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    • Hello.  I have Shakespeare Martineau chasing me for a debt at the moment.  I have looked them up and can't find out much about them, has anyone here had experience in dealing with them?   The debt is for electricity from a previous property.  I had a DRO, they asked for a meter reading and I gave one.  They wrote down the wrong number, and didn't write off all the debt.  I have been in touch several times, and even asked for a recording of the call to prove they wrote down the wrong number, but they didn't have it recorded and refused to acknowledge the problem.    Now, it's a couple of years later and I have Shakespeare Martineau chasing me for the full amount.  I'm receiving ESA and waiting to hear from my PIP claim.  I have mental health problems and am also in a deficit each month.  My savings are going down to nothing as my rent is too high, but due to the DRO my options for rental are limited as I have bad credit.   Anyhow, I'm worried that Shakespeare Martineau will take me to court and I'll get another CCJ.  In the past, some debt recovery companies have offered payment plans and reduced settlements.  Do Shakespeare Martineau ever offer this?   I have written to them to complain about their tactics.  They have not taken my mental health condition into account.  They are bullying me asking for full payment or else action will be taken.  They have not taken my limited financial circumstances into account.  They have ignored me when I tell them I do not owe that amount.  Classic bullying tactics... what can I do?   Thanks.
    • Hi Andy  taking this to the court today, do I need to send a copy to the claimant   thanks
    • Hi Andy,   No debt on my credit file for this.    
    • Hi and Welcome to CAG Dave.   Have you checked your Credit files to see if this debt is registered already ?   Andy
    • Hey CAG, I've had a letter from BW legal today claiming that I owe the sum of £182. I had a letter from another DCA about 18 month's ago for the same debt (Instant Cash Lones LTD t/a Pay Day Express). I've never had a payday loan other than from wonga in about 2010 which was paid back in full.  Upon speaking to their telephone advisor they told me the are unable to pass security as the DOB they hold on file is different to the one on the account. I sent them proof of my DOB to prove to them it's not me and they've now updated the DOB on file to mine.  They say I have until the 27th of july to pay up else they'll be taking me to court for a debt that's not mine.  Any idea what I can do here or what my next steps are or should I just pay it to protect my credit file?
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joox

Capital one Credit Card PPI claim

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same as you will if you fill out the cisheet properly as advised

 

dx

 


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Still adding the PPI charges to the CIS sheet.

do i add interest rate in cell 15D 

its seems its just adding all the charges at the moment 

Thanks, for the help and sorry about all the questions but there are no guides to fill out this sheet

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yes avg APR in cell d15


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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Update. Added all the charges into the excel and avg charge and the final amount is only slightly higher than the payment received. charges are were pretty low around £7 on avg.   

 

Was expecting around £2.5K as it was over 16 years

Hope we've calculated right!

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you put the avg APR int rate into box D15

you put each PPI payment on the date it was made into the 3 cols below date , description amount.

 

not sure what you mean by avg PPI payment, you should ever be using an AVG payment unless you have monthly PPI data missing THEN you would input an AVG payment of the nearest 1yrs PPI payments.

 

dx

 


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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From my calculations, it's not much more than what they Plevin payment they have offered.

Or maybe i can upload here to double check?

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Yep drag to below


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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now go back and read post 30 re interest you can charge them.


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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10 hours ago, dx100uk said:

now go back and read post 30 re interest you can charge them.

I did, not much more than plevin payment it seems. 

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a card is atleast 29% not 8%!


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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right so we believe with the avg APR of 29% the amount could be in excess of £3K 

What is the next step? do we complain through the financial ombudsman?

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no not till cap1 refuse your claim.

 

use the FOS customer questionnaire you can get from the FCA PPI website

send the spreadsheets

and that to CAP1

with a covering letter that you refuse the £1200 plevin offer you owe me this....


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Actually found out the APR is 35.9% which makes the claim over £14K. Does this make sense as it seems to be a quite a lot !!! 

 

APR 35.9 yearly

2.8% monthly 

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pop up your xls file please

 

no use the 

the PPI complaint form on the FCA PPI website

https://www.fca.org.uk/ppi/how-to-complain

 

 

PPI cover letter.doc


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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2
57 minutes ago, dx100uk said:

pop up your xls file please

I have uploaded here already 

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yes I checked it earlier with the right int added in D15

looks ok to me


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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14K sounds right? wow hopefully they will pay and will buy a drink or 2 :)

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if the card is still active then yes


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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One last question and appreciate your patience, We called to find out the APR and the % we were told the annual APR 35.9%, so do we need to work out the average over the last so many years?

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On the statements, the annual PPI charges are around £70/80 per year, just want to make sure where does this £14k come from?  

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compounded int at their rate going back 12yrs?

but they'll put you right on the earlier rates im sure

worth a punt!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Is this the  FOS questionnaire to be sent to Capital One?

FOS Form

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No

The customer questionnaire.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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