Drew c Captial One PPI

[andyford2000]

Hi all,

 

just about to send a CCA request of to Captial One to see my application and CCA. Dont think I ever asked for PPI.

 

does anyone know what address to send the CCA of too.

 

I have noticed they have marks against me on my credit report for late payments too.

 

if it turns out that i dont have a valid CCA, does this mean I can also ask them to remove all notes from my credit report with experian.

 

also does anyone know of a spread sheet to calculate interest on these payments

 

i hope this posted in the thread

 

Andy

[andyford2000]

I have come across something very interesting, and would welcome your thoughts

 

I have just been through all my statements from when I took out my capital one credit card.

 

when I have gone through them all and entered all payments into a spreadsheet. I have noticed that they had suddenly stopped taking payments in March of this year. Now I cannot remember telling them or asking for any kind of PPI. but they have taken payments up too February this year.

 

Now what is going on here

 

your comments and thoughts please

[dpick]

I have come across something very interesting, and would welcome your thoughts

 

I have just been through all my statements from when I took out my capital one credit card.

 

when I have gone through them all and entered all payments into a spreadsheet. I have noticed that they had suddenly stopped taking payments in March of this year. Now I cannot remember telling them or asking for any kind of PPI. but they have taken payments up too February this year.

 

Now what is going on here

 

your comments and thoughts please

 

Hi andyford2000 while reading Crap1 threads looking for bits for my own PPI claim against Crap1 I have seen possibly 10 threads where stop start PPI payments are on statements so this could be used against Crap 1 as I believe that two missed consecutive payments on your card stop PPI could it be that they stop and start PPI at will but in my opinion they would turn round and say you missed payments cannot payout.

May be worth checking missed payments on your card.

 

all the best dpick:mad:

[andyford2000]

I have checked through 5 years of statemaents and for that they never took payments in the following years

 

2003 didnt take payments for March and December

2006 didnt take payments for August

2007 didnt take payments for March, April, May, June,

 

not seen July's statement yet,

 

would they in breach, me thinks so, as its up to them to take payments

 

do i use the interest as 34.9% as normal when trying to claim these back

 

anyone know where to send my CCA request too

[andyford2000]

do you think with them not taking any payments since February has got anything to do with this article

 

http://www.fsa.gov.uk/pubs/final/capital_15feb07.pdf

[dpick]

Hi I'm just using 26.6% apr worked out from statement I have found

 

I would love to think that all the claims are costing them money but I will just assume normal business practice pay at last sceond.

 

all the best dpick:p

[ukaviator]

There is definately something going on here. I was sent a leaflet and letter stating that my current PPI insurance is going to be free in the future.. I think they know what's coming.

[andyford2000]

question is if they can just take payments when they wish and stop when they want. Do I have a case to claim it back

 

ukaviator, would the correct interest rate be as my other claim 34.9%

 

do you think i should just send the letter off requesting ones money back with the interest

[andyford2000]

please can someone tell me the correct address to send my CCA Request too

[dpick]

please can someone tell me the correct address to send my CCA Request too

 

I have used this address for all correspondence

 

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station Street

Nottingham

NG2 3HX

 

 

 

dpick:)

[andyford2000]

just phoned cap one up to find my APR they informed me it is 22.13

strange rate, cannot see it being offered currently on any of their cards

 

will be send off my CCA request first thing monday, do I also have to ask to see my PPI agreement too

[andyford2000]

this what I propose sending them, asking for my CCA & PPI agreements.

 

your comments welcomed before I send it, does it cover everything, or should there be more

 

My Address

Obviously

 

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

30th July 2007

 

Dear Sir/Madam

 

ACCOUNT NUMBER: 1234 5678 1234 5678

 

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement and also my copy of the Payment Protection Insurance agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

 

Andrew Ford

[andyford2000]

This is the reply i got from capital one with regards my PPI.

 

they are saying i actually applied for it online when i opened my account with them, yet they havent sent me any proof of me asking for it, if this is the case, then why did they suddenly stop taking payments form me earlier this year.

 

 

 

[andyford2000]

bump

[andyford2000]

really need urgent help on this one now, please

[andyford2000]

I am planning on sending this letter, your thoughts would be welcomed.

 

LETTER BEFORE ACTION

Dear Sir/Madam,

 

ACCOUNT NUMBER: 1234567890

My thanks for your letter dated 12th September 2007 regarding my claim for a refund on my Payment Protection Payments made to Capital One.

I once again stress that, I have no knowledge of signing any document regarding payment protection. If this was the case and I had requested payment protection, then why did you cease taking payments in February of this year (2007).

I am therefore once again requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act.

I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then, I request my money back - £273.39p , I also wish to claim interest of £229.34p making a total of £502.73p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 14 days otherwise I will have no alternative but to pursue this matter through County Court.

 

yours faithfully,

[hellhasnofury]

I am planning on sending this letter, your thoughts would be welcomed.

 

LETTER BEFORE ACTION

 

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: 1234567890

My thanks for your letter dated 12th September 2007 regarding my claim for a refund on my Payment Protection Payments made to Capital One.

 

I once again stress that, I have no knowledge of signing any document regarding payment protection. If this was the case and I had requested payment protection, then why did you cease taking payments in February of this year (2007).

 

I am therefore once again requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act.

 

I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then, I request my money back - £273.39p , I also wish to claim interest of £229.34p making a total of £502.73p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 14 days otherwise I will have no alternative but to pursue this matter through County Court.

 

yours faithfully,

 

Hello Andy,

 

The letter is fine, get it sent to them:D Keeping plugging at them, Mmmh maybe mention that you will be reporting them to the FSA and the OFT for their conduct, as they were fined heavily for mis-selling of ppi.

[andyford2000]

Hi all,

just had a response to my LBA from Crap One

and suprise suprise, a rejection letter telling me they did everything correctly. Can this be true, i am pretty sure I never ticked any boxes or signed anything agreeing to this.

 

please what should i do now

[ukaviator]

Andy, did you ask for the original agreement, ask for a CCA?.. This would show if you did tick the box on the form.

[andyford2000]

it was an online application, I have requested a CCA a while ago and there was no mention of it, they only sent me a copy of a signature strip signed by me. They havent sent any documentation in relationship to my PPI

[hellhasnofury]

it was an online application, I have requested a CCA a while ago and there was no mention of it, they only sent me a copy of a signature strip signed by me. They havent sent any documentation in relationship to my PPI

 

Hello Andyford,

 

Do you believe one word they tell you. they have to deny and hope that you go away, which many do.

 

You know what you must do:cool:

 

Did you sent the S.A.R - (Subject Access Request)?????? Did you sent them a CA request?????

[andyford2000]

I have asked for both, but havent seen a proper CA they sent me the terms and conditions and a photocopy of a signature strip i sent them back. I applied for this online and didnt fill in a paper application form

[The D.A]

I would reccomend anyone reading this thread to follow the link to the petition set up to raise awareness of the overpriced selling on PPi, with loan agreements.

 

Petition to: Prohibit loan companies from selling payment protection insurance with credit agreements.

 

spread the word, too many perople are being steered towards taking overproced ppi, in spite of the FSA's efforts to regulate the industry

[k1mmie]

Hi. I have just had a reply from Crap One saying that PPI was taken out over the phone in 2001 with the application. Then goes on to say usual about all precautions taken with a strict calling regime etc. Should I CCA them?

[Carl Stevens]

I am just about to start my own claim for repayment of PPI with cap 1. I received a copy of my acceptance with the terms but it never included PPI payments. I will send similar letters to yours I already have my statements when claiming before I just want a copy of the agreement signed by me