Capital one Credit Card PPI claim

[dx100uk]

Yep

[joox]

We heard back from Capital One and they are saying they are happy with their original decision and they think PPI was  not mis sold and happy for us to complain to FO.

 

 

 

here is their reply. 

 

 

 

 

rejection letter.pdf

Edited June 18, 2019 by joox

[dx100uk]

ok can you please post up to ONE PDF ONLY

the original rejection letter please

and their evidence

read upload

[joox]

Here you go. bit long !

Many thanks fro taking your time to help out.

 

imagetopdf.pdf

[dx100uk]

sorry been a few days

been busy.

 

the cap1 cards of that era came with a little white sticker on them and all kinds of bumph in an envelope 

inc about PPI.

 

if you look at your statements, I bet the first transaction was before she phoned up.

 

if the bumph was read carefully the card was already active and the little sticker related to activating the PPI.

because you had supposedly read the bumph you were sc@mmed into actually phoning to activate the ppi.

 

 

 

 

 

white activation sticker.pdf

[joox]

Great thanks

Will got through the statements again, but from what i remember, the first transaction was a shop purchase.

And what would be the next step ?

Edited June 24, 2019 by joox

[dx100uk]

you are trying to prove the card has been used BEFORE the PPI was activated

thus the phone call was to activate the PPI..not the card..it was already active

and they are lying in their letter

[joox]

I have checked the statements and screen print again and first use is purchase. 

 

[dx100uk]

obviously but was that 1st purchase before the date the PPI was activated?

 

[joox]

How can i prove the activation was before? 

[dx100uk]

is there a transaction before the date of the ppi phonecall they are going on about?

if they don't date the ppi activation call then how can they claim otherwise.

 

[joox]

So the PPI was purchased on the 1 Oct and first transaction on the 10 Dec, so the purchase was not dated on statements as they start as of Dec.

 

 

[dx100uk]

the 'activation' of the PPI via the call wont show as a 'purchase'

but as you say your 1st 'use' if the card was in the 30days leading upto the  December statement and the 1st charge of PPIO would have been in that statement.

 

I don't really like their letter...

particularly that they could cee that you met the criteria for PPI when you returned the application for the card

and that when you phoned then you requested the PPI was activated.

I bet that is not what happened?

 

you have the sar 

you have the comms/account  log - what notes are in there for the 1st say year?

can we see that page?

 

 

 

 

[joox]

Here is page 1 of all transactions 

IMG_6660.pdf

[dx100uk]

Comms log not statement

[joox]

as in comments ?

[dx100uk]

if they are saying it was done via a phonecall then there must be record of that in the comms log or whatever thry call it

else they are talking rubbish...as how can they prove one took place and you said im phoning to activate the ppi and you agreed to it.

 

the devil is in the detail..they cant just make things up!!

 

 

[joox]

In their letter they said they do not have the phone call record !

[dx100uk]

grr..didnt ask for the recording..

 

I asked where are they getting their data/info from that you made that call

if there is nothing in the sar return [which must be a complete record of ALL data they hold on you]

then WHAT data are they referring to prove you made the call? they've even quoted a date too

so WHERE in the sar is that specific info 

find it

its usually in the comms log or account log....

 

 

 

 

[joox]

This any good ? i cant find any other info about or notes about any phone calls. 

Cap_One_ScShot.pdf

[dx100uk]

what date was the ppi activation  phone call

you blanked it out on your other pdf.

we need the log around that period.

 

dx

[joox]

The purchase date was 13/11/2003, the black out date was their final decision date in 2019

[dx100uk]

and there is no entry for that date in the comms log

so as an sar must contain all your data

WHERE are they getting that date from???

couldn't possibly be a lie to put you off could it?

they wouldn't do that?

would they?

 

geddit yet??

[joox]

I will go through the SAR again to make sure there is no other entry for this date but as far as i know nothing else is recorded for this date.

 

So next course of action is to emphasis this issue in my complain letter to the FO ?

[dx100uk]

or ask cap1 the direct question...

you refused my ppi reclaim because you said I agreed to it when I phone YOU on 13th nov 2003 to activate the card.

when in all truth the card was already activated but the little sticker was to get conned into PPI.

 

where is the data that confirms I did this??

 

dx