Capital One & PPI

[chancer1]

Hi,

Looking for some advice please.

I sent Capital One a message asking how I recover PPI that was misold on previous account I held with them, there responce was this......

"Thank you for your message. Unfortunately, you cannot claim the payment protection insurance from your previous account.

I’m sorry for the disappointment this causes. "

 

Is this complete rubbish or are they correct?

[Crocdoc]

Without knowing the full detail it is difficult to be precise, however why not fire in the claim anyway giving reasons why you think the policy was mis-sold and see wht they come back with. We can then look at it again.

[ims21]

Hi there

 

My view would be if it's mis-sold then it's mis-sold and you can claim it back snd there is no limit as to how far back you go.

 

Got any statements for the account?

[chancer1]

Hi there

 

My view would be if it's mis-sold then it's mis-sold and you can claim it back snd there is no limit as to how far back you go.

 

Got any statements for the account?

 

Yes - I think I have - need to dig them out. I believe it to be misold as I didn't ask for it and I already have work related benefits that would cover me for 12 months at least.

 

I will dig out the statements and send of the template letter.

 

Many Thanx

[ims21]

Yes - I think I have - need to dig them out. I believe it to be misold as I didn't ask for it and I already have work related benefits that would cover me for 12 months at least.

 

I will dig out the statements and send of the template letter.

 

Many Thanx

 

 

Hi Chancer

 

Good. If you have the statements you are well away because you will have details of all the premiums and you can get you claim calcs done straight away.

 

ims

[silverfox1961]

Hi,

I bet Cap1 are going to rely on s32 of the limitations act so if they do, you can throw this at them,

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?293386-Quick-question-Cap-1!&p=3288744&viewfull=1#post3288744

[chancer1]

Hi,

I bet Cap1 are going to rely on s32 of the limitations act so if they do, you can throw this at them,

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?293386-Quick-question-Cap-1!&p=3288744&viewfull=1#post3288744

 

Hopefully they won't as the account was closed within the last 18 months or so, and only opened about 3/4 years ago

[silverfox1961]

Hopefully they won't as the account was closed within the last 18 months or so, and only opened about 3/4 years ago

 

Oh well that blows my theory out of the water then

 

Is that the only statement they made or did they go into detail?

[chancer1]

Oh well that blows my theory out of the water then

 

Is that the only statement they made or did they go into detail?

 

That was the only statement they made - short and sweet!!

[deedee1310]

You can definitely claim.

 

I currently have a claim with them for an account opened in 2001 and closed in 2005. They've made me an offer which I am in the process of rejecting. Haven't got round to sending my LBA. Will do it tomorrow.

 

Go on with your claim. I had all my statements too. I definitely didn't ask for PPI and it wasn't even an option on my original application form.

 

Wish you all the best, I will follow your thread with interest.

 

deedee