Newbie question! - Capital One claim, their form?

molokoid

Hi all, sorry in advance for this newbie question. Having just moved house and come across some paperwork of my wifes from 10 years ago, it shows that she paid PPI with both Capital One and loans.co.uk

I've read through the step by step guide, but having gone to Capital One's website they have a form to fill in, which asks for all sorts of questions about employment status, position, pay etc at the time of taking the PPI out. Aside from my wife having no idea when she took it out (which is kind of the whole point of the miss sell surely?!), is it necessary to answer these questions? Or should i not be using their form and doing it another way?

Thanks in advance.

Nearlyold

The Capital One form will be very similar to the FOS form as they are designed to gather the information required to establish whether PPI was suitable. Just fill it in to the best of your wife's knowledge, if she doesn't know the answer to any of the questions just say so & don't make stuff up.

Your wife not being able to remember when/if she knowingly took out PPI is not really much of a miss sale reason, PPI complaints are far more likely to be upheld on suitability issues. Capital One could possibly tell you when PPI commenced if she gives them a call.

dunstonh

I've read through the step by step guide, but having gone to Capital One's website they have a form to fill in, which asks for all sorts of questions about employment status, position, pay etc at the time of taking the PPI out.

Their form will be a similar version to the FOS form. Most providers have their own branded version.

Aside from my wife having no idea when she took it out (which is kind of the whole point of the miss sell surely?!),

Amnesia is not a reason for mis-sale.

is it necessary to answer these questions?

No. However, it will restrict your chance of success.

molokoid

dunstonh wrote: »

Amnesia is not a reason for mis-sale.

I never stated that she suffered from a medical condition, but thank you for your diagnosis doctor.

molokoid

Nearlyold wrote: »

The Capital One form will be very similar to the FOS form as they are designed to gather the information required to establish whether PPI was suitable. Just fill it in to the best of your wife's knowledge, if she doesn't know the answer to any of the questions just say so & don't make stuff up.

Your wife not being able to remember when/if she knowingly took out PPI is not really much of a miss sale reason, PPI complaints are far more likely to be upheld on suitability issues. Capital One could possibly tell you when PPI commenced if she gives them a call.

Thanks. I think the reason i asked the question is because the Capital One form seemed to be relatively intrusive and maybe i was being overly skeptical in thinking that they were looking for myself (or rather than the wife) to provide them enough insight to build a case to justify the sale of PPI. Either way, i opted to submit the form via the ombudsman, as seems to be (although it wast entirely clear) the recommendation on the MSE step by step guide.

I've another focus now which is a loans.co.uk loan whereby circa £3k was added to a £8k loan for PPI. A ludicrously uncommercial arrangement, albeit I suspect if they followed due process in arranging it, it's still totally valid.

Cheers

dunstonh

molokoid wrote: »

I never stated that she suffered from a medical condition, but thank you for your diagnosis doctor.

It was you that was indicating that loss of memory was a reason for mis-sale.