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capitol one new claim, advice needed


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Hello,

I'm just about to start going through the process of claiming back my PPI from capitol one.

 

The excellent advice on this forum has given me the confidence to give it a go.

 

I have had my capitol one credit card since September 1999 and am still paying PPI on it to this day,

 

I read on this forum somewhere that capitol one were not regulated in 1999 so any claims for PPI are not valid for applications so far back.

 

I'm unable to find the post again but the person involved forwarded it to the foc who said it was a grey area. Do we know if this is true? And is it still worth applying?

 

I obviously can't recall much about the application process but I'm part pretty sure I applied on the internet and then they forwarded me the letters to sign etc.

 

With regards to the PPI I certainly don't recall ever been spoken to about it and didn't at the time realise it was optional

hence why I'm still paying it now although I will ask them to cancel it in my letter to them..

 

My concern is they will provide me with a form possibly with a tick in it, how do I go about disputing this?

 

I have reads also they only keep documents for 6 years, will my claim be valid for the full 14years?

 

Thank you in advance any help would be appreciated.

 

Regards

Stuart

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Hello Stuart.

Welcome to CAG.

 

You do need to have a reason for claiming the PPI was missold.

 

It would be advisable to make a Subject Access Request under the Data protection Act 1998 to get all the data Capon have on your account and the PPI, there is a £10 statutory fee to pay and Capone have 40 days to reply, this should be addressed to the Data Controller and sent by recorded delivery so yuo can check receipt,

the 40 days start the day the receive it.

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go get 'em!!

 

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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My main reason for claiming it was miss old is that I was never made aware it was optional and that I believed it was required as a part of the requirement for me getting a credit card.

 

My main concern is the date of application 1999 is this'd too early?

 

Regards

Stuart

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Thanks guys, I'm going to post my letter Monday.

 

The main reasons I believe I was mis sold the insurance are as follows.

 

1. I wasn't made aware that the insurance was optional

2. I was made to believe that the insurance was a requirement for me getting the credit card

3. I was not told there were other companies offering similar insurance

4. It wasn't explained to me that my insurance payments would increase based on the balance of my loan

5.the terms and conditions were never fully explained to me by an advisor and this being my first credit card I believe they should have been

 

Do these sound like genuine reasons for me to make a claim.

 

Regards

Stuart

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Quite a few online systems would not let you move forward with the application unless you did tick the box, which would almost certainly make that mandatory.

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right

 

in a way you are going about this the wrong way

 

you are looking FOR a reason it WAS mis-sold.

 

you HAVEN'T got to do that.

 

it WAS mis-sold, everyone inc cap1 know that.

 

if for them to prove it WAS NOT

 

not for you to prove WAS.

 

 

dont forget

 

show them you know what you are doing

 

FOS CQ

 

spreadsheet

 

covering letter

 

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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i am a great believer in NOT using the SCATTERGUN approach

 

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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