PPI and CCA

[andyford2000]

is it possible to request to see both.

 

if so, do you have to £1.00 for each

 

helppppppp please

[alibobsy]

Surely most PPI policies are added on at the beginning so would be on the agreement. So if you CCA request you can see if the PPI was on the original agreement (if they can provide it) Of course you could just do a full SAR and ask for all docs/info they have on you and look for charges as well as PPI

good luck

ali x

BTW I'm no expert just using info I gathered from experience and from the great guys who post on here

[andyford2000]

I was just wondering if anyone knew if there was a standard letter somewhere to send to capone requesting my PPI payments back. I can honestly say that I never ever asked for it, and looking back over my statements I see that they actually stopped taking payments for PPI in February this year, now considering I never asked for it neither asked to cancel it.

 

something doesnt quite add up here, so i want it back, can i also claim interest too on these PPI payments, if so whats a reasonable amount

[andyford2000]

bump

[andyford2000]

please help someone if possible,

 

looking for a letter template to reclaim PPI from Cap one and Amex

[rory32]

Have a look here http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

[pennypenny]

Hi Andy,

Try this link:

 

PPI - Some Notes for Claimants..

 

There is some letter examples on there if you scroll down a bit on the first post, you just need to adapt them to suit your claim. I am just begining with a couple of PPI claims after being successful with some bank charge claims and I must say I'm finding this a bit more difficult.

Good luck with your claim.

Penny.

[pennypenny]

Ooops Rory beat me to it, I always was a bit slow:lol:

[andyford2000]

thanks for the pointers here Rory32 and pennypenny

 

I have asked for a copy of my CCA agrement and as of yet, it hasnt turned up..

 

any by the by here, i never actaully asked for this insurance and by some kind of magic they stopped taking payments in February or March of this year, which makes me think they should never of been taking it in the first place, as i hadnt asked them to cancel or stop taking payments.

 

So I am led to belive that they have just taken payments for the sake of it.

 

the letter templates I have come across all relate to mis-selling of the policy. As i wasnt mis-sold it, they just took it anyway pmsl at these buggers

 

anyway, I was wondering if there was some kind on template out here I could use to ask for my payments back with of course interest

 

help please anyone

[lesleyjane]

The exact same thing happened to me with Halifax credit card. I never signed for PPI on my application -they simply started taking payments in 2003 until I closed the account. When I queried it they said that they added PPI following a phone call to me in 2003. Now I KNOW that I would never have asked for PPI or agreed to it under any circumstances.

I wrote a letter to them in early June 2007 asking that they investigate this urgently. I received a letter yesterday telling me that they had completed their investigations and they are upholding my complaint!!

They said "We have been unable to determine whether you were in fact eligible for the cover provided, or indeed if it was suitable for your needs."

 

I am now almost £500 better off - for writing one letter.

 

I would urge anyone who thinks they have been mis-sold PPI to claim back their payments. In my case I truly believe that it was added without my knowledge or authority. Halifax must agree with this because of the ease in which they have refunded the payments.

[reidnet]

Well done Lesleyjane....

 

It is time we all stood up to the bad practises of these outfits..

 

Ian

[andyford2000]

the problem being, i have asked to see my CCA and they havent sent mine, just a copy of the current terms and conditions. so I am trying to find a standard letter asking for the payments back with the 8% interest. the only letters i can find are in relation to mis sold ppi

[andyford2000]

planning on sending this to them,

 

am i right in doing so, is it worded ok

 

Executive Office

Capital One

PO Box 5281

Nottingham

NG2 3HX

30th July 2007

 

Request For Repayment Of Charges

Dear Sir/Madam,

 

ACCOUNT NUMBER: 1212121212121212121

On checking my statements recently sent to myself in reference to S.A.R. – Subject Access Request and subsequent CCA request.

I notice that over the period 07/02 – 06/07 I have been charged £273.39 in -Payment Protection fees .These payments ceased after 02/07.

I would like these charges explained please – I have no knowledge of signing any document regarding payment protection.

I am therefore requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act.

I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then I request my money back - £273.39p , I also wish to claim interest of £229.34p making a total of £502.73p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 7 days otherwise I will have no alternative but to pursue this matter through County Court.

 

yours faithfully,

 

 

 

 

 

 

[dollies01]

Reads fine to me, my only concern is that you are only giving them 7 days.

I think you have to give them 14 days, or the courts will say you werent fair.

Only think mind, not certain!

good luck

[andyford2000]

thanks dollies, will change to 14 days

[andyford2000]

this is the reply i finally received from them,

 

please can people give me there thoughts.

 

I can honestly say that I cannot ever remember asking for this on application, they havent supplied my any documentation to say or prove this. Even though i enquired about making a claim under it, doesnt mean I actually requested payment protection. in either case why did they suddenly stop taking payments earlier this year.