PPI Reclaiming Discussion part 4

Totally_Confused_2

beamerguy wrote: »

YOU ARE NOT ALONE, Capital One is famous for invisible policies and greedy commission earning staff for ticking boxes

If you know you did not tick it, charge them with fraud under The Fraud Act 2006 ...... if someone else ticked it, IT'S FRAUD AND Capital One staff did a huge amount of that

Thanks again for the replies. It is unreal that they just keep missing the whole point.

beamerguy

Keewee wrote: »

Hi guys,
I received a letter from Barclaycard with regards to my Sky Card PPI.
I have been offered £127, which to me doesn't sound nearly enough!
They have stated the PPI is for the period 2005 - 2006 and that the PPI was cancelled in 2009.
This card actually ended up going to a debt collection company and was fully paid off in 2009, but they are saying the £127 will go to the debt company?!
How can they do this when it has already been settled?
I have tried to call but obviously no reply.

I am going to contest the amount, as I am sure the PPI was often £10 or more a month, so to me £127 is no where near correct.
Anyone else had this?
I had an offer for £8 from Capital one yesterday so this a slight improvement, but still! ha ha

Hi Keewee,
If the policy was cancelled in 2009, then you are owed from the start in
2005 to the finish in 2009.

If you settled with the debt collector, then Barclays owe you the money.

Debt collectors will buy a debt at say 50% off. BUT that is the debt, you see the PPI is in your name and is not transferable to a third party without your permission. As it is in your name, you must receive the payment and if need be, sort it out with the debt collector.

Most debt collectors have been burned badly as they happily bought debts which were fraudulent and they termed this as "buying the intellectual rights" ??? This means that as they claim they are the owner, you have the right to claim against them for fraud.
GET THE PICTURE ..... I bet debt collectors ask questions first now before they buy debts from banks, first question must be, "is there a PPI attached.

I had this with Capital One and I sent the debt collector concerned a letter saying " As you have bought the rights, without my permission, I now charge you with fraud and require all PPI payments repaid by you"

That was a year ago, never heard from them since. OH YES, I also told them if they were stupid enough to buy the fraudulent debt, on their own head be it

So, with Barclays you need to hit the CEO of Barclays hard, dont be afraid to use the word fraud, they already know they are fraudulent

EMAIL BOB DIAMOND OF BARCLAYS AND GIVE HIM HELL
[EMAIL="robert.diamond@barclaysplc.com"]robert.diamond@barclaysplc.com[/EMAIL]

beamerguy

Totally_Confused wrote: »

Thanks again for the replies. It is unreal that they just keep missing the whole point.

They are missing the point because they cannot afford to keep paying out money so some eagle beagle has advised them to employ delay tactics.
At the end of day, they cannot escape the fraud act of 2006 and they know it.

KEEP AT THEM and as I keep saying tell them they have committed fraud and you want compensation urgently

I think the staff at Capital One are trained in a special way to be stupid

hutchinsoni

Hi all, another noob here.
I was directed to this site via a link on a football forum, so the word spreads!!

Obviously, over a thousand pages on this thread makes hard reading, so my apologies if this question has been covered, but here goes:

If, like me, you have been chopping and changing credit-cards/mortgages etc every 2 years or so, and have little or no paper record of what card/mortgage you had over which time period, how on earth do you start to even thinking about claiming PPI back?

I still hold an independant PPI for sickness/accident/unemployment which I've had for several years now (was recommended by my then financial advisor), and have succesfully claimed on that policy in the past, following a long-term sickness (nore on that in a minute).

I have nearly always taken out payment protection with cards/loans etc, mainly because the provider suggested it was best, but as originally stated, there have been so many changes I simply can't remember what I've had.

Help!!


Second thing.........and this is a comment rather than a question......

few mornings ago, a letter from Halifax dropped throught the door, totally unexpectedly.
Now, the last Halifax product i had was a c/card over 2 years ago, but more importantly, a mortgage over 4 years ago.

