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Posts posted by joox

  1. Update:

    They have sent 3 letters.

    1: They have made their final decision and we have to complain to the FOS

    2. Requesting more info in order to investigate the case further.

    3. Saying their last letter was a mistake and they have concluded their investigation and stick to their final decision back in February and will not be paying out for any PPI premiums.


    All correspondence now going the FOS for them to investigate. 




  2. Update= Since our last letter dated 30 July, Followed by a call on the 28 Aug chasing updates from them. We heard nothing until today. Their letter states the following:


    "We have been unable to complete our investigations within the original  time frames stated on the acknowledgment dated 31 July due to us not having received the requested information to enable us to respond to the complaint"



    And later they say since its been over 8 weeks, we can now refer to FOS but its advisable for them to complete the investigation first but we need to submit the requested info before they can do so!


    Never received any other letter from them and not sure what information they need. They also acknowledged receiving the letter dated 31 July on the phone but no direct response in writing.










  3. Just called Capital One and she was told the account was opened on the 24/11/2003 that's the date on their system.


    Also, initially thought the application was made online back in 2003 :) not sure we had access to online applications back then but it seems it was done over the phone.

    Not very clear on details from their side. 


    On the logs, it states it was accepted on the 11/11/2003 and the application starting date is the 13/10/2003.


    The customer service person said there seems to a discrepancy with the dates regarding PPI and has provided an address to write to find out why the dates differ !!! 

  4. this is the letter i will use:



    You refused my ppi reclaim because you mentioned that I agreed and purchased the PPI  on a phone conversation with Capital One on 13th October 2003. It seems the PPI was already activated with the little sticker on the back without my knowledge


    I have gone through the SAR but unable to locate any of this information as you claim. Please kindly outline where is the data that confirms I did agreed to this? I am looking to locate records of when the card was activated and when was the PPI activated



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