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twisty1 v cap1


twisty1
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Hi all

I was after some advice as to what I do next on 2 issues.

 

I have had my statements from cap1 and sent off a letter asking for my charges back. I got the standard "goodwill offer" and sent my second letter saying No I want it all. They have 5 days left before they have to reply.

 

I also sent a seperate letter asking for my PPI back and got a letter saying "no you asked for the PPI when you applied in 2001"

That letter was received today and was accompanied by the short application form.

 

My questions are:

 

With the charges what do I do next when they reply if they dont refund all charges?

 

With the PPI....is that it then. Is that a CCA or is it just a fob off?

 

I am in scotland so do I still do the same as everyone else on here or is it different up here?

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