PPI Reclaiming Discussion part 4

bigjohnuk

cappo wrote: »

Hi john the problem and it's one that capital one exploit to there advantage is that they sell there cards and ppi on a non advised basis this means (according to them) that you have to make sure the card and insurance is suitable for you,so in effect you have to become an insurance salesman) so to speak,confusing and a down right con as the minute they get caught out they bleat "non advised" this is there get out of jail free card.

So it looks like nothing then.

cappo

bigjohnuk wrote: »

So it looks like nothing then.

No john, deffo not, put your claim in,i have, i'm not giving up,i'm just trying to say as i said to mrs shazbatz was her name i think,it's very hard to pin a case on cap 1 but not impossible,the problem being that the fos all look at the same rules for a misale,you lose nothing by trying, it's only di persuaded me to keep going as i thought that i'd have no chance,give it a go john.

beverleykim

cappo wrote: »

No john, deffo not, put your claim in,i have, i'm not giving up,i'm just trying to say as i said to mrs shazbatz was her name i think,it's very hard to pin a case on cap 1 but not impossible,the problem being that the fos all look at the same rules for a misale,you lose nothing by trying, it's only di persuaded me to keep going as i thought that i'd have no chance,give it a go john.

I agree, do not give up. My husband has just had his complaint upheld with Capital One, as he was self-employed whilst he had his credit card with them, and all we did was send a complaint template letter stating this fact and got the good news two weeks ago. All these banking organisations want people to give up, that is why they are making it as difficult as they can. Good luck.

bigjohnuk

Well I will carry on, but not hopful based on comments today. Also I just dont have the time to meet their date of the 5th Aug. It madness at the moment for me.

IANC

bigjohnuk wrote: »

Well I will carry on, but not hopful based on comments today. Also I just dont have the time to meet their date of the 5th Aug. It madness at the moment for me.

Make time, even if you do it in the wee hours over the weekend.

If it takes you 2 hours, imagine what that will pay on an hourly rate if it is upheld. :money:

smitchy73

bigjohnuk wrote: »

Well I will carry on, but not hopful based on comments today. Also I just dont have the time to meet their date of the 5th Aug. It madness at the moment for me.

I agree Bigjohnuk, it may be worth an extra couple of hours of being awake if it can help your case, and you might feel worse if you can't send something in and end up with it being rejected, amersall and niggly are also very good with wording of letters etc, but remember from the email from FOS they only need any extra details if there are any, they don't need the full details all over again.
Hope this helps, if I could I would do the letter for you! It would save me driving the Mrs up the wall talking about the ppi stuff all night, lol.

cappo

smitchy73 wrote: »

I agree Bigjohnuk, it may be worth an extra couple of hours of being awake if it can help your case, and you might feel worse if you can't send something in and end up with it being rejected, amersall and niggly are also very good with wording of letters etc, but remember from the email from FOS they only need any extra details if there are any, they don't need the full details all over again.
Hope this helps, if I could I would do the letter for you! It would save me driving the Mrs up the wall talking about the ppi stuff all night, lol.

Another one, i bore the pants off my other half talking about ppi as well, what are we going to do when it's all over?

fight_the_power_2

cappo wrote: »

Another one, i bore the pants off my other half talking about ppi as well, what are we going to do when it's all over?

Hi cappo (fellow painter) i know what you mean about ppi it has been a very interesting last few months i only inquired about it because of a friend at work told me to claim for it as i am self empolyed ,had actually stopped the ppi on my cards when the monthly payments got to much been a hard three years trying to survive this recession saw my once good earnings halve within a few months but hopefully in another three years i will be free fom all debt and will have a big party (credit card free of course)

cappo

fight_the_power wrote: »

Hi cappo (fellow painter) i know what you mean about ppi it has been a very interesting last few months i only inquired about it because of a friend at work told me to claim for it as i am self empolyed ,had actually stopped the ppi on my cards when the monthly payments got to much been a hard three years trying to survive this recession saw my once good earnings halve within a few months but hopefully in another three years i will be free fom all debt and will have a big party (credit card free of course)

I know what your saying it's too easy getting there unfortunately, ppi has been a very big chunk of peoples indebtedness in the last 10 years or so, i'm glad people are starting to fight back and claim what they have had taken from them,good luck on your reclaims,should put you in a much better position,i've got 5 front loaded hsbc claims in, 2 credit cards and another 12 years worth of 2 credit cards with LTSB (if i can ever get the bank to accept that i have ppi on the cards):)

oggie1

oggie1 wrote: »

hI all
I am just going to send a DSAR for a loan I had with A & L do I have to send this to Santander.If yes could someone give me the address please,Am still strugling with my LLOYDS
DSAR it should have all been with me by the 21st June.Still trying to get info on my credit cards they told me I had but only gave me the last 4 numbers . Have emailed customer care etc rubbish replies.

Any help please on address I should send DSAR on a A & L loan

Thanks