capital one

di3004

trish2568 wrote: »

how long should you wait after you have sent letter req that they reconsider?not received final response letter from them yet.

Hi Trish

For a SAR its 40 days - straight, so when they receive the request, check on track and trace (Royal Mail Website) and take 40 days from there, some go from the date of the letter, but myself have always taken it from the date I seen it received as shown on track and trace.

Then when it comes to reclaiming its 8 weeks in full.

For CCA requests it should be 12 days.

Just thought I would write them all so you know.:D

If you don't hear by the 40 days with the SAR request, ring them, or send them a reminder letter, give them about 7 days, then if they still have not sent the SAR request, contact the ICO. (Information Commissioners Office).

Back to reclaiming, 8 weeks is ample time, it may be that they will write to you last minute, and tell you that they need more time.
You can then though if you heard nothing at all, go to the FOS.

Hope this helps Trish.;)

trish2568

had response from cap 1.req transcripts from them but they ain,t got them as it was 1998.as a gesture of goodwill they are offering me £380.really dont want to accept this as my account closed with them in jan 2009.and i paid ppi up until june 2008 when i realised it was no good to me.what should i do next?this is not there final response.

di3004

trish2568 wrote: »

had response from cap 1.req transcripts from them but they ain,t got them as it was 1998.as a gesture of goodwill they are offering me £380.really dont want to accept this as my account closed with them in jan 2009.and i paid ppi up until june 2008 when i realised it was no good to me.what should i do next?this is not there final response.

Hi Trish

If this is not the final response ask them if they can consider a reasonable amount as your not happy with that offer, and of course you have the FOS if they do not do this for you good luck.;)

trish2568

should i state i would like them to reconsider taking into account the length of time of the account.really would not like to push my luck

di3004

trish2568 wrote: »

should i state i would like them to reconsider taking into account the length of time of the account.really would not like to push my luck

Yes Trish, mention all you can so they can see your whole point in this.;)

trish2568

i have requested a sar from them and they cashed the chq yesterday should i wait for this before i put my letter in?

di3004

trish2568 wrote: »

i have requested a sar from them and they cashed the chq yesterday should i wait for this before i put my letter in?

Cool this is a good start then.;)

Some though go from the day they have received your SAR, so maybe go from there as well, they have a straight 40 days from there basically.
If you posted by recorded delivery, check out the day on the tracking from the Royal mail website.

Good luck.;)

trish2568

update from cap1 is basically unless i can come up with new evidence they not going to up the offer as their evidence shows it was sold correctly(no trans avail as it was 1998).any advice?

trish2568

any thoughts anyone?waiting on sar from them

trish2568

update on this long saga is that cap 1 have written to me regarding my sar stating that if i could give them dates they would happily provide me with the transcripts,took them up on their kind offer and requested the date that was relevant to my case.heard back from them saying that they def do not have transcripts from date requested.have written to the dept dealing with my claim stating that although in their letter they state that they have offered evidence which proves ppi was not mis-sold no evidence has been produced.that was 8 wks ago.Do i ask them now for their full and final response so that i can move this on?would really like to ut and end to it.