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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Friends PPI Reclaim to Cap1 **WON**


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I am helping a friend with a PPI claim

 

, I recently sent off a SAR to Capital One

, within two weeks they sent her a bundle

, in it was the original agreement,

 

the PPI yes/no boxes were unticked and yet when I went through the payment/charges sheets they showed itemised PPI charges for £134

, the actual card limit was only for £200 but it ended u over £400.

 

I would like to claim back the PPI for her even if it only serves to reduce the amount she owes, and obviously she can't claim interest because the interest has been frozen on her debt as part of the CCCS and DMA agreement.

 

Can someone tell me how to word the letter with the Plevin ruling in mind.

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Why go plevin?

Has she already been refused the actual ppi back?

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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Then get a ppi claim running

And yes gou can charge at their int rate till they stopped it

Foscisheet spreadsheet

Fos questionnaire

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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The Accounts page they sent said the Lifetime APR was 28.5%. The account was opened 18/02/2002 and was closed 21/01/2008.

 

early interest rates started at/about 13.9% only went higher after 2007??

 

That same page states....Total charge for credit with interest - 28.5%.

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I also noticed that on the page which summarised the PPI all the boxes relating to PPI are blank..

..Insurance type..blank

. Ins enrolled date..blank.

Enrollment channel...blank.

Product sold...blank.

Insurance claim status...no data.

PPI canc date..blank.

PPI canc reason...blank.

DAte ins cancel prenote...blank.

Date ins suppressed...blnk.

I'm looking at the form that she completed, FORM 3572 APPLICATION CERTIFICATE. At the bottom of the form it states Credit Card Account Agreement. Signed by herself and Capital One agent.

Edited by dx100uk
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It will have been changed after a phonecall where supposedly you had to phone to activate said a sticker on the card

Truth is

Is was not needed fo activate the card

But to activate the ppi

Very well known cap1 sc@m in numerous threads here

 

You use the highest int rate you can find

Let then prove you wrong

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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Dont worry about it

Means nothing

Put in a claim

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

down load open office

its free

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

you use the FOS questionnaire and a very simple covering letter

http://www.financial-ombudsman.org.uk/ppi/im-looking-for-your-ppi-forms.html

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

print to PDF first.

 

why is it so low

attach you spreadsheet read upload

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

I downloaded the ppi spreadsheet but the spreadsheet links here all come up as WORD versions,

 

I downloaded it and saved it,

then opened it and chose the option to send it as PDF to open office.

 

After filling in the dates and charges I tried to print it off, it will only print off roughly two thirds of the width, it will not print the info...claim calculation, and compound interest.

 

I drove over to PC World and their KNOWHOW guy spent half an hour trying to work out the problem

 

, in the end he said it was a XLS form specifically ford WORD and that I should find another version suitable for open office.

Does anyone have any suggestions.

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Save as.xls send as xls

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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When you print tick fit all column s to page width

Useless pc world!!!

 

Download the file from here again

File save as. Dddd.XLS

Then it will work directly in OO

Why you had to pdf it no-one knows!!!

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

I really appreciate all your help but I'm going to have to call it a day.

 

I now have seven versions of CISheet v.101.xls and all of them show up perfectly on OO, I even completed filling one out last night, all of the charges and interest, everything was fine until I went to print it out.

 

When you go to print preview it shows the page cut off after " amount of charge ". everything else is OK...Personal details, date of charge and description and when you print that's exactly all you get.

 

I can remember doing spreadsheets for bank charges and not having this trouble, the printer I have is an EPSON-442, almost new so that can't be the problem.

 

I've had enough for the day, I'm going to have a very severe rum & coke and leave it until tomorrow.

 

Thanks again for help.

Edited by dx100uk
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Fit cols to page width

Its a tickbox when you hit print in OO

If you want pop teamviewer on your machine and pm me the id and password and ill connect and show you

conchy_joe said:
I phoned the FOS this morning regarding a query on the online form and they said they cannot act on this matter until I have a final response letter. Could you tell me where I can find a template to complain/claim.

why are you phoning the FOS?

it s a form you send to the people that charged you PPI

nothing to do with them yet..so what was your question?

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

I phoned the FOS because their form had two meaningless questions re her problem,

1st," When was the policy sold to you ", It wasn't it was added later by Capital.

 

2nd, " why do you think the policy was mis-sold ", Same answer.

 

This morning I was looking through her Capital papers and noticed that the card was taken out in April 2000 and the first statement that they issued was in May 2000, but the actual itemised description of payments and charges only begins in Feb' 2002, that's around 20-21 months of PPI which I am unable to calculate.

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