Chasing Cap 1 for PPI compensation

[Big TJ]

We have been chasing Capital One since March 2012 trying to get PPI money back but to date no success.

 

Because of my ill health and poor postal service in my area,

even the FOS has decided not to help us

 

Everything was down to time limits and when I got ill, all timings got put aside.

 

Now, Neither Cap One or FOS want to help.

 

Cap One have been charging us PPI since 2002.

 

Has anyone got any good ideas or should I just forget the whole thing

[filrobbo]

Have you had any corraspondance from cap1

[Big TJ]

Yes filrobbo,

 

 

the last letter we got was dated 16 March 2012.

 

 

The letter states " Following a complete investigation into your complaint we are confident that the policy was sold appropriately.

 

 

During your internet application you clearly indicated that you wanted to purchase the policy

and from the information you provided, you were eligible to do so".

 

 

It then goes on

 

 

As this is the case I will not be looking to refund any of the premiums or associated interest charged to your account".

 

 

It then tells us to contact the FOS within 6 months from the date of this letter.

 

 

Because of ill health I could not do anything until August 2013.

 

 

The FOS decided that we had no case and therefore they were closing the file.

 

 

I did call the FOS and ask if they would reconsider but to no avail.

[dx100uk]

so you missed the 6mts FOS window from cap1's 'final response?'

 

 

I think cap1 just like EGG had a website that either didn't let you progress

or had the PPI box pre ticked

before it let you progress.

 

 

dx

[Big TJ]

Hi dx100uk, thank you for your comments. Is there anyway of finding out if Cap1 did have pre ticked boxes or would not let us progress if PPI box wasn't ticked?

[dx100uk]

only by looking at other cap1 claims here

 

 

the trouble is

for 2001 there was no-one to enforce the rules

so that prob what the FOS are going on about

or would

even if you were within 6mts of the Cap1 'final response' letter

 

 

you did get a letter from cap1 stating it was their final response?

 

 

dx

[Big TJ]

Greetings dx,

 

 

yes I did get a final response in March 2012 from Cap 1,

 

 

because of ill health, I didn't get hold of the FOS until August 2013.

 

 

I realise that it was well over the 6 months

there was little I could do.

 

 

FOS made a half hearted attempt to do something

 

 

Cap 1 objected to FOS looking at our complaint.

 

 

This was because they (Cap1) said that the complaint was referred to the FOS too late.

 

 

FOS said that they could occasionally look into complaints made out of time

- but only if there are exceptional circumstances that caused the delay!

 

 

What more can I say?

[dx100uk]

I would expect ill health, if you can prove this

 

 

say by appointment , operations etc etc

that the FOS will help you

 

 

its not too great a hurdle to overcome.

 

 

the issue here is its from 2001.

 

 

it might be better to ring the FOS

and ask them the question...

 

 

if my claim were to be accepted, what real prospect is there of you actually helping me

as the policy was sold in 2001

which is well before your birth in 2005

[Big TJ]

My wife has been trying to get Capital One repay all the PPI that she is owed over the past 6+ years but they refuse .

 

 

We have gone to the financial ombudsman who were as much use as a chocolate fireguard,

 

 

and we even went to somebody who said they could get the PPI refunded even though we had tried ourselves, but to no avail.

 

 

I am beginning to think that the only way to get this sorted is to go to court.

 

Has anyone got any ideas

[SabreSheep]

Hi there

 

I will move your thread to a PPI forum so people will be able to help you easier

 

This is an administrative action on my part, you do not need ot do anything.

[dx100uk]

old and new threads merged.

 

 

have you got copies of all the statements and the online agreement

whereby they say she ticked the box?

 

 

dx

[maroondevo52]

 

I am beginning to think that the only way to get this sorted is to go to court.

 

 

I've a feeling that might be your only shot at it, what sort of amount of re-claim are you talking about.