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Capital One PPI Claim


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Reason given being employed and paid full salary whilst off with sickness or illness, Cap 1 did not address this.

Letter asking for proof I asked for policy sent today.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 months later...
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Knocked back by Cap 1 after 2nd complaint, sending complaint to FOS over the weekend.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Knocked back by Cap 1 after 2nd complaint, sending complaint to FOS over the weekend.

 

If I were you I'd do a court claim. Be quicker.

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Advice & opinions given by Caro 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.

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If I were you I'd do a court claim. Be quicker.

 

Sent the complaint on Sunday caro, I'll hang on a bit, see what they come back with.

 

I know most people don't rate the FOS too highly but in all the dealing I've had with them I can have no complaints :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Good luck.

 

:thumb: Thank you.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Court Claim better

 

Mike do you have any examples of court claim successes ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Letter of acknowledgement from FOS.

They are looking into my complaint.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Another letter from FOS, want me to fill in a questionnaire

Say they could take 2 years !!!

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sent back FOS forms today, see how long it takes them to get back to me.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Letter from FOS saying they are now looking in to things.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Brings to mind the Beatles song 'A day in the life' where there were 4,000 holes in Blackburn, Lancashire - wonder how may of those the council actually looked into :-)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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It's the never ending story :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Another letter from FOS today, fill in these forms and send them back.

 

Think they must have binned the last two lots I've sent them !!

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I do mine on the computer and scan anything else. That means I have a copy of everything I send and could just print another set off instead of filling in from scratch.

 

If it were not the FOS I'd suspect they were trying to get you to trip up and fill them in differently.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 4 weeks later...

Phone call from FOS today saying they are sending a letter with an update. (I won't be holding my breath).

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 months later...

So 11 months down the line got a letter from the FOS yesterday saying they are taking on the claim, Cap 1 said our complaint was made more than 6 months after their final response letter sent on the 21st October 2014. I complained to the FOS on the 1st April 2015 which is a couple of weeks shy of 6 months.

 

FOS have given Cap 1 21 days to respond to their findings.

 

We'll see how it goes, this is one claim I'm still not to sure about getting any joy.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sounds positive maroondevo...:wink:

We could do with some help from you.

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  • 1 month later...

Well, still nothing from Cap 1 or the FOS.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 9 months later...

Letter from FOS on Friday saying they are not upholding my complaint :(

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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FOS have given Cap 1 21 days to respond to their findings.

 

And did they?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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FOS have given Cap 1 21 days to respond to their findings.

 

And did they?

 

They did, the FOS have said that looking at what happened when Capital One sold us the PPI, I don't think they did everything they should have, and I think some of the information they gave you could have been clearer.

 

But I do think they made it clear that you didn't have to buy the PPI policy, I also think you agreed to buy it.

 

What we will now look into....

 

The Supreme Court decided a case that involved the commission on a PPI policy (Pelvin v Paragon Personal Finance)

 

We need to think carefully about what all of this means, taken together with all of the other circumstances of your complaint, before we can let you know if this makes a difference to you or not.

 

It's probably going to be many months before we're able to do this.

 

 

 

I'm not holding out much hope of getting anything refunded :|

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 months later...

Another letter from FOS today, again they mention the Plevin v Paragon Personal Finance Supreme Court Ruling and how some PPI cases will be affected by this ruling.

They say the FCA have published two consultation papers which include their proposals for some new rules and guidance for businesses to follow.

 

In brief the FCA have said businesses 'might' have to give 'some' consumers a part refund.

 

Nothing will happen before March 2017 and the FOS have over 100,000 punters looking for a refund, so it could take a tad longer to sort them all out.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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