Capital One PPI Reclaiming

hummy

Hi There,

I decided to have a go at trying to reclaim missold PPI from Capital One on behalf of my mum having had success with Halifax on my own card.

So i popped the standard letter 1st to them saying that it was missold and got a reply back today where they say the following:

"We sold the PPI to you when you requested it on your application form. We ensure that our marketing material is clear, fair and not misleading. PPI is optional and this is made clear to you within our marketing material.

You recieved a 30 day cooling off period in which you could cancel the policy free of charge. You can cancel your PPI policy at any time by calling the number at the toip of this letter.

As we have sold you the ppi correctly and in accordance with your request we will not be refunding any of the premiums charged to date."

It then says we have 4 weeks to respond if no response is received then they will consider that we are happy.

Obviously i'm not happy (neither is mum) and no other supporting documentation has been invcluded with the letter such as a copy of the agreement.

What is the best course of action and way to proceed to get a successful refund on this.

Kind Regards

normanmark

Well the next logical step would be to ask for copies of the credit agreement surely?

hummy

is there a standard letter for doing that?
And is the charge £1 for data access request or £10.

From some posts it seems to suggest it's £1 and others are saying £10.

Thanks