Cap One PPI - What to do next?

[Old Cogger]

Well the T&Cs are not the original.

[dx100uk]

Just a thought.... I included in the spreadsheet only the PPI charges as made. So, would the interest that I am claiming from them include the couple of years 'after' ie: up until today?

 

on that sheet end the claim on the date they stopped charging you interest not the date of the last ppi payment

as in fact that is not correct,

 

you are entitled to 8% stat int on that figure

and any subsequent payments under the no int period

 

now you've been paying £5PCM for how long?

 

get a copy of the statint sheet

 

enter the total of the cisheet on the day the frozen int stated

and any subsequent payments too!

 

you'll need to work out the % of what of your £5 is PPI.

 

was the PPI 3.9% of the OD?

dx

[G&J]

Thanks for the reply dx

 

I will look in more detail onver the wekend.

 

"now you've been paying £5PCM for how long?"

 

Since the last date on the document until the present time.

 

 

"you'll need to work out the % of what of your £5 is PPI."

 

Sorry, maybe I should have included 'all' the statements for clarity? I can do that no problem. PPI appeared to stop after the last statement..... Appears to be when the payment arrangement comenced.

 

"was the PPI 3.9% of the OD?"

 

Sorry dx... you lost me? Original....??? (sounds like overdraft)

 

Is there any further info I can provide to make it easier for the check?

 

Appreciate all the help

[G&J]

Well the T&Cs are not the original.

 

How come? That is scanned directly off the application form. Have I missed something?

[dx100uk]

unless you have proof that the PPI was cancelled it wont be.

do your statements from 19/3/9 show it

 

dx

[G&J]

dx

Could I please ask that these files are now deleated..? as you have them.

 

Looking at the statements that follow there is no mention of PPI but there is mention of a new item "Purchase Interest" at vairing amounts ((£16 - 18))

 

I don't see proof the PPI was cancelled (as I dont see it agreed to ) I'll copy a random statement to give you an idea of what I have post the 19th

 

G

[dx100uk]

purchase int is the int you pay on items brought with the card during that month

i think , see the statements or T&C's

 

dx

[G&J]

Hi dx

I have been all through the SAR material and have found the following:

 

On the screen captures of my account on their system is states

PPI: N

Interest: 30.87

 

Card Protection Flag: Y

Payment Protection Flag: N

 

On the statements I see Cash Interest & Purchase Interest being charges up to 19/6/2010

 

Default Notice on 16/5/2010

 

I sought advice from CCCS and first letter sent on 25/6/2010

 

Hence I'm sure this is when interest stopped and also PPI.

 

I have scanned the remaining statements (so they are all available now) and I have amended the spreadsheet to what I think is correct. Please advise!!

 

Does it look correct?

 

Thanks

 

G

[dx100uk]

ok that looks ok just remember you are entitled to 8% stat int

on that figure till the date of you claim.

 

now what about the £12 penalty fees?

 

dx

[G&J]

Thanks for looking over....

8% till the 'day I claim' ??? Do I just alter the date in the spreadsheet for that figure? Surely NOT? That takes it to £8,8,29 at the end of this month... never never?

 

"now what about the £12 penalty fees?"

 

Errm... Do they go on another claim?

 

So, presuming 'on' your answere to my first question... What the heck is my next move? Are there special templates I must send or just a simple letter (as has been mentioned earlier in the thread) and state the amout? or is there much more to it?

 

Let battle commence

 

G

[dx100uk]

no use the statint sheet

 

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

 

put the figure from your xls

into it at the date PPI stopped.

 

penalty charges are a sep claim yes

but nothing to stop you putting both claims in at the same time

 

you use the same foscisheet spready [sOC] Just open a new copy

 

dx

[G&J]

Thanks dx

So is the £8,8,29 looking ok? (just feels exagerated)

 

G

[dx100uk]

your last spreadsheet at £3k ish looks correct

[G&J]

Again dx... Thanks for looking

 

Sorry to sound 'very' thick, but I'm just not getting it....

 

You said to claim 8% to the date I file the claim.

 

So, all I did was add the dates in the spready or have I got that calculating the 30.87% ?... or have I got it wrong. How do I include the 8% for those dates.

 

Could you please have a look at the statements and the spready and tell me 'what' I need to pud in or amend.

 

Sorry, I know this is YOUR time etc. but I don't want to be wrong on either side. PLLEASE HELP me get this right.

 

Thanks

G

[dx100uk]

as post 61

 

get the statint spready

 

put in your total and the end date from the other spready

 

this will then give you the 8% statint figure you are entitled to

on your charges reclaim that you are entitled too.

 

dx

[G&J]

Don't know if I've done this right but here goes... Got my flame jacket on ;(

[dx100uk]

on the statin sheet

 

just the total from the CI sheet and the date. on line 20 nothing else...

 

so 19/3/2009 - 8% stat int on cancelled PPI reclaim - £2655.88

 

thats it

 

no need to list anything

 

dx

[G&J]

Ok, I think I've got it (at last)

 

So I'm claiming the 8% from the day it stopped until today? Which gives me £829.11 (interest) £3,484.99 - total

[dx100uk]

show me

 

dx

[G&J]

Here you go...

[dx100uk]

yep good wrapped up now then

 

dx

[G&J]

Just a quick question:

 

Letter is done and FOS questionaire is done....

 

Do I send both to cap 1 or just the letter regarding my claim?

 

Thanks

[dx100uk]

spreadies,fos cq + covering letter

 

all to cap1

 

dx

[G&J]

Spreadies....? Hmm. OK

 

Fingers crosssed....

[dx100uk]

well thats why you did all the spreadsheets

to show them you know what you are going on about

 

dx