PPI claim from Capital One - some advise

gavinm1

Hi,

My other half recently put a PPI claim in to Capital One for a credit card she took out in Sept 2004 via a postal application. At that time, PPI wasn't taken out.

Then in Feb 2007 PPI was added to the account in a phone call. She has always felt that PPI was a requirement on the policy but doesn't actually recall that phone call of it's content.

She recently phoned them up to start a claim on the PPI and belives she mentioned the fact that she felt it had been a requirement (but can't remember 100%)

Today we received a letter from Capital One that says as she didn't give a reason for the believed miss-selling they can just go on factual information regarding the claim (I suppose that is opposed to made up information....)

They then go on to say they find no cause for a refund as they claim it was purchased during the phone call mentioned above and this was done with non-advisory basis.

They also included the phone script (not transcript!!) for the call from 2007 and the original application.

Can we request copies of the phone call in which the PPI was added to the account and force them to investigate further? Can we request a copy of the phone call in which the claim was made to see if she really gave no reason?

Also, she had recently been awarded a refund from Lloyds TSB. They stated that because she is a Nurse she should never have been sold it in the first place. The copy of her original application shows her occupation as 'Staff Nurse'. Is this correct that in certain jobs like Nursing, PPI should not be sold?????

We would be grateful for any advise you could give on our next step.

knoxvillain

Possibly the phone all made your other half feel pressured into buying it and like she couldn't say no.

src007

gavinm1 wrote: »

Hi, Also, she had recently been awarded a refund from Lloyds TSB. They stated that because she is a Nurse she should never have been sold it in the first place. The copy of her original application shows her occupation as 'Staff Nurse'. Is this correct that in certain jobs like Nursing, PPI should not be sold?????
.

Thats not quite correct because a Nurse would still be able to use the PPI even if he / she was in receipt of employer benefits.

Capital One don't usually have the sales call in question and so it will probably be very hard to prove that they said anything wrong when the insurance was sold (if they did?). Capital One PPI polcies are better value for money than the Lloyds policies and so its harder to argue the insurance is unsuitable.

You have to have a really good reason to suggest a Capital One policy was set up 'unfairly'. Being self-employed at the time of the sale or having a pre-existing medical condition may give you a chance. Otherwise the FOS will probably reject the complaint.