Back in early 2007 (when the Halifax mortgage was active) I suffered a serious disc/spine injury, which required major surgery, and resulted in 6 months off sick. (I was, and always have been employed, and received basic pay, but lost all shift pay).

This Halifax letter referred to a claim I made through them for a payout based on this sick period, but was ultimately declined (I honestly can not recall the exact details).

They have asked me to complete a shed load of forms giving details of the injury and time off etc, as it would seem the refusal to pay out may now be reviwed??

I have no idea where this came from, as I made no request for a review, but I've filled the forms and await a response.

Anyone else know of similar?

Thanks for any help.......and well done to the admins on this busy forum.
I know what you have to deal with

weechicken

Hi,

Sorry if this seems like a silly question but would any ppi refunds you receive affect any benefits you get like working tax credits? should you let them know about it when renewing in april?

Many thanks in advance.

beamerguy

hutchinsoni wrote: »

Hi all, another noob here.
I was directed to this site via a link on a football forum, so the word spreads!!

Obviously, over a thousand pages on this thread makes hard reading, so my apologies if this question has been covered, but here goes:

If, like me, you have been chopping and changing credit-cards/mortgages etc every 2 years or so, and have little or no paper record of what card/mortgage you had over which time period, how on earth do you start to even thinking about claiming PPI back?

I still hold an independant PPI for sickness/accident/unemployment which I've had for several years now (was recommended by my then financial advisor), and have succesfully claimed on that policy in the past, following a long-term sickness (nore on that in a minute).

I have nearly always taken out payment protection with cards/loans etc, mainly because the provider suggested it was best, but as originally stated, there have been so many changes I simply can't remember what I've had.

Help!!


Second thing.........and this is a comment rather than a question......

few mornings ago, a letter from Halifax dropped throught the door, totally unexpectedly.
Now, the last Halifax product i had was a c/card over 2 years ago, but more importantly, a mortgage over 4 years ago.

Back in early 2007 (when the Halifax mortgage was active) I suffered a serious disc/spine injury, which required major surgery, and resulted in 6 months off sick. (I was, and always have been employed, and received basic pay, but lost all shift pay).

This Halifax letter referred to a claim I made through them for a payout based on this sick period, but was ultimately declined (I honestly can not recall the exact details).

They have asked me to complete a shed load of forms giving details of the injury and time off etc, as it would seem the refusal to pay out may now be reviwed??

I have no idea where this came from, as I made no request for a review, but I've filled the forms and await a response.

Anyone else know of similar?

Thanks for any help.......and well done to the admins on this busy forum.
I know what you have to deal with

This is interesting, their decline was before the High Court action against the banks earlier this year .. which the banks lost.

Maybe they are going back through "all declined" now to see if they were wrong or fraudulent. Suggest you bring this up to date with them and request what is happening

Keep us in touch on this

hutchinsoni

beamerguy wrote: »

This is interesting, their decline was before the High Court action against the banks earlier this year .. which the banks lost.

Maybe they are going back through "all declined" now to see if they were wrong or fraudulent. Suggest you bring this up to date with them and request what is happening

Keep us in touch on this

I will, but it will probably be a while, as I only returned the forms yesterday (thursday)

beamerguy

hutchinsoni wrote: »

I will, but it will probably be a while, as I only returned the forms yesterday (thursday)

ok, you could early next week contact them, you must keep constant pressure on them, they don't like pressure

gratefull

weechicken wrote: »

Hi,

Sorry if this seems like a silly question but would any ppi refunds you receive affect any benefits you get like working tax credits? should you let them know about it when renewing in april?

Many thanks in advance.

Take care, it will all depend upon the numbers. I'm no expert but a good payout could take you over your personal allowance, and if you do go over you would be expected to pay tax on your 8% interest

beamerguy

gratefull wrote: »

Take care, it will all depend upon the numbers. I'm no expert but a good payout could take you over your personal allowance, and if you do go over you would be expected to pay tax on your 8% interest

Grateful, it is not earnings but a refund on monies paid already.
Tax is a personal item and not applicable