Capital one PPI

[RonnieScott]

having a fight with Capital One,

trying to reclaim my PPI that I paid for 6 years,

they are refusing to pay it to me.

 

I am arguing that I was self employed and they knew this so policy should not have been sold to me.

 

i sent them CCA letter 12+2 days

 

I received a reply showing a photocopy of my original signed credit agreement.

 

Yes I did tick the box for PPI,

but I also ticked the box about my employment to say I was self employed.

 

Who wins this one then?

[SAB231268]

If you have received the Final Decision, refer the case to the Financial Ombudsman Service for adjudication. If you ticked the box they may opine that the policy was not recommended to you in which case it may not have mis-sold.

[dx100uk]

might not either ...silly post..

 

what have you done so far in terms of reclaiming?

 

have you sent anything off?

 

like an FOS CQ and your spreadsheet

?

 

when was this taken out?

 

cap1 usually wriggle anyhow but cave in when confronted with court papers

 

tell us the full story of the debt and what you have done/sent to date

 

dx

[t18con]

was the form filled out by yourself or one of their salespeople? in not yourself, then the box could have been ticked at any stage during the process. is the tick identical to other ticks used on the form ....... Are you CERTAIN it was ticked when you signed it??????

[Hortz]

having a fight with Capital One,

trying to reclaim my PPI that I paid for 6 years,

they are refusing to pay it to me.

 

I am arguing that I was self employed and they knew this so policy should not have been sold to me.

 

i sent them CCA letter 12+2 days

 

I received a reply showing a photocopy of my original signed credit agreement.

 

Yes I did tick the box for PPI,

but I also ticked the box about my employment to say I was self employed.

 

Who wins this one then?

 

Difficult to say based on the info you've provided. If it was a distance (mail or internet) application and you did actively opt to have the cover and it covers self-employed people then it's difficult to see where the grounds for complaint lie. If there was a member of staff involved and it actually excluded self- employed you may have a case. More info needed.