Cap One PPI - What to do next?

[maynie]

Did you tell them you were self employed?

[dx100uk]

hang on

its not in the SAR

 

then you need to ask WHY they can find it and use it as an excuse

 

but you've not been provided with the evidence they have...

 

 

urm...

 

dx

[G&J]

maynie:

No, I did not tell them I was self employed at any time. Did not see any need for it. Also I did not tell them in that alleged call either.... as I know they never called.

 

dx:

I will put a letter together and send it off... and wait 2 months for their reply

 

Thanks

 

G

[G&J]

dx and anyone

Would you mind looking at the letter I am sending tomorrow.... Anything I missed or does it need editing?

 

Thanks for your help

 

G

[G&J]

Sorry.... correct file

[dx100uk]

and any other info the sar failed to provide

 

the ICO view these types of errors as serious ones

 

being able to 'magic' up information, which is to your own advantage when considering a PPI reclaim that was not include in 2 SAR requests

is at best rather suspect.

 

dx

[G&J]

Thanks dx

Ok... begging hat on... could you do me an edit that will hit 'em hard... seems to be dragging on and on but I guess this is normal? Only if you have time that is.

 

G

[dx100uk]

just merge in what I have said

 

be careful about using the word 'law' also

 

dx

[G&J]

YAWN!! and I'm still waiting for their reply.... This is gonna take years at this rate

[G&J]

I NEED HELP.....

So I have waited 2 months for their reply to the situation posted above and in this thread... See last 28th June.

 

So as DX suggested I sent the letter asking them specifically WHY they have not shown evidence of the phone call (alleged) in the original SAR

 

Sorry... I can, but not in the mood today, to scan their reply (can tomorrow) I'm just tooooo angry with them.

 

So this letter today came buy courier, sealed bag ETC... YES... another bloody SAR. twice as thick (maybe more) than the original.

 

Forwarding letter states " Thank for writing to us regarding your Subjest Access Request......."

 

"I have reviewd your SAR and can confirm we did provide you with copies of all data on record for your account"

"I enclose copies of your full SAR for your reference" (Hmm.... 3 times as thick?)

 

"You will see on page 18 of the SAR includes a memo dated 29th June 200. This states 0001 CAP1 SALES NADE TO PHP PPI ADDED 10350 OUT ENC POL DOC"

 

Then he goes on to say this was included in the original SAR........ and a little more.

 

It was NOT included in the original SAR.... Infact the SAR I have today is VASTLY more comprehensive than the original.

 

So, What now.... They say I had the call, they say I recieved a full SAR and details were included, I say they did not, and I say they did not send details.

 

This is never going to end.... Is it time I resorted to a firm and simply let them attempt to get my PPI back?

 

WHAT NEXT PLEASE??? This is doing my head in as I have new serious medical issues I'm fighting at the moment.

 

If you require the letter posting I can do that tomorrow.

 

Thanks for ANY advice

[dx100uk]

calm down ........

 

I firm has no more clout than you have

and you'll pay money if they fail or not

if they get the ppi back you'll also lose more than 30% to them

so forget that one.

 

let read the thread this evening and i'll post back

 

if you want to scan up that letter please do.

 

but it appears now you have the answer

you can counter it

 

a 'logbook' entry that you agreed to PPI in a phonecall is no good

 

you want the phonecall transcript or recording

and they wont have that.

 

dx

[dx100uk]

ok resume...

 

the ppi box was not ticked by you it was someone else?

 

alanalans post here refers to his run in with them , the writing was diff.

 

they say in their notes they phoned you at xyz time and you agreed to the ppi.

 

that's not proof the rep did not just fill it in themselves to pocket the commission they would earn

 

cap1 have been specifically fined already for doing this stitch up job on the phone.

 

as a secondary note:

cpp was mentioned earlier in the thread

the tick boxes showed cpp was applied.

 

so you can get that back too

 

look for 'card protection' occurring annually in the staements you have

 

lots of threads on this cpp its just hit the headlines and is in out latest newsletter too I think

 

dx

[G&J]

Thanks for the reply DX

I will reply in full tomorrow morning......

 

CPP was NOT from me..... was never applied (maybe someone hyjacked my thread)

 

How come my new SAR (not asked for) is now 3 x thicker in printout content ???? (not meaning you will know) but seems very suspect as to WHY tey did not present the whole thing in the first place.

 

NOwt but ........

 

I will scan the reply letter for you in the morning but I do need some gental help on this as I am getting very confused with it all.... Exhausted with it.

 

Thanks dx

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[G&J]

Hi DX

Sorry for the delay, doctors appointments Etc... Finally got time to get the docs together (see attached)

 

As the original poster of this thread, all the other relevant docs & info are in past posts.

 

So basically, I feel I'm getting nowhere with Crap1 and am lost as to what to do next. They say this is there last reply in this matter Etc.

 

Need some serious advice on the next move.

 

Glyn

[Old Cogger]

My last reply from them was 3-4 years ago, think they may of gone on holiday for the last 3-4 years!

[dx100uk]

that's a final resps on the matter of missing data

 

not one on the PPI

 

they have a single line in a log that they phoned you

and you were enrolled on the PPI

 

that does not state that say you were not told you had to have it.

 

there is no proof there YOU enrolled in it without the actual phonecall transcript

 

the rep could have just filled it in to get the commission

even though you said NO to it.

 

the hard evidence here is you did not tick the PPI box on the agreement.

 

dx

[G&J]

Thanks DX

Undestood the thinking of it, SO.... what do do next? Sorry mut I'm lost as to the next move.

 

They appear to be washing their hands and want me to take it to FOS (or am I wrong)

 

Which move next???

 

Thanks

Edited September 3, 2013 by G&J

[Shelley181146]

Hope I am not stepping on anyone's toes - Have Cap One not fobbed you off with the limitations of 6 years blah blah speech yet?

Seems to me that Cap One continue to use their delay tac-tics but I am going to revisit the ring with them.

 

Keep going and stay positive - it's your money at the end of the day

[G&J]

No... The SAR's go all the way back to 2000

 

Just not clear on what to do next. FOS maybe?

[G&J]

Can anyone please tll me the next step to take?

[BRIGADIER2JCS]

FOS is the next move.

[G&J]

Thanks Brig.... I will get it all packaged up... I don't surely have to include a copy of my 2 SAR's do I?

 

Also, does the compound interest still run to the present day or as I submitted to Ctap1 last year?

[dx100uk]

poss sent them one final leeter

 

along the lines of as I've posted above

 

you did not tick the app form wanting PPI

 

but it appears to you they are making a decision upon

a phonecall they have no transcript of ,

and cannot prove you were not told you must have it

 

its mere speculation that their processes were foolproof

and the operator would not have signed you up to gain commission upon the sale.

 

its interesting to note

that the cap1 card stickers were not required to activate the card

 

[i think in the latest CPP stuff they even ay that

 

so WHY did they makre you phone them

if it weren't to gain a PPI sale?

 

dx

[G&J]

Thanks DX

I will put a final letter together... Can I post it here for your to Vet?

 

I know it will take them another 10 - 14 weeks to reply but...

 

If I go to FOS or indeed they agree on something (not holding breath) Where did/does my compound int. stop? Is it today? or when I 'first' sent the PPI complaint?

 

They still have my money lol

 

Thanks