burlyb and Capital One

[burlyb]

I am in dispute with the twonks too ...they said I didnt apply for the ppi and my statement copies they sent back show TWO lots of interest so I will write my third letter to them to find out why there are the two lots of interest per statement...they would be about the same amounts as ppi's would be so i'll give them one more chance to fess up or else I will mail my findings to SFO ...thats serious fraud office friends ....oh yes serious fraud office....same will be done to creation financial swervices if the FOS dont do thier job on them propely.......

[gregorious77]

My statements had 3 lots of interest applied. I assume 1 is cash, 1 is purchases and the 3rd Maybe PPI? but not sure.

[burlyb]

they are seriously taking the P they are very secretive about what is for what on thier stements...makes me really wonder now if the originals have been tampered with

[dx100uk]

ppi will not be listed as interest

 

dx

[burlyb]

I know tecnically it will not be but then again what else could it be....and knowing how iffy cap one is now I'm almost blinded by their shyte

[gregorious77]

Start your own thread and discuss.

[ims21]

burlyb

 

Ive started a new thread for you to discuss your Cap1 issues

 

ims

[gregorious77]

I agree the SAR statements do note state what the interest is for!

[magictorch1980]

Hey Burlyb, I got a private message from you but could not reply so I found this thread to reply to.... hope this can be of use to yourself and maybe others....

think you were enquiring about creation financial services PPI.... here was my attempted reply;

 

 

Hey mate, it's been ages since I worked there and I have no idea if the course of action suggested to you is of any value or not.

 

The best advice I can give is that they need to prove in writing that you requested ppi in the first place so if you request a copy of your initial application that might be one line of enquiry open to you?? I can't remember what the process is called but apparently in the U.K. you have the right to request the entire record of your account (for a fee) which I would assume includes the original application.

 

You may be extra lucky as Creation actually have a gap in their files at a certain point which means they're screwed if they come up against clients that were signed up in that period of time

 

*** If you originally applied for a store card or applied for a credit card in store then be warned that the storeperson who actually signed you up may have ticked the PPI box "by default" and in this case you would actually have signed and agreed to this item.... it may seem unfair but that's the whole point of reading what you are signing for. - although you're likely to be peeved off if you fall into this category you may be better off giving up there as basically they have the proof they need (unless you kept the carbon copy of your original application and it shows otherwise)

 

not sure if this is of any help to you but good luck

[magictorch1980]

Oh, and I quickly saw on this thread a mention of "three types of interest". in most cases one would be cash interest, another would be purchase interest and another would be *special* interest such as low interest on balance transfers or maybe a promotional interest rate for certain purchases.

[citizenB]

Could it possibly be that the two lots of interest are for different rates ?

 

I know some of my Capone statements show the purchase, cash and balance transfer interest rates independantly.

[burlyb]

dont expect ANY help from the FSO or FSA.......they dont like their gravy boat tipped up from small claimers