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Capital One PPI urgent answer please

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Hi

 

i am new in this forum.

I just need some advice.

 

I have missold PPI by Capital One and have been paying for 7 years I realise.

 

I I filled a complain form and sent to them.

They replied my letter in 8 weeks and told me that I haven't missold PPI .

 

They say that If I would like them to review my case again, I have to write them with relevant details.

 

I am not going to write all thing they told me but I just need some advice from you.

 

In their respond they told me that when I applied to Capital One Credit account by completing a postal application on 18 June 2004.

and at that point I did not indicate that I wanted to purchase optional PPI

and as a result it was not applied to my account at that stage.

 

But I purchased the policy during a telephone conversation on 11 February 2005.

 

they phone me and I purchased the PPi on the phone.

 

Are they allowed to do that?

 

because I did not sign any policy agreement.

 

Thank you

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hi

 

you need to put them to strict PROOF

by telephone recordings that you DID request PPI.

 

you need to fill out the FOS CQ

 

and ideally do that along with a spreadsheet.

 

see below

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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sar them

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry but won't I need to sign the policy or tick the necessary box for purchasing the PPI?

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Hey boss, I have a claim here for missold ppi - just tell them they bought it on the phone in 2005, they won't remember.

 

Well if they know the exact date, then they must still have a recording of that call, so that is what you need to specifically mention in your SAR.

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This is a typical response from Capone and you must insist that they either provide a recording of the call or their communication log for that period.


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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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