Capital one Credit Card PPI claim

[joox]

can i send you a pm on the letter i want to send them ?

 to get your thoughts ?

[dx100uk]

pm advice is not allowed

helps no-one bar you

which is not what cag is about.

 

[joox]

this is the letter i will use:

 

 

You refused my ppi reclaim because you mentioned that I agreed and purchased the PPI  on a phone conversation with Capital One on 13th October 2003. It seems the PPI was already activated with the little sticker on the back without my knowledge. 

 

I have gone through the SAR but unable to locate any of this information as you claim. Please kindly outline where is the data that confirms I did agreed to this? I am looking to locate records of when the card was activated and when was the PPI activated

 

 

[dx100uk]

October?

 

you refused my ppi reclaim because you said I agreed to it when I phone YOU on 13th nov 2003 to activate the card. 

when in all truth the card was already activated but the little sticker was to get conned into PPI.

 

 

[joox]

yes October my mistake and i forgot to edit. 

[dx100uk]

ill knock something up later

 

dx

 

[joox]

Great, thank you.

Edited July 8, 2019 by joox

[dx100uk]

opps knew there was something i missed....

 

[joox]

On 08/07/2019 at 12:34, dx100uk said:

opps knew there was something i missed....

 

LOL Hopefully you have time to contribute soon.

 

Thanks 

[joox]

I meant 

18 hours ago, joox said:

LOL Hopefully you have time to contribute soon.

 

Thanks 

Sorry I meant when ever you have the time. Appreciate all your help.

 

[dx100uk]

Hey wouldn't matter if you did

most certainly would never stop me helping anyone

I want to carefully go through that org reply ...play them at their own game.

sri heads not upto it right now.

 

dx

 

[dx100uk]

on the PDF of the org rejection letter you've masked the date they quote

what is that please?

 

[joox]

12 hours ago, dx100uk said:

on the PDF of the org rejection letter you've masked the date they quote

what is that please?

 

 

The PPI was sold over the phone on the 13 October 2003 ?

[dx100uk]

sorry I already asked that but wanted to be sure .

 

[dx100uk]

looking at the comms log sheet.

 

it reads to me that PPI must have been activated before the card was even approved!!

 

13/10/2003 [the supposed date of the phone call]

Decision is REFER

20/10/2003 application pending.

 

2003/11/11 decision is accept.

 

sorry but how can someone sign you up to PPI when the credit card the PPI will protect is not even approved

 

they have LIED that the phonecall 13/10/2003 was to activate the card, it WASNT, the card application was not accepted until 1 month later 11/11/2003

 

which tallies with no PPI charges till

17/12/2003    PPI                        £0.85   
the 1st bill after activation

 

[joox]

Good observation. Will it be a good idea to go back to them about this or just complain direct  FO ?

[dx100uk]

as long as that makes sense

twill be a reply to their last letter

 

[joox]

So what would be the best way to word this ?

[dx100uk]

tardis time..

in post one you say:

 

The original card application was completed on the phone

 

by 'completed' do you mean she originally applied for the card by [please state the method]

she got the card it had the below sticker on it. so she rang the number [show her the sticker]

 

The method of how she applied for the card is my interest here.

 

were there two phone calls??

one when she asked for the card

one where she got the card in the post but had to phone to activate it [white sticker]

 

the above info will further my thoughts on an in for the kill letter 

or a dangler letter to see if they want to trip themselves up.

 

 

 

 

 

 

 

white activation sticker.pdf

[joox]

The card application date is unknown and have to double check as the earliest date on the SAR is 13/10/2003

She does not remember how the initial application was filled out  or made. Should this be on the SAR?

 

From their letter, The PPI was sold over the phone on the  13/10/2003   " when we were contacted to activate the card "  so the application date is not clear here.

[joox]

Just called Capital One and she was told the account was opened on the 24/11/2003 that's the date on their system.

 

Also, initially thought the application was made online back in 2003 not sure we had access to online applications back then but it seems it was done over the phone.

Not very clear on details from their side. 

 

On the logs, it states it was accepted on the 11/11/2003 and the application starting date is the 13/10/2003.

 

The customer service person said there seems to a discrepancy with the dates regarding PPI and has provided an address to write to find out why the dates differ !!! 

[dx100uk]

ye see scratch the surface …..

 

was the call recorded par chance?

 

to get a card in the post with that white sticker on means it was already applied for and the application was accepted.

so whats the truth here.

 

they cant activate/charge PPI if there was no active card , hence the 1st dec bill

so PPI was mis-sold IMHO and you should be getting the premiums back NOT a plevin refund.

 

whats this address?

 

[joox]

Im sure the call was recorded !

She was give the Capital One Relation Complaints 

PPI Capital One

Nottingham

NG2 3HX 

May be they got the activation date wrong 

[dx100uk]

I meant recorded by you not them....

 

dear sir/madam.

 

I write to you concerning a PPI reclaiming matter and have been advised today by your phone   .

 

This comes under two ref numbers

ref xxx dated xxxx, a refused claim referring to an earlier final response with ref to below, resulting in an offer of a plevin refund.

ref xxx dated xxx, mt initial claim which was refused.

 

Following a Subject Access Request it has come to my attention that the original refusal was based upon information that Capital One does not hold and was thus made in error.

 

Having applied for a credit card, i successfully received one in the post slightly prior to 13/10/2003 with the relevant documentation.

Upon the card was a white sticker that gave a number to ring to activate. On 13/10/2003 I rang the number to do so.

It apparently appears at this point I was also signed up to PPI, however i do not ever remember this being so.

 

Having closely studied the contents of the SAR it appears:

 

looking at the comms log sheet.

 

13/10/2003 Decision is REFER

20/10/2003 application pending.

2003/11/11 decision is accept.

 

which tallies with no PPI charges till

17/12/2003     PPI                        £0.85   
the 1st statement after activation

 

sorry but how can someone sign me up to PPI when the credit card the PPI will protect is not even approved??

 

I require all PPI refunded as per my enclosed spreadsheet and FOS customer questionnaire .

[joox]

Thank you will send off today.

I have a feeling they have made a mistake on the PPI activation date on their letter.