Hi all,

Not been here for a while but wanted to ask for some help.

Recently I went down the route of doing a PPI claim via Resolver with Capital One and I was sent a letter confirming I had previously had PPI and they were investigating.

Today, I received a letter from them outlining their decision and why.

The document they have sent me is 4 pages long and they have said that I ticked a box for PPI when I signed up for the card, I never did, I specifically recall having to call a number to activate my card and on I went to spend a few quid.

I do recall seeing the payments on my card statement and to be fair, I never put two and two together and just left it, assuming it would be a good idea to have it.

I'm happy to post up a copy of the pages tomorrow for you to look through, if someone would be kind enough, I know you guys really helped us last time.

They are stating something about a case Plevin v Paragon.

I've had a look on google but it seems a bit mind boggling to be honest.

They (Capital One) claim a decision is to be made by the end of August 17 and my case would be "automatically reviewed" but after coming back here and seeing numerous posts about Capital One and the claims process I am seriously doubting the document and would really appreciate the help of the geniuses here that helped us previously.

Would be grateful if someone could advise on what to do next,

I'm sure I am on a timescale and I know I never ticked a box and I am almost 100% sure that when I applied for the card it was online / via phone.

I've never applied for a card via post, ever.

The card was taken out 2000 and cancelled 2004.

Capital one know full well that it was done over the phone and you were conned

Loads of threads here on the little white sticker on card that said "ring this number to activate"

Funny thing is the card was already active

And it was to do with activating the the card protection

Sar them

Kind of what I thought.

I'll do the sar asap. Just wondering if I should also complain via Ombudsman?

you've no details yet

sorry but resolver is useless in doing PPI reclaim

as its simply a speculative letter and you'll get a fob off

as you've no data to back up your claim

Ok, sar it is asap

Capital One returned no such information they claimed on their decision letter.

I then approached Financial Ombudsman and a few minutes ago received a letter that the adjudicator has upheld my complaint and Capital One are going to make me an offer of compensation.

I don't know what it will be yet so have to wait for that but it's looking positive. There is just a part of me that is extremely annoyed that they (Cap One) tried to get rid of me with a letter with what really was lies.

I'll update again once I know, they suggest up to 8 weeks though.

I just wanted to pop back and let everyone know how this has gone.

Since the CapitalOne claim I did, I have had 3 others as well and for the benefit of anyone else asking same or similar questions.

I used Resolver (I know DX100UK said it wasn't the best) but after doing the CapitalOne claim I tried others but added a lot more information. I have now had successful payouts from Natwest (who were by far the easiest to deal with and actually, didn't argue). £5670.

CapitalOne are now paying out, cheque should be with me in a few days - £423.00 it does include a few pence over but just rounding to the nearest pound.

The Associates (CITI) - awful trying to deal with them, but they have admitted liability for £1150.

CapitalOne and Associates (CITI) were referred to the FoS and they upheld my complaint.

I know that this group does great work with helping people and we are so grateful and will be making a donation in the next wee while.

Thank you kindly to everyone here and I wish everyone a Merry Christmas (early) as I hope to not be back before then - in the nicest possible way.

Spacedood.

Thanks for the update spacedood and well done on getting some cash back, my Cap 1 claim is still with the Ombudsman, it's been a nightmare.

I also eventually got my cash back from the Associates (Citi).

Have a good Christmas when it comes.

Just received the cheques from CapitalOne and Citi (Canada Square Ops).

Happy days.