Capital One ppi success

[shazy73]

I received a letter regarding my ppi complaint today upholding my claim for ppi.

 

From the first letter I sent on the 5th of July 2012.

 

I received a reply on the 24th of July stating that they needed 8 - 10 weeks to investigate my claim,

 

then after the initial 10 weeks I received another letter stating that they would require another 4 weeks to still investigate,

 

the 4 weeks passed and I still hadn't heard anything from them

 

I decided to phone them and they told me a letter had been sent to me on the 18th of October which I received today (24th of October),

 

I will receive a cheque from them within 21 days,

 

I was just wondering if they do take the full 21 days to send me the cheque or are they quicker.

 

It is well worth sending off a letter,

I wasn't expecting to get anything from them, so I am really pleased,

 

I will pay off all my debts and definitely not get any more credit cards!!

[dx100uk]

i hope you know what you shouyld have gotten back?

 

did you do a spreadsheet

 

they are well known for short changing people

 

dx

[ken100464]

Totally agree with DX on this one.

 

Just been short changed myself by cap1. Have a close look at over limit charges and your contractual interest rates. (Charges because of an inflated balance and interest accruing on premiums and charges should be removed from the reconstituted balance)

 

You need a SAR then ask them for a detailed breakdown of your refund. Not just the X Y and Z of what they are paying you. Ask them how they got to X Y and Z.

 

My claim is 2/3rds less than it should be because of the two points above.

 

Think consumers have been too focussed on the miss-sell aspect and havnt thought that beyond that point they still need to be keeping an eye on the claim. Suppose the sight of a big cheque blinds people to the fact said cheque should actually be bigger.

Edited October 24, 2012 by dx100uk
careful - dx