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PPI Claim against Capital One


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Hi everyone!

 

I am new to this forum and struggling to find my way round.

 

I have a Capital One card and decided last week to try to claim back the PPI I have been paying since 2004.

 

I sent them a claim form last week which stated I didn't remember taking PPI out but had found a statement dated 12th January 2004 that has a payment listed on it.

 

My argument is based on the fact that I didn't know I was paying it so it can't have been sold to me correctly.

 

They have responded to me with a letter titled Payment Protection Insurance Review.

Letter reads:

"You have been protected by PPI since 14/08/2003. Your PPI can cover your Capital One credit card payments if something happens to you and you can't make them. The enclosed PPI annual review summarises your policy (please note for policies starting before 14 Jan 2005 no policy summary is included). However for full details of you cover & exclusions, please refer to your PPI policy document.

 

Please take a few minutes to look through the annual review and check that your details are correct. If anything needs updating or you have any questions regarding this review, please call us on ...........

 

We will write to you again in 12 months with your next annual PPI review.

 

Thanks for being a Capital One customer."

 

I have never received a review before and don't know why they have sent this to me and would like some advice as to what to do next.

 

Thanks

 

:x

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what claim form did you send?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sounds to me like they have treated it like you want to make a claim under the terms of the policy itself rather than a mis-selling claim.

 

I'd write back to them with a copy of the fos questionnaire that you sent and point out their error. Tell them that 8 weeks they have to resolve the matter is running from the date they got your original complaint.

 

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