capitalising on capital one

[jubaxt]

hi sowerby-dont mean to put a damper on this but i understand from cci-lost-precedent thread that it is difficult to go to court and win cci after they have settled-am i missing something or have i got my wires crossed?i'm also waiting for my settlement inc cci so hope i've mis-understood

[jubaxt]

thanks curly ben-just cant seem to get my head round the implications/terminology!!!!!!!!!!!!

 

not thick really-just STUPID.lol.....................................

[jubaxt]

hi sowerby-in the same boat as you-got settlement offer today-£1300 short as like you i've been offered 8% rather than 29.9% which was used on my account-(i sneakily called and checked this just before i did spreadsheet)

 

dont know what to do-£1300 deficit is a lot but dont know whether i've got the nerve to take it to court-can you pm me when you get a response from your letter please

 

ju

[jubaxt]

i also claimed 29.9% cci-what did you do after receiving partial settlement-how come you've got aq to complete-did you just tell the courts that they had only settled partially in your response form and plan to carry on as though they had not paid-does this make sense-heads elsewhere today.lol

[jubaxt]

which number did you call them on-might give it a go myself

[jubaxt]

how did you manage to speak to the legal dept-its worse than trying to get through to the queen!!!!!!!!!!!!!!!!

[jubaxt]

just as a matter of(interest)??-you wouldnt happen to be one of those people dealing with these claims would you??????????????????

[jubaxt]

i may be wrong but i gathered that it was not in a high court and also that it was against a bank claim not a card claim-please enlighten me if i am mistaken

[jubaxt]

why do you keep making these statements with no back up information-where exactly do you get your info from-or are you just assuming??????

 

how do you KNOW this will go to court??-if you do then on what grounds will this case be lost-you obviously know the reason to make these comments--or do you REALLY know quite as much as you think you do????????????

[jubaxt]

good luck km_s

[jubaxt]

when are you going to take next step km_s?

[jubaxt]

you really come across as having a chip-or potato-on your shoulder!!!!!

 

why are you even posting on here??-we try to help others on here-you obviously always pay your bills on time-but take heed you never know what is round the corner!!!-i was fine until my mum was taken ill and took time out to nurse her!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

i lost my salary!!!!

 

as for people making a profit-this is not the case!!they are claiming back what they are rightly entitled to!!!-if these extortionate charges ahad been in a savings account they would have gained interest!!!!!!!

 

i would choose your words very carefully

[jubaxt]

i think i can speak on behalf of other site users-we are open to opinion-thats fine.we probably all put our hands up and say yes-we would prefer to not have been in a position where we have not had to suffer bank charges BUT--

What we are against is being charged for example-£25 for a visit from an office 6 miles away-£35 for letter writing and in some cases £10 for a local rate phone call-if we were to claim these charges back without any interest we would probably be 'better off' than alot of people who have never paid a bank charge!!!!!!!!!

 

i think that what is upsetting many people is that you cant substantiate your claims-eg you claim you KNOW this that and the other but are not saying how or perhaps you're just one of these people that are always right and always know best!!!!!!!!!!!!!

 

so come on then, substantiate your remarks and at least start getting your facts right!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[jubaxt]

oh and btw-if these charges are fair-why has no bank stood up in court and justified their rates???????????????????????????????????????????????/

[jubaxt]

aaaaaaaaaaaaaaaaaaaaaagggggggggggggggggggggghhhhhhhhhhhhhhhhhh-lol

[jubaxt]

bangs head against a brick wall-ouch

[jubaxt]

lol-ring that bell-ready for round 2!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[jubaxt]

is it worth callin crap one sowerby??????????????.i'm waitin for my cheque to pay fees for another claim oh and to have a little more spending money for my hols!!!!!!!!

[jubaxt]

5 weeks today i'll be on one of those big birds in the sky-cant wait-sea,sand-good food and hopefully a bit more dosh!!!!!!!!!!!!

[jubaxt]

you know i could have claimed ppi do you??????????????

 

FACT!!!!!!!!!!!!!!!-----i was a casual worker so no I would not have been entitled to ppi--understand the meaning of fact?????????????????

 

because i was a casual worker-despite working an average of 37 hours a week-i could not claim compassionate leave or sick pay-i had to take leave without pay whilst mum was in intensive care-i really wish you would get your facts right

 

 

ALSO- i have worked in a city accident /emergency unit-you try telling bereaved parents of kids killed in motoring accidents that a speeding fine should only reflect the cost of the photograph-i really think you should keep your opinions to yoursel. how can this be compared to letter writing and phone calls??????????????

 

at the end of the day-as my friends on this site stste-we have all prob come across mis-fortunes like illness,job losses,family crisis and personal problems but that doesnt give banks the right to take the mick-as i've said before , you dont know what might be around the corner so i'd tread very carefully-and i am talking from experience!!!!!!!

[jubaxt]

right-if i could have claimed ppi as a casual worker then

a)-why have i just won a case before court for being mis-sold ppi????????????????????????????????

[jubaxt]

i am not going to respond to your posts anymore all i ask is-see beyond yourself and your ideal obviously flawless life-believe me-in my profession i deal with people from all walks of life with MANY problems and get a great buzz from helping them-oh and have you fount THE answer to the previous post????

 

there are many casual workers without contracts who, as i was,are sure they cant get ppi to cover them if they are ill-perhaps you're the person who can actually help in advising them otherwise!!!!!!!!!!!!!!!!!

[jubaxt]

you know or -(seem to think you know) so much about crap ones ppi and their policies and proticol on charges so you must be one of their DEDICATED staff.

 

you know all about ppi-i know nothing-so why have i just won a £1300 claim BEFORE i even issued a court claim??????-perhaps it was out of the goodness of their hearts.LOL.So youre telling me that if i work as a casual worker which means that i may have no work for the next three weeks and then say,6 hours the following week followed by lets say 10 hours over the following 3 weeks-crap one ppi will pay my credit card bill of say £200 when i go into hospital for the next 12 weeks for abdominal surgery-

 

you also KNOW that crap one will win if cci is taken to court-take a look on the crap one threads-YOU'RE WRONG-read km-S thread-he has filed for warrant of execution and is claiming cci-perhaps youd like to spend some of your valuable time reading the successes with ppi-and i'd better not assume that as this is office hours you would ever dream of pilfering work time by using the computer and time for your own benefit..tut.tut.costing your company money which could affect all those others pay rises-ah just nipping the bud..............

[jubaxt]

i agree clarion-there is much more small print on a ppi policy than some people think-i won a claim for ppi,with cci-not crap one though but it would be interesting to see crap ones ppi t/cs

 

most do not cover pre-existing medical conditions/casual work/e.t.c

 

and many people are sold it when they either dont need or dont want it.

 

70% of ppi policies are actually mis-sold!!

so if anyone has a policy -look into it

[jubaxt]

my ppi/claim wasnt with crap one -it was with another company-i did loads of homework and when i rang the insurance claims dept -(pretending to be a potential claimee) i found that i wouldnt have a valid claim because i was a casual worker.

 

i then used this info to subsequently go on and have refunded my whole ppi,the interest theyd added to the premium and cci on top.

 

they also paid back £380 worth of charges on the account and cci on those aswell.it took my outstanding balance from £3322 down to £1680.

 

i ahve also helped fellow colleagues at work fight against mis-sold ppi with different institutions and theyve all got it back before filing in court.

 

out of 6 cases-all with different companies-not one was valid either due to pre-existing medical conditions/not working over a certain amount of hours/not having been in continuous employment for a specific time.

 

this is what i base my opinion on-experience,research and the fact that all these companies admitted wrong doing and avoided the courtroom door!