – big fail. As you have said, it is the hire purchase company which is liable. It is their vehicle. What exactly have you told them in respect of the consumer rights act? Have you asserted your rights and made it clear that you will be relying on your six-month right to reject if they fail in a single repair? What's the name of the hire purchase company? You say that the dealer is acting responsibly – but maybe you could tell me who they are as well
  • Recommended Topics

  • Our picks

  • Recommended Topics

Capital One PPI Claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4491 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

I have started a PPI claim against Capital One, of whom I applied for a card in 2000 and been an account holder since 2000.

 

I recieved the following letter and details back, to be honest I dont know what to do next.

 

On the form it clearly shows that I am a student NOT in full time employment so I would not be able to claim on the policy anyway.

 

Could someone please help me with my next steps towards Capital One?

 

Thanks

1.jpg

2.jpg

Link to post
Share on other sites

Hello lukepapa,

 

sorry but the thumbnails you posted are to small to read even using a magnifier can you enlarge the images?

 

 

If you were a student at the time the loan was taken you should reclaim the PPI as mis-sold. Please read these links to give you an idea on how to proceed.

 

PPI - Some Notes for Claimants..

 

Mis-sold PPI? Want your money back? use these links to help

 

Full SAR for ppi

 

any questions just post them up

 

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.

 

Link to post
Share on other sites

Alanalana - thanks for your quick response;)

 

So I guess the next step would be a SAR from Capital One and take it from there. Once I get the SAR back what would my next steps be?

 

The fact that I was a student at the time and on the form they sent back to me had a box ticked that I was a student must go in my favour right?

 

Sorry for firing all these questions at you, I am just a bit confused/lost with this all at the moment :confused:

Link to post
Share on other sites

Alanalana - thanks for your quick response;)

 

So I guess the next step would be a SAR from Capital One and take it from there. Once I get the SAR back what would my next steps be?

 

The fact that I was a student at the time and on the form they sent back to me had a box ticked that I was a student must go in my favour right?

 

Sorry for firing all these questions at you, I am just a bit confused/lost with this all at the moment :confused:

 

What you state above is correct. The aim of the game is to gather the data through the SAR, decide on your strategy then claim back your money.

 

Please though do read the stickies and search through the cag site there is a large mountain of information on this site that will enlighten you.

 

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.

 

Link to post
Share on other sites

Right I have sent of my SAR today will keep you posted on the progress.

 

On the form they sent back to me which was my initial application form, I ticked the box saying I was a student. I wonder if this will be enough to claim for mis selling on the basis that I was a student.

 

If this is the case, why do I need a subject access request?

Can I not send a counter arguemen letter also staing that because I was a student I disagree with their response that I wasnt mis sold and would like to claim along these lines?

Link to post
Share on other sites

Right I have sent of my SAR today will keep you posted on the progress.

 

On the form they sent back to me which was my initial application form, I ticked the box saying I was a student. I wonder if this will be enough to claim for mis selling on the basis that I was a student.

 

If this is the case, why do I need a subject access request?

Can I not send a counter arguemen letter also staing that because I was a student I disagree with their response that I wasnt mis sold and would like to claim along these lines?

 

 

You are correct you could bang in a straight claim, but the banks are playing games with claimants and cap one is one of them they have just turned down one of my claims.

 

So you would be better to have all the data from them before you start to claim.

 

Also make sure they supply everything that you ask for and ask for the lot.

 

My SAR got a response but there were documents missing, new terms and conditions which were not relevant at the point the card was applied for, missing information, boxes on the application form pre ticked and no evidence to back up the phone call when the loan was applied for and the Consumer Credit Agreement was in fact and application form.

 

My complaint to the FOS is going Special delivery tomorrow.

 

Capital One have not been playing by the rule book IMO please see this.............

 

FSA fines Capital One for PPI sales failures

 

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.

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...