Sent claim today for my wife's old Capital One Credit Card.

help should be on the way soon!

help should be on the way soon!

I take it they can be a nightmare to deal with.

I take it they can be a nightmare to deal with.

bit more info would help = Who, copy of N1 form minus personal details, history last payment, issuer, amount, taken out, have you a copy of CCA1974, all this will help peeps to get the actual picture,

No info needed, no N1 involved

Just me sending a claim for mis-sold PPI including FOS questionnaire.

Yes, they can be beggars to deal with.. so best of luck, M

They were pretty quick dealing with mine: http://www.consumeractiongroup.co.uk/forum/showthread.php?432249-Hillards-v-Capital-One-PPI

Sent FOS questionnaire on 8th Sept, they replied on the 18th with an offer Still waiting for the cheque but I did delay that by asking them to explain how they had worked it out.

They were pretty quick dealing with mine: http://www.consumeractiongroup.co.uk/forum/showthread.php?432249-Hillards-v-Capital-One-PPI

 

Sent FOS questionnaire on 8th Sept, they replied on the 18th with an offer Still waiting for the cheque but I did delay that by asking them to explain how they had worked it out.

Thanks for that hillards, here's hoping they deal with mine as prompt.

Letter from Cap 1 today asking me to fill in a claim form when I had already filled in and sent them almost exactly the same FOS form

No doubt you will point out the error of their ways...

No doubt you will point out the error of their ways...

Time wasters, we have had a large number of complaints blah blah

Did you ask for the 39.9% as well?

Did you ask for the 39.9% as well?

I've not got round to that yet

So did you only go for the charges plus 8%?

So did you only go for the charges plus 8%?

I'm waiting to see what they come back with.

Letter of rejection from Cap 1 today, I'll post up details ect as soon as I can.

I am amazed that every time a claim is made the whole process starts again. Make a claim, claim rejected, complain, claim accepted, small offer made, offer rejected, larger offer made ....

At one time the banks were serious (kind of) of making reparations. Now they are routinely rejecting every claim and waiting for the FOS to make them pay.

The guys on this forum offer great advice but must be getting tired of helping people to find a solution when it is like groundhog day.

Why won't someone (FOS maybe) make a statement that the banks are treating customers with a total lack of respect and are routinely attempting to defraud their customers.

FOS is run by the Banks - so no chance

What reason did they give??

What reason did they give??

This insurance is a regular premium product designed to cover the balance of a credit card, and not a single premium loan.

This was clearly explained within the full policy Terms & Conditions.

You purchased the policy during a telephone conversation when you contacted us to activate the card.

At the time of your application, the information you provided to us about your circumstances confirmed that you were eligible for the policy:

- Aged between 18 and 64 years of age.

-Employed and therefore paying Class 1 National Insurance contributions.

Capital One sold PPI on a non-advised basis.

You had a 30 day cooling of period when you could have cancelled the policy.

It is a standard reply from Cap1...they use it all the time.

But they can never provide any evidence that such a phone call took place.

Ask them to provide evidence of this alleged call whereby you categorically stated that you wanted the PPI. They will not be able to.

It is a standard reply from Cap1...they use it all the time.

 

But they can never provide any evidence that such a phone call took place.

 

Ask them to provide evidence of this alleged call whereby you categorically stated that you wanted the PPI. They will not be able to.

I will do, all they include is a 'call script', do you know of any cases where they have been asked to prove it but can't and what has the outcome been.

I have seen it time and time again in the PPI forum with Cap1 claims. I am sure dx has too.

I am also pretty sure that there are examples in there where claimants who have been given this fob off have been successful.

I'm sorry but I do not have links to hand but am going from memory but I am sure there are successes.

Actually, you could have a look in the PPI success thread in the PPI forum. There may well be some links to successful Cap1 cases there.

Sound, thanks ims21 I'll have a look around and get a letter to them sorted.

What reason did you put forward as the cause of the mis-selling? Does the reply from Crap1 address this? Or are they just trying to fob you off!!