Capitol one PPI claim, the fob off

MXI

taff - that answer made a lot of sense.

I admit to being riled at Capitol One. I still may try another route and see one of these PPI claim companies as a tool for a purpose.

If all else fails I can just close the account and walk off.

Cheers

-taff

the PPI companies can do nothing for you. Firstly, you've already complained, and another complaint cannot be made. Secondly, your chances of success with a claims company are lower than without.

sava05

He he, Mckneff.

Insider101

MXI wrote: »

taff - that answer made a lot of sense.

I admit to being riled at Capitol One. I still may try another route and see one of these PPI claim companies as a tool for a purpose.

If all else fails I can just close the account and walk off.

Cheers

You will get precisely nowhere with any of those companies. All they will do is send a standard letter of complaint in to be told you've already complained and can't do so again. All the time making your complaint look desperate and ridiculous. Dunstonh may be blunt and to the point but he is correct on this point.

Your next step is to either write back stating why you don't agree with their decision or go to FOS. But Capital One don't have a high uphold rate there either. One of the issues with Cap One is that they were find by the FSA for PPI sales failures in 2005. So they had to proactively remediate those who had demonstrably been Mis-sold beforehand and afterwards they has to significantly tighten up their sales procedures. Hence it's hard to make a complaint stick against them.

You haven't really said what was in the bundle you were sent. But people can and do take insurance over the phone or the Internet. Once it was the norm to require a signature nowadays it's increasingly the exception.

As has been said before, if you mentioned it with a few months of the policy commencing then it sounds convincing. The longer you leave it the less convincing it looks.

Also the letter you received to show the "status" of the policy would have been an annual review letter which had only just become a requirement. The main reason is because a review found that many people were taking it out perfectly willingly but then forgetting to cancel it when it became unsuitable for them (I.e if they moved abroad or stopped working). It wouldn't have any bearing on a complaint about the initial sale of the policy.

McKneff

sava05 wrote: »

He he, Mckneff.

No, it is she she, and McKneff has a capital K in it.

Grow up, sonny, you can tell it's Friday night, school is out for the weekend.

ha ha,

[Deleted User]

-taff wrote: »

The PPI would have been on every statement with an outstanding balance, so even if you didn't get paper statements, it would have been on your online account plain to see..

Exactly as I said in post # 2 of this thread, the fact that the OP obviously didn't check statements (paper or otherwise) is not a valid reason for complaint.

MXI wrote: »

I have a case.

Nothing you have so far said indicates that to be true.

brown1950

MXI wrote: »

dunstonh - I confess I dont like your attitude, I cant see any evidence of ranting and your attitude towards me is somewhat arrogant.

I came to this forum merely to see if I had a case, I am not an expert so I dont know. The other two posters at least were helpful.

My theory was this, I have no evidence of taking it out, I suddenly start getting statements, I respond and get a whole bundle of information telling me why I cannot claim back. It appears or appeared to me that I may have a case.

I dont just turn over and accept what they see, I feel I have a point. I have little evidence and so to me that is part of the case, where is the agreement. If I take out car insurance its done on the phone then a policy is mailed or sent to me. Surely anyone can see that here is a policy with no paperwork except for the ones recently received. Most insurance I know requires a signature.

Even this website states you need to send three letters. So do excuse me if I dont roll over and die.

if I dont have a case then I can live with that, but I am now suitably motivated to try my hand further.

I came to this forum merely to see if I had a case, I am not an expert so I dont know. The other two posters at least were helpful. No chance mate with the biased views here - most are pro bankers ! And getting paid for their biased views. Now i can predict at least three particular posters responding.

Partridge89

brown1950 wrote: »

I came to this forum merely to see if I had a case, I am not an expert so I dont know. The other two posters at least were helpful. No chance mate with the biased views here - most are pro bankers ! And getting paid for their biased views. Now i can predict at least three particular posters responding.

Is there such a thing as a non-pro banker? In any event, I don't think any of the three people I'd imagine you're referring to could be described as bankers (though they clearly work in the financial services industry), nor are they being paid (I say this with as close to 100% certainty as I can get without knowing those posters personally)

You may not like the way it's being said, OP may not like the way it's being said, but the onus is on the complainant to provide strong complaint points and evidence any direct accusation towards the company they're complaining to.

So far they have outlined a weak complaint, however as already stated if OP feels they have a case, they should refer their complaint to FOS but (based on what's been posted so far) they should expect a long wait, followed ultimately by disappointment.

max555

brown1950 wrote: »

I came to this forum merely to see if I had a case, I am not an expert so I dont know. The other two posters at least were helpful. No chance mate with the biased views here - most are pro bankers ! And getting paid for their biased views. Now i can predict at least three particular posters responding.

To be fair, it probably does get pretty annoying to read the same cut and pasted PPI complaints from people who have no way of backing any of them up and who get irate when challenged. The sense of entitlement displayed by many posters does tend to grate as well. What dunstonh writes is largely correct in theory, in practice a lot of very weak complaints have succeeded and will continue to succeed for reasons that the complainant will never be made aware of.