sorry for a late update. I have tried calling them but i could never speak to the person who I addressed the letter to. Needless to say I have not heard anything back from them since March. Thank you all for your help and advice.

yes, they have definitely signed for my letter I have a proof. I will just wait and see how it goes.

are they not suppose to send me an acknowledgment at all ?

Hi, hello everyone. I am after some advice on CapitalOne PPI claim. I have found out after going through my statements that CO have been charging me monthly PPI fee for over 6 months which I then cancelled. It is clear that I was mis-sold that when I knew I cancelled it. I have all the letters and statements on me. I have sent them a letter to ERC department which I found after ringing them which they advised to send them letter to. I followed advice off http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance and sent them the questionairre about a month ago which I know they have received as I sent it recorded but haven't heard anything back from them. What should be my next step please? Any advice would be appreciated. thanks

sorry didn't get chance to ring them today. Will ring on Mon for definite. I managed to speak to my friend who were the driver of the vehicle. They have sent him the exact same letter they sent over to me. He says he called them and spoke to the person who was dealing with his case and told her about everything and she said that it is not her it is Mr Vincent Gray doing this and that he should write a letter to mr gray if he has any issues.

no mate. i will ring them today

haven't abandoned this thread. Nothing received back from them. They definitely received my letter which was signed for.

no I haven't received any reply yet. I posted it recorded delivery so they definitely have it. will post up if i get a reply.

don't know but the post is gone but I have got it in inbox somewhere so will dig up and post up here. to answer the question, D&G were the only sols i went to at first place but not directly, a company CM Sols were involved who passed my details on to D&G. the driver was insured as his insurance has already paid him for the car that was a write off and time off work as well. The only email i sent to D&G were to stop going ahead was when they wanted to charge me and i just told them I would find another sol thats it. No fraud involved as far as i know plain simple honest case as a passenger.

just an update, haven't abandoned the thread, just waiting for a reply from D&G. Also, had an update from my friend, he says he has already been paid money for the car that was written off and he also had been using a courtesy car from insurance while they were sorting him out.

ok got it

thanks mate. below is the final draft i will be posting tomorrow. Dear Sir. I am in receipt of your letter dated 22 Feb 2012. I received a letter in 28 November 2011 where it was mentioned that due to the nature of the case, you were not going to deal with the case on a NO WIN NO FEE basis and hence, asked for £1500 before you could continue any further. It was also stated that if you do not hear back from me within 2 weeks that you would assume the case to be closed. I sent you an email on 30/11/2011 stating that I did not want to pay anything and to close the case if you were no longer dealing with it under NO WIN NO FEE agreement, which we had. I strongly believe that my claim has been mishandled. I was also under the clear impression that your company were offering a NO WIN, NO FEE service, if I had at any stage known that you were attempting to mislead me into paying, and then I would not have progressed at any stage. As you wanted to charge me for my claim, the only other option you gave me was to abandon it and now you have sent me a massive bill amount. I believe that your attempts to make me pay are potentially an offence under the Consumer Protection From Unfair Trading Regulations 2008 I will not be making any payment whatsoever, if you continue to harass me then I will take the matter to the legal ombudsman/MOJ/OFT/SRA. I trust this makes my position completely clear.

this is the letter I am planning to post tomorrow. To Whom It May Concern Dear Sir. I am in receipt of your letter dated XXXXXX I received a letter in November (full date) where it was mentioned that due to the nature of the case, you were not going to deal with the case on a NO WIN NO FEE basis and hence, asked for £1500 before you could continue any further. It was also stated that if you do not hear back from me within 2 weeks that you would assume the case to be closed. I sent you an email on XXXXX stating that I did not want to pay anything and to close the case if you were no longer dealing with it under NO WIN NO FEE agreement, which we had. I was also under the clear impression that your company were offering a NO WIN, NO FEE service, If I had at any stage known that you were attempting to mislead me into paying, then I would not have progressed at any stage. I also state that had you not started to charge me for my claim, I would have gone ahead with the claim. I believe that your attempts to make me pay are potentially an offence under the Consumer Protection From Unfair Trading Regulations 2008 I will not be making any payment whatsoever, if you continue to harrass me then I will take the matter to the FOS/MOJ/OFT/SRA etc etc I trust this makes my position completely clear.

Yes exactly. Could I not argue that they never wanted to continue without me paying for it. The letter clearly stated if I don't respond or pay for it they will consider it closed.

They didn't wanted to go ahead without charging me for the payment and the only option they gave me was either to pay to continue or to cancel it. so I went ahead to cancel it. I would have continued my claim with them if they would have continued on NO WIN NO FEE basis. so they cancelled it. The only information they have given me is that they have done their investigations and found out that the company which originally passed my details on to them had been known for fraudulent claims which led them to believe that my claim was same. The company known as CM Solutions doesn't exist anymore so I cannot contact them to find out what information they passed on to D&G on my behalf to put me into this position. Could someone please put up a template letter for me for help as I am not good with that type of stuff. Also, if I refuse to pay what are the consequences of it? I am thinking of going to FOS after I send them a letter of complaint. Also, in there letter, it says if I don't pay up within 28 days, interest would be charged