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  • 1 month later...
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Greetings Dotty,

 

As you have had no reply to the above letter which is also past the 14 days given which is more than enough time to reply I would now go ahead and do as you said.

 

Send the complaint of to the FOS, as they have already been fined you chances of this being upheld are very good.

 

The PPI consumer questionnaire [in Word format] is on the page link below:

 

online PPI resource

 

This is the new updated form so fill this in you can do it on your pc as its in word format.

 

Enclose copies of all letters etc to and from capital 1

 

If this is a joint account you will both have to sign (I made this mistake and had the whole lot sent back)

 

Sent this off with a covering letter to the FOS contact details are on there website.

 

If Capital 1 want to play silly buggers so be it let them pay the FOS fee which I believe is now £500.

 

Good Luck

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Your Welcome you cant hang around for them can you !!!!!!!!!!!!

 

Good Luck.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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  • 4 months later...

Hi Dotty, how are you getting on with your claim?

The adjudicator at FOS agreed with me in July, but still waiting for the outcome.

Have phoned every couple of weeks, and last time I was told they had put a hold on capital one paying out as they were ripping people off and not paying what was due! Apparently, management at FOS are sorting it out, and then things will get moving again, but no idea of timescale!?

Oh well, at least it will have more interest added with the delay:lol:

Let me know how your is going

Emmtay

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Hi emmtay,

 

TBH I have done nothing!

 

Had a busy summer sorting student house out for my son, 1st year uni but no halls so it's not been easy.

 

I keep saying I will get cracking and must do soon!

 

I am not getting any grief from them either so maybe they realise they may have to pay up eventually so are out chasing others who haven't found CAG!

 

Good luck with your claim, keep me up to date with any progress please.

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Will do Dotty.

I've got my daughter to sort out with Uni this time next year, so know what you mean!

Take care

Emmtay

 

Oh, you may find this of use to you next year, if it's still going!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?277529-Empty-nest-syndrome&p=3143705

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  • 2 weeks later...

Hi All

 

Has anyone thought about taking Crap One to Court rather than the FOS route as they take forever. It seems Crap One is refusing to pay out on the PPI on the excuse of an non-advised sale.

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  • 3 years later...

I'm just updating this for anyone who reads it and wonders what happened.

 

Having heard nothing since June 2010, I received a letter from Lowell Portfolio advising that they had purchased the debt, this was followed up by another letter from Cap 1 confirming sale.

 

Lowells have sent another few letters asking for payment or a payment arrangement to which I have not yet responded.

 

I always wonder if it is best to ignore (unless it's a threatening letter) so that my file stays at the bottom of the pile so to speak, rather than to keep bringing it to their attention.

 

The Cap 1 account disappeared off Noddle (CRA) but has now returned under Lowells.

 

Default date is Dec 09 and my last payment was July 09 so another few months to SB! :-)

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...

Default date is Dec 09 and my last payment was July 09 so another few months to SB! :-)

 

around a year to go! if can sit on it, hopefully it stays right at the bottom :)

 

how did it return?

 

any joy re the ppi?

IMO

:-):rant:

 

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Hi Ford

 

SB should be July next year if I've got it right (last paid/acknowledged) ?

 

I didn't pursue the ppi, I think other things took over at the time but I guess I could use it as a lever, should they get nasty!

 

Fortunately this isn't a huge amount but still a concern as it's Lowells. They issued an SD on my OH last year but it was successfully set aside with some assistance.

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Hi Ford

 

SB should be July next year if I've got it right (last paid/acknowledged) ?

 

.

 

hi

credit card, from the missed contractual payment(s) ie breach. or last one off payment if after. no payments/written ack's since whichever is applicable.

IMO

:-):rant:

 

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