Thread: Emma VS Capital One PPI Reclaim

Originally Posted by emmarichardson

hello everyone,

Im new to this site and my first time posting.
I have been reading through the treads for advice but as of yet havent found any relating to misold PPI (payment protection insurance).

My situation is my husband is self employeed and was sold a PPI for his Capital One credit card.

he has had this insurance since taking out the card in 2001

I have sent them a letter stating that my husband is self employeed there for is not eligable for PPI,
Capitol one have sent a letter back saying that he was sold his PPI over the phone and that all the terms and conditions were explained to him in brief over the phone they also say that they sent him a form to sign to confirm the PPI.

I replied to there letter after reading various threads asking for copy of the telephone conversation and a copy of the form that my husband was supposed to have signed.

they have replied back to me by saying that they are unable to provide me with a copy of either as they dont have them? which i found strange as i havent even cancelled the PPI yet, should i cancel this?

can anybody please advise/help me with the next stage

many thanks in advance

Emma

Hello Emma and welcome to the ppi forum,

I think the first thing to do is have confidence that they are giving you the old push off. Please remember the onus is on them to prove that they did not mis-sell the ppi and if they did sell it, it was sold fit for purpose.

Have you sent them a S.A.R - (Subject access request) to get all the information that they hold relating to the account. It costs £10 and they have 40days to comply under the Data Protection Act.. Sent the letter with a £10 postal order, recorded delivery (Keep all receipts) you can check on the royal mail website that they received it and start counting the days:grin:
Here is the template letter link, amend to your own details

Full S.A.R - (Subject access request) for ppi

Meanwhile read around the ppi forum, their are stickies at the top with vital relevant information and of course there are other peoples threads to follow

If you have any problems or questions ask away:grin: