Thread: Capital One decline PPI...what now?

Hi folks....hope someone can help me please.

Had a read through some of the posts but cant find anything suitable....Wrote to Capital One begginning Feb requesting full refund of mis-sold PPI.
Got a reply today from them which (I think) is a cop out...

to cut a long story short is basically states i was sold the PPI during a phone call with them where i had the option to listen to a limited version of the terms and conditions and also was sent full details in the post (cant remember if i got either to be honest)
It states the product was optional which was made clear to me (I am positive this was not)
They state their telephone scripting is clear, fair and not mis-leading. Capital One would not have made a recommendation I took PPI (I would never have requested this)
I had a 30 day cooling off period and could have cancelled at any time.
They are not refunding any of the premiums...

Sorry for the long post tried to put as much from the letter in here (dont have a scanner so its all mannually typed lol)

Just really wondering if anyone else has had this and where do I go from here? I'm new to this having not attempted to claim anything back before and wonder should I write to them again....and what to say?

Any help would be greatly appreciated...thanks

Have you sent them a Subject access request letter ?

I think you need to get hold of the telephone recordings from them as it is them that has to prove this too you.

The S.A.R letter should get you all this.

There is a template letter in the stickys at the top of this forum there is a £10 statutory fee so you will have to include this with the letter and sent it at least recorded delivery and get a postal receipt.

You have to allow them 40+2 days to do a search of there records 2 days are to allow for postage.

Regards

Pompeyfaith

Hello just wanted to say that I received the exact same letter from Capital One.

I too was sold PPI during a telephone conversation but my call took place on the 5th of the month, my account didn't open until the 17th

I sent Cap 1 a SAR and guess what? no evidence of this so called conversation not even a computerised record of the call being made. The CCA wasn't signed either and the box wasn't ticked for the ppi.

Needless to say I have wrote requesting a full refund (only £200+) or I will go to the fos.

Good luck with this and don't be put off by their letter, it seems it is just a template one.

Hi just wanted to say thanks everyone for your replys.
Sent another letter to them and guess what...they're repaying the full PPI plus interest to me £101 Woohoo!!

RESULT!!!!!!!!!!!!!!!! well done

PF