Capital one Assistance required Please

[dpurshottam]

Hi Everybody,

I am fairly new to this and hope some one can assist (I believe Budgie is the expert on Cap1 !!)
I had a Cap 1 acct actually 2 for some unknown reason. anyway I wrote two letters with the card numbers asking for PPI repayment. on one account I got a holding letter saying they are investigation, but then I got another letter with a completley different acct number giving a settlement figure. I am attaching both letters as I am stumped as to what to do now any help would be appreciated.

My Letter 1 was account ending 0062

My Letter 2 was account ending 2010

Many thanks in advance

[Caspar]

Re: Capital one Assistance required Please

Yes you obviously did it correctly!

Mods - can someone urgently remove the personal information. Although the poster has covered these up, they are still clearly visible under the stickers.

[dpurshottam]

Re: Capital one Assistance required Please

Thanks casper appreciate the response, any thoughts what I should be doing next ??

[Caspar]

Re: Capital one Assistance required Please

If you're happy with the settlement offered on the one account I would accept it. The other they seem for some reason to be investigating, but state they will let you know what is happening, so I'm not quite sure why there is any confusion.

[Curlyben]

Re: Capital one Assistance required Please

dpurshottam I have removed your attachment as there's personal information showing.

[dpurshottam]

Re: Capital one Assistance required Please

Hey thanks Casper, the confusion is I sent two letters with the accounts numbers, but the offer came back with an entirely different account!! which Cap 1 state that they had closed I dont even know what was outstanding on that if there was any nor have I had any contact from Cap 1 or DCA chasing a debt from that account. Cap 1 states they sent me a DN never saw it and they claim there was a telephone conv, which I had called to say that I was out of work and personal problems.

which is whyI am asking what to do, obviously I dont want to open a can of worms, but the same time if I owe them,( less any PPI or charges) I am willing to settle what I owe as I am back in gainful employment.
------------------------------- merged -------------------------------

dpurshottam I have removed your attachment as there's personal information showing.

Sorry I hadnt realised that pers info was showing thought I did a neat job cutting up stickers !!

[Caspar]

Re: Capital one Assistance required Please

I would SAR them using a letter similar to the one below. They have 40 days to respond (days, not working days). At least then we'll know exactly where we stand. I am making the assumption that the letters you attached were from Capital and not a DCA. If it was a DCA just send a Prove It letter.

Your address

Dear Sir / Madam,

Data Protection Act 1998 Subject Access Request

I would be grateful if yoou would kindly provide full and complete copies of any and all data you hold which relates to me and my entire history with your company. I have enclosed the statutory maximum of £10.

For the avoidance of doubt, take note that the enclosed cheque is payment for the fee relating to my Subject Access Request only and not a payment of any other kind or to be used for any other purpose. If you do not require a fee in order to process my Subject Access Request then kindly return or destroy my cheque.

For your convenience I have detailed below a list of what I require, although this is not an exhaustive list by any means and is just an example of some of the information I require with regard to any accounts I may have had or may still have with your company.

1. Computer screen notes relating to the conduct of my account
2. Computer screen notes relating to transactions that have gone through my account
3. Internal messages or notes relating to the conduct of my account
4. Internal messages or notes relating to transactions that have gone through my account
5. Recordings of any telephone conversations, whether internal or external, relating to my account
6. Copies of any e-mail's, or other electronic communications, whether internal or external, relating my account
7. Copies of letters relating to my account
8. All information relating to litigation that has taken place on my account
9. A detailed statement of account showing a breakdown of all costs charged, showing in each case the reason for the cost and the actual cost against that item
10. Copies of all reviews conducted relating to my account
11. Any costs which relate to accounts held by myself.
12. Copies of all relevant paperwork. I trust that the above is clear and should you be in any doubt as to your obligations as a Data Controller, then I would advise that you consult your corporate counsel.

As detailed above, I have enclosed the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one to which you have sent all previous correspondance to myself.

Yours faithfully


(Your Name)

[dpurshottam]

Re: Capital one Assistance required Please

Hi Casper,
Many thanks for the quick response, Great I will send out a SAR based on what you said as above, I will keep you posted on this.
again I appreciate your time.

[dpurshottam]

Re: Capital one Assistance required Please

Hi Guys,

Just to let you know the SAR went of today to Capital One!!

[Caspar]

Re: Capital one Assistance required Please

Hi Guys,

Just to let you know the SAR went of today to Capital One!!

So mark in your diary - they have 12 days (+2 for posting time) by which to respond. Full stop. No excuses from them, apologies for delays or anything. They effectively have 14 days for you to receive the requested info from them. That makes it Monday 16th November in my book.

Keep us posted!

David

[jaydp]

Re: Capital one Assistance required Please

Hi Casper, I thought that if a SAR was sent then banks had 40 days to respond in your posting above you state 12 plus 2 days posting Have I barked up the wrong tree somewhere??

[Curlyben]

Re: Capital one Assistance required Please

Just to clear things up here.

CCA - 12+2 working days
SAR - 40 days

[Caspar]

Re: Capital one Assistance required Please

Just to clear things up here.

CCA - 12+2 working days
SAR - 40 days

Doh!!!!! I blame it on me having a bad cold! Sorry for that.

40 days takes us to Sat 18th December. Keep us posted.

Sorry again - my mistake!

David