PPI Reclaiming Discussion part 4

sacbaby37

pinknico wrote: »

Don't give up, put a complaint for each company in with the FOS and see what happens. xxxx

I will, ive got the bull by the horns now lol xxxx;)

Incipience

Well dont SacBaby, 1 down many to go.. this does get addictive.. Just imagine what you have learned, and how you will use it in the future.

pebbles88

hiya,

Can anyone advise me if Cap one were one of the companies to be fined for mis-selling ppi?? i looking into claiming mine back from them, Thanks

also, apart from the first letter, do i need to send any other info??

dreamer33

pebbles88 wrote: »

hiya,

Can anyone advise me if Cap one were one of the companies to be fined for mis-selling ppi?? i looking into claiming mine back from them, Thanks

also, apart from the first letter, do i need to send any other info??

Hiya

Yes they have been fined for mis-selling:

Capital One: Fined £175,000 in February 2007 for failing to ensure that 50,000 customers buying credit cards and loans between January 2005 and April 2006 received important information about the policy. More info: Capital One

Have you requested any information from them like a SAR whereby they send all information relating to your account and when did you take out the loan?

Incipience

Yes Capital One were Fined £175,000 back in 2007 for policies sold from January 2005 - April 2006

sacbaby37

Incipience wrote: »

Well dont SacBaby, 1 down many to go.. this does get addictive.. Just imagine what you have learned, and how you will use it in the future.

I will, thanks, and hopefully help people on here just like yourself. xxx:beer:

pebbles88

dreamer33 wrote: »

Hiya

Yes they have been fined for mis-selling:

Capital One: Fined £175,000 in February 2007 for failing to ensure that 50,000 customers buying credit cards and loans between January 2005 and April 2006 received important information about the policy. More info: Capital One

Have you requested any information from them like a SAR whereby they send all information relating to your account and when did you take out the loan?

Hi,

I opened my credit card with them in march 2005, i paid it off and closed it last year, but had the PPI all the way through. I haven't yet requested the SAR, I have only just come across this today so still looking into it.

molly44_2

Hi I put this post on part 3 of the discussion:

My situation is this :
Took a loan out in 2000 with my husband (now my ex-husband) with Nationwide. Was sold PPI even though we both had pre-existing medical conditions so I am claiming that it was mis-sold on this basis, and also because we were led to believe that it would assist our loan application if we took it out. Also PPI only covered first person on loan i.e my ex-husband.

Complained to Nationwide and was given final response to say basically you had terms and conditions and you both signed!

Have filled in comlaint form to FOS but have received it back so say 'it appears that both parties have not signed form. Please ask Mr N to sign form and return'

Can anyone tell me if they too have been in this situation. Mr N went to work abroad 4 years ago to avoid paying maintenance for the children and basically left me high and dry with large mortgage to pay, etc so I have no contact with him. It is me making the complaint for mis selling so does FOS still need his signature on complaint form?

Someone advised me to just ring FOS and tell them my situation, and I thought I would let you all know that I have done this and they told me to send complaint form in again but this time with a covering letter stating that I have no contact details for Mr N. They said it is up to adjudicator whether they will look into my complaint, so fingers crossed!!

molly44

sacbaby37

pebbles88 wrote: »

hiya,

Can anyone advise me if Cap one were one of the companies to be fined for mis-selling ppi?? i looking into claiming mine back from them, Thanks

also, apart from the first letter, do i need to send any other info??

Hi Pebbles, i can actually help someone lol, i have just successfully claimed my PPI back from cap one, after first letter they offered me peanuts, after second letter on one account they offered full amount back right from 2002, and other account offered me 50% but going for the full amount, so it can be done. Have you requested your bank statements going back 6 years? if not then do this first enclosing £10 and send by recorded delivery, I used the standard templates on here and altered it slightly.
You go for it, good luck and let us know how you get on. sarah xxxxx

pebbles88

sacbaby37 wrote: »

Hi Pebbles, i can actually help someone lol, i have just successfully claimed my PPI back from cap one, after first letter they offered me peanuts, after second letter on one account they offered full amount back right from 2002, and other account offered me 50% but going for the full amount, so it can be done. Have you requested your bank statements going back 6 years? if not then do this first enclosing £10 and send by recorded delivery, I used the standard templates on here and altered it slightly.
You go for it, good luck and let us know how you get on. sarah xxxxx

thanks Sarah,

do i have to ask for the card statements?? or can i just send the letter??