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Capital one Credit Card PPI claim


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Yep

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 by joox
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ok can you please post up to ONE PDF ONLY

the original rejection letter please

and their evidence

read upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 by joox
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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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?

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Comms log not statement

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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!!

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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....

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

what date was the ppi activation  phone call

you blanked it out on your other pdf.

we need the log around that period.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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 ?

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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

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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