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    • As per my old and new posts all correspondences have now ceased from all parties hence me raising issue again.   If defaulted in January 2018, surely I should have been notified?    
    • Hi   I received a NIP for traveling 39mph in a 30 zone (mobile speed camera) in December 2020. As it is my offence, the police sent a letter requesting to know who was driving with three possible outcomes: speed awareness course, 3 points of contest at court. I provided my details and sent the form off.    The police sent me a letter this week asking for confirmation of my insurance... I realised that in October 2020 I removed a private number plate off the vehicle and notified the DVLA and the V5 form but I didn't norify my insurers.    I called the insurance company today and updated my number plate and they said technically I was insured and the vehicle was insured and it depends on how linient the police will be.    I am just concerned as the recent letter states possible prosecution for driving with out insurance with a possible fine and 6 to 8 points.    If they add that to the original 3 I might be given that would be 11 for a first offence.    Has anyone got any experience on this or any advice as I am pretty worried!    Thanks 
    • Tend to agree Hammy, but I think if you have a number of DD's going through every month and the reference/descriptions does not clearly identify what it is for, then many people would not have queried it.   How many people still go through their Bank statements regularly to check every item. ?  I have mobile Banking now and keep an eye on the payments going through, but when I had printed statements sent, i only checked them every few months.   Normally for Insurance refunds in these situation, the Insurers should consider refunds of up to 6 years, if it can be evidenced that the Insurance was of no value.  e.g. the Insurance was for a specific risk which is no longer owned.   The DD was set up over the phone as a variable DD amount and the Insurers should have issued communications about increases to the email or postal address provided for this purpose.  When the DD was set up originally D&G would have had to send confirmation of the DD terms and rights of cancellation etc.  You can try to ask Natwest for a refund under DD scheme, but you may struggle with this.    Ask D&G to look at your refund request again as a complaint and advise that if not settled, you will ask the FOS to review.  D&G would be charged a fee by the FOS if you went that far, so they may try to offer you a refund amount, to avoid this.
    • The state-backed savings giant has been accused of abandoning older customers in its drive to axe prize warrants to save money and paper by only consulting customers with an email about the change. View the full article
    • Savers who put £10,000 in the average tax-free cash Isa ten years ago would now have £9,772, new research shows. This is because inflation has outstripped the interest earned on savings. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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hi I have been giving myself a headache trawling through all the these threads looking for the right spread sheet and right templates.

 

I have already sent the SAR to cap1

and received the reply docs with the statement,

 

The problem I have is that they only sent statements going back to 2005

yet the card was opened in 2000,

 

now since it has been ruled that ppi is unlawful how do I go about claiming from 2000.

 

I did read somewhere that I should sort out the SAR documents before starting the actual claim or I could be left with a new claim.

is there as template letter to request for older statements

 

out of curiosity

 

can I take the monthly ppi £2.02 charged in 2005 and apply it to each month going back to 2000,

in indicating in the reclaim letter that "due to your failure to provide all the information on ppi payments dating back to the date the account was opened

I have applied the amount of £2.02 obtained from the earliest statement you have on record."

the wording could do with some work.

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use an average of ALL your known PPI payment.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

sheet 2 if you are prepared to goto court in restitution

 

sheet 4 via FOS route.

 

there are several CaP1 successes

 

look in the successes thread

 

dx

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 7 months later...

I have sent in a claim for missold ppi to Capital One , dating back to 2002.

 

I filled in the spreadsheet FosCISheet. using 29% apr the amount totalled £1818.18.

 

Last week I received a letter offering me a settlement of £557.32 of which the 8% added will be taxed at 20% deducting 17.13.

 

is there a letter (sample ) I could use to deal with their reply.

 

I have about 6 days to reply to this letter before they consider it settled.

 

below is the part of their letter which contains the important bits

 

Dear sir/madam

Thank youfor your correspondence bla bla bla

 

Our investigation

I am sorryyou have had cause to complain – bla bla bla

 

The outcome

As a resultof my investigation I am upholding your complaint.

 

I have decided to refund thefull amount of PPI premiums and associated interest charged to your account.

 

The total redress payment is £557.32,

which is the total of £265.92 inpremiums,

associated interest of 222.84

and a further 8% interest of £85.69.

 

Wehave deducted basic rate income tax of 20% on the 8% interest element,

whichequated to £17.13, as we are obliged to do by HMRC.

 

If youraccount is in arrears or over its credit limit, any refund will be set offagainst the arrears or over limit amount to bring your account up to date.

 

The remainder if any will be sent to you by way of cheque.

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post up your xls

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

is the account still active or is it closed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and never been in credit?>

int still being charged?

sound unlike cap1 to try it on with the recent successes

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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seems very strange

 

ok time to pull them up then.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I found the other half of the letter (page 2) it says that if I accept the offer then fill in the attached form and send back within 14 days. since the 14 days have passed, can I assume that I can send them another letter I have found one on the internet please let me know if it should be changed in any way before sending.

Thanks

 

Dear Sir/Madam,

AC/ No 1234567890

 

On 07-05 2013 I sent you a letter regarding the PPI policy I was sold by you, Capital One in conjunction with my application for a credit card.

I have since received your reply and note that you have offered me £557.32 as settlement.

I do not believe that this amount is sufficient to cover a refund of all premiums and subsequent interest on the payments that I have made towards this policy plus an addition of the 8% statutory interest to which I believe I would be awarded by a court. However, if you were to increase the settlement amount to £ 1818.18 that of which was originally claimed for in letter dated 04 April 2013 I would be willing to accept the offer and to close this matter.

If I do not receive a response from you within the next 14 days confirming that you are willing to increase your offer as requested I will be taking my complaint to the Financial Ombudsman.

Yours faithfully

 

_______________

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Ombudsman as has been reported non helpful in most cases and can take a year or more to comply with any final answer, which is usually the same agreement with Cap 1, they seem it seems to be going court route as they had a success it has been reported and chancing that will send people off the scene?

 

So unless you are serious about taking them to court, then plan ahead seriously which way to go

:mad2::-x:jaw::sad:
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I think the court rout would be best as I have seen most people get as far as filing the papers with the court, at this point Cap1 tend to pay up. I just need to get the wording right so as not to further delay it by miswording the letter.

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