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PPI and Capital One

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Could someone advise me as to my next step.


I sent a letter to Capital One saying the following:

I am writing to request a fully comprehensive list of all the insurance charges added to my account with Capital One Bank. If you are unable to provide this data, I will accept copies of my statements. I understand that statements on their own are not covered by the Data Protection Act, yet I’m not requesting the statements per se, but the charges, which I’m entitled to.

I look forward to your response within 40 days, as is obliged under the Data Protection Act 1998. If not I shall seek remedy from the Information Commissioner.

I received a reply dated 16th July Reference: S78, telling me it was going to take a while to look in to the situation and come back to me with a detailed response. They said it could take longer than four weeks.


I have just received another letter dated 11th August but Reference: PPI saying that they are going to look in to the situation and come back with a detailed response but it could take longer than seven weeks.

What should my next move be, should I just wait to hear from them or send them another letter saying I am not accepting their timescale.



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Hi Everyone


Have decided to send this letter to Capital One from the Templates Library, I think I am getting there slowly.


Any advice on the way would be greatly appreciated.


Section 7 – Data Protection Act 1998


Dear Sir/Madam


Account: xxxxxxxx


You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).


If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.




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