capital one credit card ppi response

[steve76]

hi all

 

i sent a letter claiming ppi on my credit card and today received a letter back along with a copy of the agreement which shows i crossed the insurance box

 

do i have any go back to this ??

 

please advise

[sleepz]

Yeah.

The fact the you agreed to the PPI isn't really the case, as obviously you would have had to accept it before you can reclaim it.

 

The issue is with the way it was sold to you.

 

Have you sent off a Subject Access Request?

 

The thing to remember here, and I say this a lot ... This isn't a get rich quick scheme. Im not gonna go on a moral crusade here, but the issue with mis-sold PPI is that it was mis-sold, it's not enough to just say, "Well everyone else is doing it, I might as well do it, it's money for nothing".

Im not saying that's what your doing, it's just an observation on how I think things are going.

 

What you really need to do is tell them why and how the PPI was mis-sold to you, did you do that?

 

Fill us in on exactly what you did to get to the stage of asking them for a refund ... I assume you didn't just write to them asking for a refund?

[sleepz]

Sorry, reading that back, it comes across as a bit snappy.

 

Can you give us more information on what you've done to date to get that reply, also what reasons did you give them that you thought the PPI was mis-sold.

 

Give us as much info' as possible (without going into personal details) and we'll help you out, that post isn't really detailed enough for us to give you reasonable advice.

[steve76]

hi

 

when i applied for the credit card in 2005 it was done by filling in an application form by post hence them sending a copy of this in response to my claim

 

my reason for claiming is i thought i had to have this cover to qualify for the card , in the letter they sent me capital one say they sent me info on this subject but i dont recall reading anything and defo never spoke to anyone about it , also they state i had a cooling off period in which to cancel the cover from the start date

 

maybe i should reply back stating that i thought i had to include the ppi insurance in order to qualify for the credit card and that i never received any info on the matter ?????

[alanalana]

Hello steve,

 

Have a look at these links they will provide you with some information on how PPI has been mis-sold.

 

PPI - Some Notes for Claimants..

 

Mis-sold PPI? Want your money back? use these links to help

 

The second links has even more links here are a couple on reasons PPI was mis-sold

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another link from PPI thread back in 2007

Can I complain about old PPI policy? | This is Money

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

 

There is much much more the best advice I can give is read up on PPI then get your data then claim your money back.

 

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