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    • Hi,   Rather stupidly I sent the form back to the address at the bottom of the claim letter. The cheque has still not been cashed either! Realizing my mistake, I wrote to the correspondence address they gave, refuting the debt on the grounds that they had not complied with a CCA request. I enclosed a PO for £1 and didn't sign anything. Is what I have done sufficient, or should I ask them for a new form.   H
    • So we understand that the original purchaser and the original dealer are no longer in existence.  you have to check the warranty and see whether it is a transferable warranty. Also who has provided the warranty? If the warranty is a manufacturer's warranty then you may be in a position to enforce it. On the other hand if it is the original dealers warranty then it may not have much value anymore.        
    • Have had the SAR returned to me.    Strange that they have not included any signed copies of loans.  Especially the one i am disputing.    Have sent lists of what I am assuming are details of previous loans but they have blocked out the financial details.    They list the final loan as being administered by telemarketing unit and list it as a home improvement loan.    The full and final investigation into this matter as they stated in the letter consists of 2 small paragraphs.  They are saying I should have brought the complaint to them much sooner
    • Ok it's good that it is documented in writing.   Pre-action conduct and protocol which can be found here provides under section 7 that parties should agree to a single expert opinion and share the costs of obtaining the opinion.   If you have documented evidence that JL refuse to share their report with you I would keep hold of that tightly as it could demonstrate JL are deliberately acting in bad faith and are not acting in compliance with said pre-action protocol.   Section 13 of the PAP indicates when a party is not compliant with the pre-action protocol this will be taken into account when giving directions for the management of proceedings and when making orders for costs.   I think what can be inferred from section 13 is that JL's current insistence not to share the report with you, despite your reasonable request, increases (while not guaranteeing) the likelihood of any claim you bring succeeding and having any claimed additional costs awarded against them.   As a result of this I would document any costs you have incurred when obtaining your own expert opinions, as well as how long it has taken you to obtain the additional expert opinions as it may be possible to include a small sum for this as a result of being forced to seek your own expert opinions due to JL's non-compliance with PAP.   I do not think you are obliged to notify JL they are in non-compliance of pre-action protocol, after all once you start sending letters they will have their expensive legal department review it, who should be more than capabable of understanding their non-compliance.
    • Hoping someone can help... court action need to be started against a garage because they have failed to resolve a problem under warranty.    An independent garage has verified the fault still exists despite the original garage claiming there's nothing wrong. They are happy to provide a report.    The problem is the car was bought by a family member who has since passed away, leaving the car to their child who is now the registered keeper.    The garage has also been bought by a larger garage group since the vehicle was purchased (they were going into administration).    Would court action need to be taken by the registered keeper or (preferably) could I do this as the person who has actually dealt with the issue from the beginning?    Would the defendant be the new owner of the garage or would be now defunct limited company be named as an additional defendant since that was the entity the vehicle was purchased from? I also think the national manufacturer that provides the warranty should be named as a defendant, does that make sense?   Any pointers would be gratefully received, thank you.
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Are Capital 1 contacting customers? ***WON***


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My mum phoned me today to say she has had 2 phone calls from capital something asking to speak to me.

They wont tell her anything and just say they will phone again another time to talk to me.

I closed my account with them 5 years or so ago but had a maxed out £3K credit card with PPI for a number of years.

I was going to send off a SAR to them but it appears they might want to contact me instead?

Anyone been approached?

I did phone there customer services but they cant access my account details and said I should write to them.

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Hi there

 

You say you closed your account but it was maxed out? Can you clarify please.

 

I doubt whether they are contacting you to offer you a refund....doesn't sound like Cap1 to me.

 

If there was a debt then it is more than likely they are contacting you because its getting close to being Stat Barred.

 

ims

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So to cancel it, was it fully paid off?

 

FORGET THE ABOVE -----POSTS CROSSED

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Hi

 

So no debt on the card....if you're sure then probably nothing to worry about. In any event, if its that important they will write to you.

 

You mention ppi on the card. If this was mis-sold you can claim it back if you wish.

 

ims

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1. Single Premium PPI Q&A Read Here

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I am going to claim the PPI back as they made me have it and were very pushy when I tried to cancel it years later.

 

Good on you

 

Go get 'em

 

:thumb:

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Read Here

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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You shouldnt telephone them.

