Frank 62 - v -Capital One

[frank 62]

hello people

here is the letter i got today.

 

tks for writing to us again about the ppi that you still feel that you where

mis-sold;

 

as i,ve already explained . cap one ensures that or marketing material is clear and not misleading. ppi is opyional.

 

you had 30 days cooling off that you had to cancel'

this is our final responce in this matter.

 

you got the full policy which includes full terms and conditions,

 

so why shall i do now any help or link you can give me please thankyou

[steven4064]

Have you sent a request under s78(1) of the CCA 1974 for a copy of the executed agreement for your card? If not, I would start with that.

 

Secondly, do you know if there are unlawful charges? If you don't know, send as SAR. If there are charges, you should reclaim them.

[frank 62]

copy of the executed agreement got that

 

send as S.A.R - (Subject Access Request where can i get that please

[steven4064]

There's a template in the bank templates library

 

Does the executed agreement show you as having ticked PPI?

[steven4064]

Send the SAR (they have 40days to reply) and you should at least get all your statements. From these you will be able to see if there are unlawful charges (eg for late payment, etc). You can htem start a claim to get them back. It is probably best to reclaim PPI at the same time.

 

The fact that hteir marketing material is clear is not the only consideration for PPI being mis-sold. It would have been mis-sold if your circumstances were such that you couldn't claim on it - for example if you were/are self-employed or on benefits.

[frank 62]

the executed agreement shows that i did ticked PPI box

what now please

[steven4064]

There is still the possibility that it was mis-sold if your circumstances were such that you could never make use of the PPI - in particular, if you were self-employed or on benefits or, if you later tried to make a claim on it and were refused.

[frank 62]

HELLO was not on self-employed or on benefits at the time.

they will not pay up , thy have told me this in the last letter

what should i do now please.

[steven4064]

they will not pay up , thy have told me this in the last letter

Why were you trying to claim?

[frank 62]

hello i feel that i was

mis-sold; it

tks frank

[steven4064]

hello i feel that i was

mis-sold; it

tks frank

I think you need to be more specific than that - that would not hold up as a reason in court, if it ever got that far.