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Hi there..

I am just about to start the process of claiming charges back from capital one credit card...

I took the card out about 6 yrs ago...i was on benefits and cap one knew this.They advised me to take out ppi, so i did.

Well i am now over my limit on my card due to charges as a few months ago i got into financial difficulty and even though i contacted cap one about this, they continued to charge me, which has resulted in me now being over my limit.

I remembered the ppi, so contacted cap one thinking this should help me a lot. Cap one told me they dont deal with the ppi and gave me a number to phone.

I phoned this number and was told i could not claim a penny as i am not in full time employment....and as i wasn't in full time employment when i first got the credit card, i should not have been sold the ppi!

There was nothing the ppi could do and i was told to contact cap one again, which i did and was THEN told it basically had sod all to do with cap one!

PPi is still getting taken each month along with the charges, so i am getting more and more into debt!

Unfortunatley i do not have any proof of cap one mis-selling me the ppi.

The ppi totals up to about £360 SO FAR...money i have had taken from me, when there was NEVER any chance of me being able to claim anything!

Im going to try to cancel the ppi(I can never seem to get through to the right person to cancel)!

Is it possible for me to get any of this money back?and if so on what grounds?

My husband is now in full time employment, im not sure whether it would be worth me trying to claim on the ppi again(although his name is not on the card...it is soley mine)

Im really annoyed about this!:x

Any suggestions?!

xx

  • Haha 1

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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So using the OFT report of October 2006 (OFT869) and page 14 section 3.5

"Common minimum requirements for PPI are that a consumer must be living and working in the UK, be agedat least 18 and under 65 years, and be actively employed for at least 16 hours per week and have been so for a specified period of time"

 

Think you have case here, so sendLBA away listing charges for PPI and take it to small claims court.

I wrote to MBNA, because I took oy card two months before Iretired. cannot recollect taking out PPI, because that was always against my income conditions, in that I was in tenured position until 65, so would always have income. As I said two months later I had to retire due to ill health and have been oaying PPI since. Todays post brings in letter, giving me cbback mty PPI for the last year plus interest at 22.9% and they have ordered the previous years records from archive, and they will refund those PPI contributions also.

 

So persevere and best of luck

 

MBNA do sem to be taking this more kindly thatn other companies like Capital

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Thankyou for that, Bandonbhoy!

Will make a start straight away...

 

Oh...should i send a SAR first? As i do not have all my cap one statements so do not have all the ppi charges..?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Share on other sites

  • 1 month later...

Received statements back with p.p.i payments...will trawl through them and then get my pre-lim letter sorted.....Can anyone tell me where i should send the pre-lim letter? I don't think the p.p.i are directly linked to capital one are they?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Share on other sites

Hi willow My ppi claim is thru allience and leciester and i know there ppi is sperate too.

I sent my prelim letter to the address they gave with my statements and it soon found its way to the right person!

 

Dont know if anyone else can help tho???

 

Delly x

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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I think maybe i will phone them tommorrow and see if i can get an address out of them!

Thanks for replying!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Share on other sites

claiming ppi....am i to fill out a spreadsheet for this, and should i claim any interest...what spreadsheet should i use?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

claiming ppi....am i to fill out a spreadsheet for this, and should i claim any interest...what spreadsheet should i use?

 

Hi Willow,

.. Do you pay for your PPI monthly ? If so I would use the same spreadsheet as for bank charges and work out the interest on each payment that you have made. Remember to use the same interest rate as they charge you.

 

If like the one I got ripped off with , was a single payment PPI, I would claim the full amount plus interest from the date the policy was taken out.

 

Good luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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It is a monthly ppi, but i didn't realise they charged me interest, so am not sure how to work out the interest!!!

I'll have to have a look at my statements again, and if i have no luck then phone the credit card company?....

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

I would try and claim Interest of 8% APR on each payment, this is the rate that would be acceptable if your claim went to court. Basically that is an acceptable level of Interest to the court for loss of use of the Money that was taken as PPI Payments.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Share on other sites

will do that then....8% sounds good and stops the hassle of having to phone capital one!!!

Thankyou, reidnet!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

will do that then....8% sounds good and stops the hassle of having to phone capital one!!!

Thankyou, reidnet!

 

No problem..

 

Good Luck

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

My pre-lim letter shouldn't contain 8% interest yet..is that right?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

My pre-lim letter shouldn't contain 8% interest yet..is that right?

 

If you know all the dates that the PPI premium was taken you could add 8% Interest to each charge based on 8%APR the same as you do with the bank charges.

 

Maybe someone else will comment further on that , The only PPI I have claimed back have been single Payment Policies..so easier to calculate.

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

8% on each payment???!!!

If anyone could confirm that, please?!

I have already sent my pre-lim, but that shouldn't contain the 8% anyway should it.

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

8% on each payment???!!!

If anyone could confirm that, please?!

I have already sent my pre-lim, but that shouldn't contain the 8% anyway should it.

 

Yeah I would go for 8% APR on each payment taken, You can use the spreadsheet from the bank charges to work out the actual interest on each payment. After all they Mis Sold you the product and have denied you the use of the money taken in way of premium. Much the same as the banks deny you access to the money they take in way of charges.

 

I would include the Interest in Prelim and LBA. The if you go to court stage add Juditial Interest of 8% APR per day, from the date of your claim to date of settlement or Judgement.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Ive already sent the pre-lim though...am i too late to add contractual?Or can i add it in LBA?

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

I think maybe i will phone them tommorrow and see if i can get an address out of them!

Thanks for replying!

 

Hi, sorry to gate crash you but did you manage to get an address from Capital One to send your letters for PPI. We are claiming PPI but the letters keep geting passed around. we also telephoned, it is just hopeless.

 

Would you mind letting us have the address it you have it

 

Good Luck

Many thanks Lynn

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Sorry...didn't realise you posted here!

Have you sorted it out yet?..if not i sent mine to..

Capital One

250 Euston Road

London

NW1 3JJ

...although i havn't received reply yet...

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

I am not happy now!

I received a letter today from Mr Udy...basically he has paid the ppi back that i requested, but the money went straight back to my credit card account and has therefore got eaten up as i am over limit (due to charges!) I also didn't get the chance to add the interest!

Im just about to send my pre-lim letter to capital one for the charges back, but i wasn't really expecting to have the ppi put back there!

Is there anything i can do?

xx

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

Link to post
Share on other sites

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