 

Make your initial request for refund of mis sold PPI by letter, send either recorded or special delivery post and keep the receipt.

 

If you dont have all your statements, then send a Subject Access Request to Capone.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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  • 3 weeks later...
Sent off SAR today.

 

Excellent.... keep us posted

 

ims

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1. Single Premium PPI Q&A Read Here

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Read Here

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Read Here

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Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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  • 4 weeks later...

Well Got all the info today!!

No point being paranoid about signatures as they do keep originals on file you know!

My original application form is there with PPI ticked as NO

There data screen dump shows PPI Required NO

1st statement has PPI added along with the next 3 years or so!

Now going to put it all in a spreadsheet and work out what is owed to me.

I hav'nt looked at the option of adding interest yet, can someone point me in the right direction of what I can claim? is it based on APR?

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Well Got all the info today!!

No point being paranoid about signatures as they do keep originals on file you know!

My original application form is there with PPI ticked as NO

There data screen dump shows PPI Required NO

1st statement has PPI added along with the next 3 years or so!

 

Sounds Like Open & Shut Case to me then

 

Now going to put it all in a spreadsheet and work out what is owed to me.

I hav'nt looked at the option of adding interest yet, can someone point me in the right direction of what I can claim? is it based on APR?

 

I've attached a spreadsheet which will do the calculation for you.

 

You only need to enter list data in columns A, B and C. Change the APR figure in the blue section to the rate they were charging you for purchases. The daily rate below it will alter itself. Amend your personal details in the blue section. This si then your Schedule of Claim (SOC).

 

Fire this sheet off to Cap1 together with a completed fos questionnaire (download from fos website) and a letter reclaiming the ppi payments and stating on what grounds you were mis-sold.

 

Personally I like the templates here...

 

http://www.thisismoney.co.uk/money/bills/article-1606652/LETTER-TEMPLATE-Mis-sold-PPI.html

 

Don't be surprised at how the interest your claiming mounts up....it can amount to quite a bit on a credit card claim.

 

Regards

 

ims

 

CompoundInt.xls

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

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Read Here

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Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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This makes my claim over £3K for £880 PPI charges! Does this seem right?

Do I put the end date as today or when the PPI ended in 2007? I cancelled it in 2007 when people started finding out about the [problem].

The interest rate for purchases was 26.94%

I had previously filled out the same spreadsheet but at 8% statutory interest which came out at £1200 ish.

I need to make sure I get this right so they dont try and fob me off too much (I know they will and am happy to go to court.)

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This makes my claim over £3K for £880 PPI charges! Does this seem right?

Do I put the end date as today or when the PPI ended in 2007? I cancelled it in 2007 when people started finding out about the [problem].

The interest rate for purchases was 26.94%

I had previously filled out the same spreadsheet but at 8% statutory interest which came out at £1200 ish.

I need to make sure I get this right so they dont try and fob me off too much (I know they will and am happy to go to court.)

 

Like I said....compound interest can mount up to quite a sum.

 

If you're happy you have entered the date of the payment in column A, the nature of the payment in column B and the amount of the payment in column C then the resultant figures will be fine. If you want me to check it, post up your spreadsheet (MINUS PERSONAL INFO) and I'll take a look for you.

 

The end date is right up till now....after all, they have had your money up till now.

 

Regards

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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See attached!

 

Hi

 

Looks fine to me.

 

Funny, I thought I'd formatted column C as a currency column. Still never mind.

 

Ok so fire this off as advised above. As you're happy to go to court, you can set the timescales so I would start with the first letter giving them 14 days to repay the money.

 

Regards

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Remember, you also get 8% Stat on top of that :wink:

 

If it goes to court, yes

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Forget the 8% for the time being....it will only apply if you get into court.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Ok going to print all this at work tomorrow and send it of pronto.

These loosers have really ticked me off, I was sure I was miss sold this and now I know for sure. No policy details on file, no signed agreement, boxes ticked no on forms and computer.

These people are crooks and should be treated appropriately.

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A few last questions before bed.

Is there a LBA Template that I can mod, In my case I was not sold PPI but rather just given it without knowledge. I have no records of agreements from CAP1.

Do I go in with LBA straight away or do a preliminary letter first?

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