I've had a successful claim from Capital One on a card I defaulted on about 5 years ago and am paying a nominal fee too each month to a debt collector. We're not talking huge amounts of money, but I was lead to believe that if a debt had been sold on, the bank still had to pay you out, leaving it up to you, to then pay the debt collector? Capital One's letter says that the account was sold to Cabot and that any refund I get will be offset against what I owe to Cabot Is this correct? My bank statement still actually says I'm paying Captal One, but by credit rating support says the debt is with Cabot. Are they the same company? Also, they have failed to sign the settlement form where it says "Signed on behalf of Capital One". Should I still sign and return it, or send it back and make them do it properly?

Letter sent - Will update you with reply when it arrives.

This is my reply Any comments / additions / deletions welcomed 28/06/2012 MBNA Visa Dear Sir or Madam, Re: Account number: **** **** **** **** Thank you for your letter dated 25/06/2012 regarding claim for PPI refund on the above account. Firstly, your letter refers to my initial contact to you on 6th April 2012. My initial letter to yourselves was not even written and posted until 28th April 2012, so are we talking at cross purposes? Secondly and regardless of the above, the evidence you have sent me, in the form of a photocopy of my signature on an application form does not even indicate that this form is connected in any way with the VISA card I am referring to in this complaint. Even the place I am supposed to choose between Visa or Mastercard has not been ticked. Thirdly and bearing in mind the above, you have already upheld my complaint with reference to my MBNA Mastercard (Your Ref: ****** – concerning card number **** **** **** ****). Not-withstanding all the above, my claims in my initial complaint still stand. Namely: • The sales person selling the insurance was pushy and strongly advised me to take the insurance. • I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments. • You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest. Your Staff went through the application with me. Your staff enquired about my living arrangements and my work status and concluded which card I should apply for, however, to ensure the application was accepted, I was told I must enrol on the PPI scheme. Unless you can prove to me by transcript of telephone conversations that I was not coerced into selecting the PPI option, rather than 'assuming' your staff followed their script, I demand the return of all my PPI payments plus interest forthwith in-line with FOS guidelines.I look forward to your full and prompt response to this letter. Yours faithfully,

the form itself that I supposedly ticked even says "We strongly recommend that you take out this cover"

• The sales person selling the insurance was pushy and strongly advised me to take the insurance. • I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments. • You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest. These are the points on my original letter of complaint

28th April I mailed complaints to 9 credit cards So far, I have had success from: MBNA Mastercard, @£3.5k Co-op Bank Visa (formerly Northern Rock Visa). @£1.7k Barclaycard for former Providian / Monument Visa, @£500 Egg Visa, @£900 Just had 1st knock-back too from MBNA for Visa card which I am going to challenge Waiting for replies still from Lloyds for 2 cards, another Barclaycard and Capitol 1 visa

I am confused by MBNA I made two claims to them on 28th April 2012. one for a Visa card and one for a Mastercard, both of which I applied for at the same time at some point in 2002 via the same "salesperson" at Belfast City Airport Both letters were posted at the same time, to the same address: The Mastercard: Initial reply 17th May Apology for delay 28th May Complaint upheld 29th May Cheque received 2nd June The Visa Initial reply 22nd May Apology for delay 30th May Claim declined 25th June (referring to my initial contact on 6th April!??) The declined letter was worded pretty much exactly as the initial poster on this thread stated, but unlike his, I did actually get a copy of my signed form. The choices of card are restricted to Visa card and mastercard, but on this form, neither is ticked, to say which of my two cards this form applies to. It also says on the form that this is to "apply for your additional card". My memory from 10 years ago is a little shabby now, but I'm guessing it was a case of apply for a Visa and we'll give you a mastercard too. Anyway, as there is no indication on their "evidence" that it applies to one or the other and as they have already upheld my complaint for the Mastercard anyway, do you think I have a valid case to go back and ask again?