I was just wondering did you ever here from alliance and Leicester? I had a similar letter to yours with mbna saying they had forwarded my complaint onto them. Regards Stuart

Thanks for the response. Do I have s seperate claim against santander or should I be pursuing the fact that mbna are responsible for the account even before they acquired it. Stuart

Hi I recieved this letter today rejecting my claim for a ppi claim. Here's a transcript of it. Dear Mr king, We recently contacted you requesting further information relating to your ppi complaint. To date we have not recieved this information. Therefore, I have based my findings on the information currently held. However, if you could supply the information, we will look to address any concerns raised. Following investigations. I having identified that mbna acquired your account from alliance and Leicester and the sale of ppi was made by them prior to mbna becoming your service provider. When your account was transferred to mbna, new ppi policy terms and conditions were issued to you and you were given the opportunity to review and cancel your policy, should the new terms and conditions not meet your requirements. Our records confirm that you were eligible for the product and we did not offer advice about the policy and provided you with information only. Having considered the information you provided, our processes and disclosures which we made to you at the time, we are satisfied that you had sufficient information to make your own evaluation of and decision about the product on offer. On this basis, I regret to inform you that I am unable to uphold your complaint or issue a refund on the premiums you made. It goes onto say they have forwarded my complaint to alliance and Leicester (Santander) and that its their final desicion they have also included the details of the ombudsman service. Just a few questions and advice needed please. I received no letter from them asking for further information and I included the ombudsman questionnaire which was completed in full. Will I need to contact santander or will they review my complaint based on it being forwarded to them? The letter states that they provided me with information only about ppi surely this is opting me in automatically for ppi without asking me to sign for a new policy. I don't recall receiving the details about the ppi. If mbna acquired my account are they not fully responsible and is it right to transfer it to santander? Any advice on what my next step should be would be most helpful. Kind regards Stuart

Hi, I've just send my ppi claim letters of to capital one and mbna. I'm going to now write to them for my sar just to speed things up. Just 2 questions will my sar contain a copy of my original application? Also do I address my request to the same address as my ppi claim? Kind regards Stuart

Yes but is there a way of finding that out? I'm trying to recall the application but I certainly wouldn't have ticked the box knowing it would cost me more each month. Regards

Thanks guys, I'm going to post my letter Monday. The main reasons I believe I was mis sold the insurance are as follows. 1. I wasn't made aware that the insurance was optional 2. I was made to believe that the insurance was a requirement for me getting the credit card 3. I was not told there were other companies offering similar insurance 4. It wasn't explained to me that my insurance payments would increase based on the balance of my loan 5.the terms and conditions were never fully explained to me by an advisor and this being my first credit card I believe they should have been Do these sound like genuine reasons for me to make a claim. Regards Stuart

My main reason for claiming it was miss old is that I was never made aware it was optional and that I believed it was required as a part of the requirement for me getting a credit card. My main concern is the date of application 1999 is this'd too early? Regards Stuart

Hello, I'm just about to start going through the process of claiming back my PPI from capitol one. The excellent advice on this forum has given me the confidence to give it a go. I have had my capitol one credit card since September 1999 and am still paying PPI on it to this day, I read on this forum somewhere that capitol one were not regulated in 1999 so any claims for PPI are not valid for applications so far back. I'm unable to find the post again but the person involved forwarded it to the foc who said it was a grey area. Do we know if this is true? And is it still worth applying? I obviously can't recall much about the application process but I'm part pretty sure I applied on the internet and then they forwarded me the letters to sign etc. With regards to the PPI I certainly don't recall ever been spoken to about it and didn't at the time realise it was optional hence why I'm still paying it now although I will ask them to cancel it in my letter to them.. My concern is they will provide me with a form possibly with a tick in it, how do I go about disputing this? I have reads also they only keep documents for 6 years, will my claim be valid for the full 14years? Thank you in advance any help would be appreciated. Regards Stuart