Capital One PPI Claim Rejection

shillie_78

I have made a complaint to Capital One regarding a mis-sold PPI claim dating back to 2000. I have no recollection of PPI being sold to me. I have received "final" response to my complaint today stating that PPI was not mis-sold to me on the basis that I agreed to it over the telephone when I activated the card and was given all of the information required to make an informed decision and a 30 day cooling off period. They also sent me a copy of the original application for the card which clearly shows that I have ticked no in the payment protection policy section. I am unsure where to go from here as there is no proof that I haven't agreed to the policy over the telephone. Please help.

dunstonh

I have no recollection of PPI being sold to me.

At least you are honest about it. Hopefully your complaint reasons reflected that (if not, and you gave reasons they can prove are not true, then that works against you).

stating that PPI was not mis-sold to me on the basis that I agreed to it over the telephone when I activated the card and was given all of the information required to make an informed decision and a 30 day cooling off period.

Which is how must of their PPI was sold. The script is largely accepted by the FOS which is why the FOS appear to reject most Cap One complaints.

They also sent me a copy of the original application for the card which clearly shows that I have ticked no in the payment protection policy section.

Strange they showed you that. Although maybe you said something about the application in your complaint.

I am unsure where to go from here as there is no proof that I haven't agreed to the policy over the telephone. Please help.

You havent told us what your reasons for complaint were. So, its difficult for us to comment. So, what are they?