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Hi everyone,


I wonder can anyone offer me any advice?


I took out a credit card with Capital one back in 2007 and ticked no for the PPI.


I was subsequently 'sold' the insurance much later when activating a new card


- I did not need the insurance and I was given the hard sell and persuaded to take it out.


I cancelled it some time later and have trie d to reclaim.


Got the standard response from Capital One in 2015 so went to the Ombudsman in early 2016 who have only now looked at my case.


They have said that Capital One have destroyed the records of the phone call and given this, they have no reason to believe that the PPI was mi-sold!!!


I was astounded by this,

how can they destroy evidence on something that they knew could potentially be taken to the FOS?


And why does this mean that the FOS has to abide by Capital One's decision?


It just doesn't seem very fair or ethical.


Does anyone have any advice?



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