PPI Reclaiming Discussion part 4

farcove54

wilson8 wrote: »

Hi Kay
Rang Capital one today and basically challenged them with everything i had but to no joy.After finally getting through a chap that could understand what i was talking about he basically said that their decision was final.They could not provide me with a copy of the trasnscript,neither could they provide me with any evidence supporting the fact that they said i purchased the PPI 5 years later after opening the original account.
Does anyone have the email address for teh CEO of Capital One please

Its like banging your head against a brick wall !
I complained to the FOS last week but I've no idea how long they take to respond. I think Cap 1 are hoping peaople like us will get fed up and go away . I intend carrying on.
Good luck contacting the CEO - I'll do the same if I get no joy from the FOS
Kayx

Millie07

chester1976 wrote: »

after getting message fom postmaster saying delivery was delayed to yorkshire bank on monday, got the following message through this morning! hopefully have more luck with the email i sent to CEO


This is an automatically generated Delivery Status Notification.

Unable to deliver message to the following recipients, due to being unable to connect successfully to the destination mail server.

[EMAIL="aqu.ppi@eunabgroup.com"]aqu.ppi@eunabgroup.com[/EMAIL].
is anybody else getting this when trying to email yorkshire bank:(

Hi, the email adddress is [EMAIL="AQU.PPI@eu.nabgroup.com"]AQU.PPI@eu.nabgroup.com[/EMAIL] , I have had a response from them on this address.

amersall

eirelav1962 wrote: »

hi i email the ceo and i got a letter saying they only had my last account for ppi any help i dont knowwhat to do now x

Hi there, just been reading your past posts, how did you get on with your claim with clydsdale last may? you posted regarding a loan with them, did you do the reclaim then?.

beamerguy

wilson8 wrote: »

Hi Kay
Rang Capital one today and basically challenged them with everything i had but to no joy.After finally getting through a chap that could understand what i was talking about he basically said that their decision was final.They could not provide me with a copy of the trasnscript,neither could they provide me with any evidence supporting the fact that they said i purchased the PPI 5 years later after opening the original account.
Does anyone have the email address for teh CEO of Capital One please

Hi, you will not get sense from just ringing Capital One. Understand that these are droids that work off a script" PART OF THE SCRIPT IS: the decision is final"

:rotfl::rotfl::rotfl:WHAT A LOT OF RUBBISH. The only time it is final is when they pay you back what have stolen from you ... THAT IS FINAL
On their web site they boast
"Capital One has 50 million customers all over the world, and we employ 27,000 people globally. We're a top ten credit card provider in both the UK and US"

50 million customers ??? How many of those have Capital One ripped off ?

Brian Cole is Managing Director, UK
He says on the site
http://www.capitalone.co.uk/aboutus/corporate-social-responsibility.jsf

" We know that our customers and our employees expect us to behave in an ethical manner and that our reputation is at risk if we do not consider the wider implications of our actions. And from a business perspective, we want to make sure that we continue to attract and retain both customers and employees and maintain our reputation in the marketplace."

Brian, best tell your employees that, and tell your PPI department who have been stealing your customers money. Your customers do not believe you.
And YES your reputation is at risk, infact it has hit rock bottom.

If you are an employee of Capital One and speak on the phone to customers regarding fruadulent PPI's, be ashamed of yourself

amersall

Mand2009 wrote: »

Hi,

I was wondering if anybody could help me?

I have sent off a PPI claim to Shop Direct Financial Service regarding a Choice account I had in the past. Can anybody tell me if they are owned by Halifax? Only i received a letter from Halifax stating that they are looking into my claim but I have sent claims off for my previously owned credit cards also, however I do not believe that Halifax are linked to any of my credit cards.

Help please, I am confused!

Many thanks.

Hi there,i know that BOS do the personal finance for shop direct and the insurance is underwritten by Aviva.
What account number did they put in the letter?.

beamerguy

So you can put a face to the man you are writing to, this is Brian Cole,
Managing Director of Capital One
http://www.capitalone.co.uk/aboutus/images/aboutus/brian-cole-intro.jpg

jessica1987

Hi, I got a loan out in 2004 with ppi on it but have now lost the paperwork. I used your template letter asking for a copie of agreement and t&c and enclosed a cheque for £1. The bank (barclays) wrote back saying their system shows that there is no sum payable under the credit agreement and therefore there is no requirement for them to comply with my request. I am sooo confused as to what to do now.

Thanks Jessica

jo-urney

could i just confirm some information please?
as my secured loan is still running (and will be for another 14 years), would any reclaimed ppi through the fscs be paid off my loan amount outstanding, or would i receive a cheque if successful in my claim?
i only ask because we are currently on a dmp, and it almost feels that money to help pay off the multiple creditors we are dealing with through this would be better than money coming off the outstanding loan amount. are there ways to request something different to the norm, in cases such as this?

amersall

jessica1987 wrote: »

Hi, I got a loan out in 2004 with ppi on it but have now lost the paperwork. I used your template letter asking for a copie of agreement and t&c and enclosed a cheque for £1. The bank (barclays) wrote back saying their system shows that there is no sum payable under the credit agreement and therefore there is no requirement for them to comply with my request. I am sooo confused as to what to do now.

Thanks Jessica

When did this loan finish, and do you have the settlement figure and date?.
Do you have old bank statements that show the loan payment,this may have the account number on.

Failing that you will have to request all info they hold on you but this will cost £10, but it will be worth it if you get the info you want, give them as much detail as you can about you and the loan.

Better still ring them up and ask them to find you,as your details may be in the system.

di3004

jessica1987 wrote: »

Hi, I got a loan out in 2004 with ppi on it but have now lost the paperwork. I used your template letter asking for a copie of agreement and t&c and enclosed a cheque for £1. The bank (barclays) wrote back saying their system shows that there is no sum payable under the credit agreement and therefore there is no requirement for them to comply with my request. I am sooo confused as to what to do now.

Thanks Jessica

Hi Jessica

I take it the account is no longer active?

In this case apparantely they are not obliged to send the copy of the agreement as they may not any longer hold this actual paperwork as such, but they should still hold details of the account going back the last 6 years at least.

However, its not stating that your unable to make a reclaim, you can still do this, and if you have your loan account number and know you were paying and mis sold ppi, give it a go, I did without my loan agreement - T&C's and was successful.

So you can do this by just completing the reclaim questionnaire as on step 3 below, send to whoever sold you the account, head office or complaints dept and allow 8 weeks for a decision, keep copies for yourself as well, hope this helps and good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3