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  • FIRST POST
    • scotslad
    • By scotslad 20th Jan 12, 2:44 PM
    • 70Posts
    • 13Thanks
    scotslad
    Capital Bank PLC
    • #1
    • 20th Jan 12, 2:44 PM
    Capital Bank PLC 20th Jan 12 at 2:44 PM
    I an trying to reclaim PPI from a car finance from Capital Bank PLC from 1998.

    Am I correct in thinking they are now part of HBOS. ?

    I tried calling the HBOS PPI Claim line but its an overseas call centre and trying to explain what capital bank is was a nightmare.

    The call centre did not even know what hire purchase meant and could not understand what car finance meant.

    Whats my next step ??
Page 1
    • amersall
    • By amersall 20th Jan 12, 9:21 PM
    • 16,605 Posts
    • 18,657 Thanks
    amersall
    • #2
    • 20th Jan 12, 9:21 PM
    • #2
    • 20th Jan 12, 9:21 PM
    Were these who you contacted?.


    http://www.bankofscotland.co.uk/contactus/howtocomplain/complain-about-ppi/

    Just give the account number,if they have your details they will tell you.

  • CrystalJulie
    • #3
    • 25th Jan 12, 1:19 PM
    • #3
    • 25th Jan 12, 1:19 PM
    Hi there

    They are part of HBOS/LLoyds Banking Group. I am also attempting to claim for the same thing.

    Good Luck
  • parkview2
    • #4
    • 24th Sep 13, 5:08 PM
    • #4
    • 24th Sep 13, 5:08 PM
    More info on Capital Bank. I called their number, found from a Google search (0845 7023488) on a website and got through to a very helpful guy at Blackhorse. He searched through several databases for me, but couldnt find my loan number with Capital Bank. He explained that some accounts from Capital Bank had gone to Blackhorse and some to Halifax/HBOS. (The car finance ones seem to be with Blackhorse). He gave me the number for HBOS (0845 7243444) and although it seemed to be a call centre the person answering understood the complexity of my query and found my loan by its reference number. However her info was limited so she then transferred me back to a UK number and they found all my details. Hope that helps someone!. And it definitely isnt the same company as Capital One. It also seems that their database doesnt really distinguish the difference between HBOS loans and Capital Bank loans.
    • picky123
    • By picky123 24th Sep 13, 7:56 PM
    • 57 Posts
    • 52 Thanks
    picky123
    • #5
    • 24th Sep 13, 7:56 PM
    • #5
    • 24th Sep 13, 7:56 PM
    I an trying to reclaim PPI from a car finance from Capital Bank PLC from 1998.
    Originally posted by scotslad
    If this was through a dealer then pre regulation,(2005) so no chance on this, dont waste your time, or lose any sleep
    • LostShepherd
    • By LostShepherd 1st May 17, 6:01 PM
    • 5 Posts
    • 1 Thanks
    LostShepherd
    • #6
    • 1st May 17, 6:01 PM
    • #6
    • 1st May 17, 6:01 PM
    Hi,

    Just wondering if there was ever any luck on this one? I had a car loan in late 2004 via dealer with Capital Bank Plc, pretty big one too think the final tally was 21k or there abouts! I have all the bank statements with some sort of initial setup number included, but no policy docs. Where could I ring to try and find copies or chase it up?

    Thanks,
    LS
    • Moneyineptitude
    • By Moneyineptitude 1st May 17, 6:44 PM
    • 18,764 Posts
    • 8,933 Thanks
    Moneyineptitude
    • #7
    • 1st May 17, 6:44 PM
    • #7
    • 1st May 17, 6:44 PM
    I suggest you read post #5.
    The fact that the post is from 2013 hasn't made the likelihood of success any brighter, I'm afraid.
    • LostShepherd
    • By LostShepherd 1st May 17, 10:04 PM
    • 5 Posts
    • 1 Thanks
    LostShepherd
    • #8
    • 1st May 17, 10:04 PM
    • #8
    • 1st May 17, 10:04 PM
    I am travelling hopefully I guess, I may ask the dealer, they are still there, who knows they might have something!
    • Moneyineptitude
    • By Moneyineptitude 2nd May 17, 3:25 AM
    • 18,764 Posts
    • 8,933 Thanks
    Moneyineptitude
    • #9
    • 2nd May 17, 3:25 AM
    • #9
    • 2nd May 17, 3:25 AM
    I am travelling hopefully I guess, I may ask the dealer, they are still there, who knows they might have something!
    Originally posted by LostShepherd
    Pre-2005, the dealer does not even have to consider any complaint. As I said, read post #5.
    • LostShepherd
    • By LostShepherd 2nd May 17, 8:29 AM
    • 5 Posts
    • 1 Thanks
    LostShepherd
    We as I said I'm travelling hopefully ��

    Dealer potentially has a copy of the documentation for me so it's something at least, forgive me if I don't take post #5 as the be all and end all, a little persistence surely won't hurt.
    Last edited by LostShepherd; 02-05-2017 at 8:34 AM.
    • Moneyineptitude
    • By Moneyineptitude 2nd May 17, 12:18 PM
    • 18,764 Posts
    • 8,933 Thanks
    Moneyineptitude
    Dealer potentially has a copy of the documentation for me so it's something at least, forgive me if I don't take post #5 as the be all and end all, a little persistence surely won't hurt.
    Originally posted by LostShepherd
    A copy of documentation won't force them somehow to consider a complaint. 2004 is pre-regulation of general insurance and the car dealer will just dismiss your complaint. You will then have no access to the Ombudsman.

    By all means ignore post # 5, but that won't net you a refund, I'm afraid.

    Enjoy your travels..
    • LostShepherd
    • By LostShepherd 2nd May 17, 5:34 PM
    • 5 Posts
    • 1 Thanks
    LostShepherd
    Don't worry I will ignoring any know it all negativity along the way
    • dunstonh
    • By dunstonh 2nd May 17, 6:17 PM
    • 88,112 Posts
    • 53,344 Thanks
    dunstonh
    Don't worry I will ignoring any know it all negativity along the way
    Originally posted by LostShepherd
    It isn't about negativity. It is about being factually correct.

    Insurance regulation started in January 2005. So, any sale made before January 2005 does not have to be considered by the firm unless they were a member of an earlier body. This is why the banks have to consider earlier complaints.

    However, car dealers had no previous body. So, they can and do reject PPI complaints sold prior to regulation as being pre-regulation. You will have no access to the FOS either as they can only be referred to if it is a regulated sale.

    If the car dealer was acting as a representative of the lender (which can happen with some in-house financing - i.e. same brand finance company to car manufacturer) then these often have to consider pre-regulation complaints as the lender were members of an earlier body.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 2nd May 17, 11:24 PM
    • 18,764 Posts
    • 8,933 Thanks
    Moneyineptitude
    Don't worry I will ignoring any know it all negativity along the way
    Originally posted by LostShepherd
    Good idea. Complain regardless. Why ask the forum if you are proceeding anyhow?

    The thread was started in 2012 and no one at all has returned to report any success.

    By all means ignore such "negativity".
    • derrh2
    • By derrh2 23rd May 17, 3:15 PM
    • 12 Posts
    • 1 Thanks
    derrh2
    capital bank ppi
    Hi ive recently remembered that i had car finince with capital bank i have a referance number it was set up in dec 2006 not sure if i have ppi with that as i have no paperwork is it worth ringing black horse as i know some were transferred to them
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