Capital one, SAR follw up.

[conchy_joe]

I am helping a friend with a PPI claim

 

, I recently sent off a SAR to Capital One

, within two weeks they sent her a bundle

, in it was the original agreement,

 

the PPI yes/no boxes were unticked and yet when I went through the payment/charges sheets they showed itemised PPI charges for £134

, the actual card limit was only for £200 but it ended u over £400.

 

I would like to claim back the PPI for her even if it only serves to reduce the amount she owes, and obviously she can't claim interest because the interest has been frozen on her debt as part of the CCCS and DMA agreement.

 

Can someone tell me how to word the letter with the Plevin ruling in mind.

[dx100uk]

Why go plevin?

Has she already been refused the actual ppi back?

[conchy_joe]

No, she had no idea that there was PPI on the card.

[dx100uk]

Then get a ppi claim running

And yes gou can charge at their int rate till they stopped it

Foscisheet spreadsheet

Fos questionnaire

[conchy_joe]

The Accounts page they sent said the Lifetime APR was 28.5%. The account was opened 18/02/2002 and was closed 21/01/2008.

 

early interest rates started at/about 13.9% only went higher after 2007??

 

That same page states....Total charge for credit with interest - 28.5%.

[Old Cogger]

updated charge not the original???? suspect not copy of original we all took one out then at 13.8% or near , letters/numbers/date on side of page????

[conchy_joe]

I also noticed that on the page which summarised the PPI all the boxes relating to PPI are blank..

..Insurance type..blank

. Ins enrolled date..blank.

Enrollment channel...blank.

Product sold...blank.

Insurance claim status...no data.

PPI canc date..blank.

PPI canc reason...blank.

DAte ins cancel prenote...blank.

Date ins suppressed...blnk.

Edited June 9, 2018 by dx100uk
Format

[conchy_joe]

I'm looking at the form that she completed, FORM 3572 APPLICATION CERTIFICATE. At the bottom of the form it states Credit Card Account Agreement. Signed by herself and Capital One agent.

[dx100uk]

It will have been changed after a phonecall where supposedly you had to phone to activate said a sticker on the card

Truth is

Is was not needed fo activate the card

But to activate the ppi

Very well known cap1 sc@m in numerous threads here

 

You use the highest int rate you can find

Let then prove you wrong

[conchy_joe]

The more I look at the doc's the more I'm confused. The date she signed the agreement was 23/4/2000 but the list of charges and interest etc commences 18/02/2002.

[dx100uk]

Dont worry about it

Means nothing

Put in a claim

[conchy_joe]

I've just been searching for PPI claim template and spreadsheet, can you tell me where they are, I've checked the library but can't find it. Could you send me a link.

[dx100uk]

https://www.consumeractiongroup.co.uk/forum/showthread.php?474518-First-national-bank-does-anyone-know-if-this-still-exist&highlight=Statint

 

Read

[conchy_joe]

I've been to the post by ims21 re' CISheet v101.xls but each time I download it I'm asked to pay for WORD, I have Apache but don't know how to convert.

[dx100uk]

down load open office

its free

[conchy_joe]

I have apache open office and I've just figured out how to find the spreadsheet among my download files and send the file to open office....finally can you tell me where to find the ppi claim letter.

[dx100uk]

you use the FOS questionnaire and a very simple covering letter

http://www.financial-ombudsman.org.uk/ppi/im-looking-for-your-ppi-forms.html

[conchy_joe]

Thanks I'll do that next. I've finished the spreadsheet, total amount was just over £310 and now I have to figure out why open office will only print 60% of the width.

[dx100uk]

print to PDF first.

 

why is it so low

attach you spreadsheet read upload

[conchy_joe]

I phoned the FOS this morning regarding a query on the online form and they said they cannot act on this matter until I have a final response letter. Could you tell me where I can find a template to complain/claim.

[conchy_joe]

I downloaded the ppi spreadsheet but the spreadsheet links here all come up as WORD versions,

 

I downloaded it and saved it,

then opened it and chose the option to send it as PDF to open office.

 

After filling in the dates and charges I tried to print it off, it will only print off roughly two thirds of the width, it will not print the info...claim calculation, and compound interest.

 

I drove over to PC World and their KNOWHOW guy spent half an hour trying to work out the problem

 

, in the end he said it was a XLS form specifically ford WORD and that I should find another version suitable for open office.

Does anyone have any suggestions.

[dx100uk]

Save as.xls send as xls

[dx100uk]

When you print tick fit all column s to page width

Useless pc world!!!

 

Download the file from here again

File save as. Dddd.XLS

Then it will work directly in OO

Why you had to pdf it no-one knows!!!

[conchy_joe]

I really appreciate all your help but I'm going to have to call it a day.

 

I now have seven versions of CISheet v.101.xls and all of them show up perfectly on OO, I even completed filling one out last night, all of the charges and interest, everything was fine until I went to print it out.

 

When you go to print preview it shows the page cut off after " amount of charge ". everything else is OK...Personal details, date of charge and description and when you print that's exactly all you get.

 

I can remember doing spreadsheets for bank charges and not having this trouble, the printer I have is an EPSON-442, almost new so that can't be the problem.

 

I've had enough for the day, I'm going to have a very severe rum & coke and leave it until tomorrow.

 

Thanks again for help.

Edited June 11, 2018 by dx100uk
Spacing

[dx100uk]

Fit cols to page width

Its a tickbox when you hit print in OO

 

If you want pop teamviewer on your machine anf pm me the id and password and ill connect and show you