Money claim template for PPI

[I hate paying fines]

Please help me to file a PPI claim through CCA, from Capital 1, who has settled my PPI compensation with a debt. already sold to a DCA.

To the best of my knowledge the calculation of redress was not done correctly either.

 

Also I want to take Genworth to court for not calculating my PPI correctly and not explaining as to how they calculated my redress.Where they got the fig. of premium paid as only few statements are available.

 

Both of them will come into small claim category.

[citizenB]

I will try and find someone who can help. We don't actually have a MCOL template as each situation is different.

 

Can you please clarify the details ..

 

You made a claim for refund of PPI to Capital One - although the account had been assigned to a 3rd party (DCA) There was a balance outstanding and Capone gave the refund to the DCA, yes ?

 

Who are Genworth ? Do you have a thread in respect of the original claim to Capone ?

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?333889-PPI-claim-from-Capital-one/page2

 

This appears to be the original thread - when did Capone settle your claim as the thread above is from 2012 ?

[citizenB]

Having done a google, it looks like Genworth might be a Claims management company ? Why on earth did you use one of these when you could have done this yourself ?

 

I am assuming that you also need to pay them a percentage of the claim - which you didn't receive because it was paid direct to the DCA ?

[I hate paying fines]

Having done a google, it looks like Genworth might be a Claims management company ? Why on earth did you use one of these when you could have done this yourself ?

 

I am assuming that you also need to pay them a percentage of the claim - which you didn't receive because it was paid direct to the DCA ?

 

No its not a claim management company,

they are the underwriters for Debenhams Store Cards.

 

 

They have accepted my claim but offering me very little redress.

 

 

My account was opened in 1995 and closed in 2005.

 

 

I have few statements and average PPI payment comes to £1.80 a month,

They have their figure which they cannot verify as to where they got it from as I did send SAR,

there is nothing in the documents to suggest any source of information regarding PPI payment exept the one I gave them.

[I hate paying fines]

http://www.consumeractiongroup.co.uk/forum/showthread.php?333889-PPI-claim-from-Capital-one/page2

 

This appears to be the original thread - when did Capone settle your claim as the thread above is from 2012 ?

 

Yes They accepted my claim after FOS told them to,

but without my acceptance of redress they paid all the money to DCA,

 

 

I did complaint to Cap1 but failed to go back to FOS.

 

 

It was 2013 they accepted my claim.

 

 

Now I want to take them to court,

I need to know how to go about it,

 

 

Shall I give my own fig. of redress ( what I think they should have paid) or leave it for court to decide,

 

 

Should I include 8% or leave it for court.

[citizenB]

You will have to support your figures with proof eg statements showing the amount of premium you paid each month.

 

I am not quite sure about the 8% interest. I will ask someone to look in and advise.

[theoldrouge]

Can you confirm that your Cap One account was actually SOLD to a debt purchaser

 

rather than just a dca collecting

 

It would be helpful to post up your spreadsheets

 

as well as full details of their offers of redress

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?399356-Update-on-Genworth-Finance-G-E-Financial-Insurance&highlight=Genworth

[dx100uk]

you need to bear-in-mind

 

 

the OP is looking to do 2 claims

 

 

one against cap1

 

 

one against genworth [store card PPI]

 

 

dx

[I hate paying fines]

Can you confirm that your Cap One account was actually SOLD to a debt purchaser

 

rather than just a dca collecting

 

It would be helpful to post up your spreadsheets

 

as well as full details of their offers of redress

 

Yes it was sold and I have a letter to prove that. I will post the spread sheet tomorrow as it is on the other Laptop.

[I hate paying fines]

Thanks dx, you got it.

[I hate paying fines]

I also need information about a scenario, where a bank take legal action to recover unpaid loan and go for a summary Judgment and loose, The judge said to the bank that the case has to go for a full hearing, if Bank wants to resolve it. After this bank stayed quite for nearly 2 years. what I want to know is that, how much time does bank have to reopen the case before it is time barred.

[citizenB]

Once a claim has been issued - the Statute Barred clock stops, IHPF.

 

What type of defence had you put in ?

 

You might find it easier to start another thread for this particular issue - too many in one thread tends to muddy the water.

[theoldrouge]

both spreadsheets, letters of redress for both, and date of ac sale please IHPF

[I hate paying fines]

attached offers letter from Cap1 & Genworth Financial, both have start & finish dates along with spread sheets. Let me know what you think?

Thanks, Regards.

Capital 1 total amount of PPI payments are same, but PPI amount of Genworth showing 51p a month, where my average is £1.73 a month, which is an average of few statements I have.

[theoldrouge]

cant read your redress letters far too small, please convert to pdf

[I hate paying fines]

I have to get it scanned tomorrow.TOR