The Fair Trade Practice PPI Rip Off

Send an e-mail to ENQUIRIES@THEFAIRTRADEPRACTICE.CO.UK with a copy to consumer@claimsregulation.gov.uk

Head the e-mail FORMAL COMPLAINT - ageement reference (your account number or whatever other reference they use).


I refer to my contact with you n [date] when I expressed dissatifaction that that you have submitted an invoice for £248.45 along with a payment for £296.58 after Capital One agreed to redress of £829.82. As per our contract, you are entitled to a 25% fee on which VAT is payable at 20% of 25%, giving a total deduction of 30% or £248.95.

However, that leaves a further £580.87.

When I contacted you about this, you could not explain where the missing £284.29 had gone.

Worse, you then said I must contact Capital One myself to find out where it had gone.

I consider it to be your professional responsibility to ensure that the payment received matches the offer from Capital One and to account to me accordingly. You should also employ staff who are competent to address any concerns I may have competently, not to simply fob me off.

I consider it your fault that I have not received my proper entitlemet and your fault that I have been caused further distress because your staff lack the competence to properly address my concerns.

I havee been advised you that your regulator, to whom a copy of this e-mail is being sent, defines a complaint as any oral or verbal expression of dissatisfaction and that you have eight weeks from receipt to respond to it - so that eight weeks began with my previous communication.

I am also told that if you do not send a response which I find satisfactory within eight weeks of that date I may refer your complaint to the Legal Ombudsman at no charge to myself.

I trust you will investigate both my original complaint and the manner in which it was mishandled when I first made it and respond accordingly.