Cap One PPI - What to do next?

[dx100uk]

comp int stops the day they stop charging it

[G&J]

Maybe I got that wrong... I mean the 8% or something we are entitled to as on the spreadsheet... Does that figure stick at when I submitted to Cap One or is it still running....

 

Any objections to posting my FOS app or giving advice?

Thanks again

 

G

[G&J]

Can anyone advise me on the 8%.... do I claim it to the present day?

 

Thanks for any advice

 

G

[dx100uk]

8% runs on the total figure of & from the date your claim at their int rate ends , to the date they settle

 

leave the stat int sheet claim to date box alone

 

it will auto update itself

[G&J]

Great stuff ... thanks

 

Going to put my FOS claim together this next week, so do I include all the corrispondance between me and than? (as a case) or keep it simple?

 

Very lost on all this but not giving up!

[dx100uk]

if you are going to the FOS

 

then you include literally everything

 

dx

[G&J]

Did not really want to go there but can't for the life of me think how to tackle them from here on... see post above from the Brig. UNLESS you know better (and I know you do)

 

Sorry.... just feel abandoned..... Reading this long, long thread.... What oulf YOU do?

 

I NEED further advice, please

 

G

[dx100uk]

what would I do

 

ask them for the transcript of the call

 

that enter just shows that a call was made and the PPI was added

 

it says NOTHING about WHY and the PROCESS they went through.

 

read alanalans thread

 

ok cap1

 

you've proved that you added PPI after phoning me on DD/MM/YYYY

but that does NOT pROVE I agreed to it being ADDEd or

not being told I MUST HAVE IT

aby the advispor.

 

I was self employed, so it was USELESS tom e

why if your advgvisor HAD done their job

 

would theyhave advised me to take out PPI if I COULD NOT EVER CLAIM ON IT??

 

dx

[G&J]

Ok, DX or Anyone...

 

Been a little long in getting around to this (disolusioned I guess) but here is the reply I intend to send to Cap1. Bearing in mind that their last reply said it was the last word in the matter and I would have to go to FOS (see last pdf posted earlier)

 

Is there anything I should add or take out? Am I on the right track?

 

This has been going on now for almost a year.... is that normal?

 

Thanks

[theoldrouge]

just read through your thread, a few points to mention.

 

As Mike 770 said at post no 101,

 

the t&cs you have been provided are NOT the original.

 

For a start in 2000 cap one address was -350 Euston Road, London NW1 3JJ (not nottingham as per your t&cs, and the t&cs bear no relation to the t&cs for 2000.

 

You mention self employment in your letter to cap one,

 

The unemployment benefits only became payable on Business Failure(you would have had to cease trading totally and permanently

as a direct result of inabilityto pay business debts as they were due)

 

so this was a significant and onerous restriction,

 

something with which someone who was employed would not have had to comply with,

 

hence the missale of ppi to self employed

[theoldrouge]

just checked from 01/04/2000 (approx date of your agreement) the t&cs start with we,us and our mean Capital One Bank, 18 Hanover Square, London W18 9DA

[dx100uk]

I would keep your letter BLUNT

 

don't give them room to wriggle

 

 

please provide me the evidence, that, in the alleged phonecall you refer too, I SPECIFICALLY asked for PPI.

 

all you have done so far is refer to an entry in a log, that say, iagreed to it.

 

I did not, please provide PROOF, via call transcript.

 

etc etc

 

dx

[G&J]

Hi dx

I'm attaching the amended letter... is this more to the point?

 

G

[dx100uk]

yep much better

 

add to the bottom a line which says something like:

 

what OR wrote above:

 

The unemployment benefits of your PPI cover would only have became payable to me on my complete Business Failure,

(whereby I would have had to cease trading totally and permanently as a direct result of inability to pay business debts as they were due.

 

if, as you claim, I agreed to the PPI cover over the phone, then had the above been explained to me by your advisor, then I would NOT have taken it.

 

my PPI claim is still outstanding at £XXXXX and is incurring daily interest.

[G&J]

Thanks dx

Amended and will send tomorrow..... another 10 week wait lol

 

Thanks for your help again

 

G&J

[theoldrouge]

yes, that way youve got them both ways,

 

 

if capone keep insisting that it was an advised phone sale,

first the advisor should have considered if the policy he was selling was suitable for your needs.

 

 

To do this he should next have enquired as to your employment status.

 

 

Having been told self employed he should have advised you that you could only claim as a result of total business failure, so totally unsuitable

[G&J]

Well it's been 6 weeks now and no reply at all.... Any advice on what to do next?

 

G

[dx100uk]

give em a ring?

 

 

dx

[G&J]

So here is their reply after all this time. Seems I'm shafted big time and I've lost the claim. If I had gone to a firm of solicitors at least I would have gained SOMETHING. Disappointed!

Edited November 22, 2013 by dx100uk
barcodes etc in att unapproved - dx

[dx100uk]

huh why would a CMC had any more powers than you ??

 

 

they DONT!!

 

 

dx

[G&J]

Well after reading that letter I can see no way of continuing... They won't give in and they say it is Time Barred. Is this true?

 

Is there ANY avenue left open to me now? If so let me know how to go about it please.

[dx100uk]

the claim is NOT CLOSED

 

 

PPI is not ticked on your agreement

 

 

and there is no PROOF YOU actually agreed to the PPI in that phonecall

the advisor ticked it to gain commission out of you.

 

 

and anyhow they knew you were self employed so the PPI was useless

 

 

FOS time me thinks, open and shut case me thinks

 

 

though you've not helped yourself here by taking so long to actually do anything sometimes.

 

 

dx

[G&J]

Yeah... I know. Just other life problems sometimes get in the way. Anyhow, could you please just tell me how to go about the FOS?

 

I am assuming including:

1) The 'original' SAR copies, I have 3 all different in what they included and there is too many pages to photocopy.

2) Copies of all letters I hae sent them.

3) Copies of all Cap replies.

4) The FOS questionaire.

5) A covering letter.

 

Is that everything?

 

Thanks DX

[dx100uk]

spreadies

all letters from you/them.

FOS CQ and covering letter.

agreements too and the RELEVENT SAR comms log entry.

 

 

you can tell them you have the full sar twice

and they can ask for it if they want it.

 

 

I've before now used a cheap penstick and scanned the lot

and included that with the file.

don't forget to write a separate letter of complaint outlining

an over view of WHY you are going to the FOS.

 

 

might be an idea to ring them

 

 

they are very helpful and will tell you what they want.

 

 

dx

[G&J]

Thanks for yur help dx

 

Will crack on with it