Did you get anywhere with Capital one? I had the same issue where I apparently agreed to PPI when I activated my card however capital 1 has also stated that they could not locate the phone conversation so how can they prove my PPI was not mis-sold to me? does anyone have any advice on how I should deal with this?

I am really new to this but I need some help with a rejected PPI claim from Capital One. I initially had no idea I had PPI but thought id make a claim and see. Capital One responded to say I had PPI and were investigating to see whether it was mis-sold. I then received a letter today to state that my PPI was rejected because I apparently agreed to it via a telephone call to activate my card. It then goes on to state that they are unable to locate a recording of the telephone call however at the time I met the eligibility criteria of the PPI. Can someone please advise me on what I should do next? How can they prove that it was not mis-sold if they do not have the telephone conversation to prove it? They have stated their decision is final but I feel that the case has been unfairly judged as there is no evidence to support their case. Should I send it to Ombudsman? however, I have read that always agree with the banks. Any advice I can get on this would be really appreciated. Thank you