I would like some advice please.
I did not know that I had PPI on my Capital One Credit Card and was made redundant back in 2007. As a result of the redundancy I could not repay my loan and communicated this to the bank. They in turn did not advice me that I had PPI that could cover the repayments until I was back in work.
I left the country in 2013 as I had found a job in South Africa. Subsequently the debt was sold to Arrow Global Guernsey who wrote to me but I did not receive the correspondence.
They then successfully applied for a CCJ and a Charging Order on my property.
Upon my return to the UK I have been trying to resolve this and have requested another hearing to set aside the judgement as I was not in the country.
In the interim Capital One have acknowledged they missold PPI and refunded me about £380. With everything that I have found out upon my return, could I not argue that had Capital One informed me of the PPI I would never have been in the position I was and not had the CCJ, etc. and shouldn't they reimburse me more than they have had?
Any advice gratefully received as my hearing is in mid-February and want to be well prepared even though I am being informed by Arrow's attorneys that I have no prospect of success and threatening me with applying to the court to have charges and interest attached to the existing CCJ debt.
Thanks!
