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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Capital One PPI claim

zacjake007
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zacjake007

zacjake007

Posted
Posted

Hi,

 

I got the card in 1998 and closed the account in 2008. When I phoned Cap One yesterday they informed me I ticked the box for ppi on the application form.At the time of the application I thought that if you did not have ppi you would not get the card. Is it still worth claiming for a refund?

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citizenB

citizenB

Posted
Posted

This is a typical first response from Capone. Have they provided a copy of the agreement where they say that you ticked the box ?

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ims21

ims21

Posted
Posted

Hi and welcome to CAG

 

If the PPI was mis-sold then you can put in claim. That box may have been pre-ticked. There are sometimes two or three reasons why ppi was mis-sold.

 

Have a read of this thread for other reasons for mis-selling

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?61081-PPI-Some-Notes-for-Claimants..(1-Viewing)-nbsp

 

Have you got all of your statements? If not then SAR them (Subject Access Request). There is a template for SAR in the CAG library, the link to which is at the top of every VAG page in green. Add a paragraph that says you want a copy of the agreement.

 

From the information that comes back it should be possible to prepare a spreadsheet showing the amount of your claim.

 

Also pop along to the fos website and download a copy of the consumer questionnaire ready for completion. While you are there have a read of some of the case study PDFs.

 

Also have a look around at other threads in the PPI forum to get up to speed.

 

ims

 

Thread moved to the PPI forum

 

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citizenB

citizenB

Posted
Posted
Hi,

 

SAR sent yesterday.

 

They have 40 calendar days to comply with the request - Capone are likely to take every one of those days.

 

Let us know when you receive a response.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...
sammysausage

sammysausage

Posted
Posted

I have a claim in with Capital One at the moment - letter sent 29th Feb - they wrote to me on 10th April advising that the will get back to me within 7 weeks of their letter. Bit crafty that, giving themselves a big extension of time but there you go! Quite a few years ago I cancelled the PPI over the phone and I verbally asked if it could be repaid as I've never asked for it and I was told it couldn't as I'd ticked a box. Requested copy of the form and they sent it to me at the time and I left it at that. Now with so much attention on PPI mis-selling I went back over the form and you can just make out (it seems they've tried to hide this in their photocopy) an X next to the signature section, a tick next to PPI box and another X for me to sign where the PPI box was. They've obviously just sent me a form telling me to sign where indicated and I've done just that. In this case the box was pre-ticked by a person (not a printed X) so that's a bit naughty - we'll see how I get on!

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ims21

ims21

Posted
Posted
I have a claim in with Capital One at the moment - letter sent 29th Feb - they wrote to me on 10th April advising that the will get back to me within 7 weeks of their letter. Bit crafty that, giving themselves a big extension of time but there you go! Quite a few years ago I cancelled the PPI over the phone and I verbally asked if it could be repaid as I've never asked for it and I was told it couldn't as I'd ticked a box. Requested copy of the form and they sent it to me at the time and I left it at that. Now with so much attention on PPI mis-selling I went back over the form and you can just make out (it seems they've tried to hide this in their photocopy) an X next to the signature section, a tick next to PPI box and another X for me to sign where the PPI box was. They've obviously just sent me a form telling me to sign where indicated and I've done just that. In this case the box was pre-ticked by a person (not a printed X) so that's a bit naughty - we'll see how I get on!

 

I'd start your own thread for this.

 

Don't forget they have 8 weeks from the date of receipt of your complaint to give you a decision

 

ims

 

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sammysausage

sammysausage

Posted
Posted

Thanks IMS21 - this was more in response to zacjake007, to show that I've got a copy of my form where I've 'signed' to request PPI but that the X's were already put there for me by CAPONE staff! I'll bet their form was pre-ticked too!

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  • 4 weeks later...
zacjake007

zacjake007

Posted
  • Author
Posted

Hi,

 

Received my paperwork yesterday. It shows that I did tick the box for PPI. But I will still make a claim.

 

Also they sent me another customers leter with their card details etc by mistake,what should I do wiyh this?

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sillygirl1

sillygirl1

Posted
Posted

I like telling people who use the 'well you ticked the box' that 'when you joined the company you work for did you tick the box that said you had no common sense?'...

 

Cap1 are naughty giving themselves an extension - report them to the OFT/Trading Stgandards/FOS. The rules are very clear.

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ims21

ims21

Posted
Posted
Hi,

 

 

Also they sent me another customers leter with their card details etc by mistake,what should I do wiyh this?

 

This is a breach of the DPA so you should lodge a formal complaint with the Information Commissioner. You might also like to contact the person who's details you have received in error as they might also like to lodge a formal complaint about this breach.

 

ims

 

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