Capital one Credit Card PPI claim

[joox]

Just an update !

i sent off the letter on the 1 August but no news from Capital One. What should i do ?send the letter to FO as well?

[dx100uk]

they have 8 weeks 

 

dx

[joox]

what about the deadline ?

[dx100uk]

What about it ..youve complained its registered you met the deadline

[joox]

Just checking to see if we can still complain to the FO once the deadline has passed. 

[dx100uk]

Why not?

[joox]

4 hours ago, dx100uk said:

Why not?

So its registered before the deadline

[dx100uk]

that deadline is nothing to do with the FOS where'd you read that??

[joox]

Made a follow up call today and was told they have already made their final decision on the PPI and we can escalate the matter further by complaining to the FO !!!!

[joox]

On 20/08/2019 at 00:27, dx100uk said:

they have 8 weeks 

 

dx

Just an update. Still have not heard anything back from Capital One!

[dx100uk]

sorry must of missed your 28th post ..

bundle it all up, p'haps on a cheap penstick

attach that to a copy of your fos cq and sent it off.

[joox]

We actually made a last minute complaint to FO on the deadline just in case. haven't heard from either !

 

[joox]

Update= Since our last letter dated 30 July, Followed by a call on the 28 Aug chasing updates from them. We heard nothing until today. Their letter states the following:

 

"We have been unable to complete our investigations within the original  time frames stated on the acknowledgment dated 31 July due to us not having received the requested information to enable us to respond to the complaint"

 

 

And later they say since its been over 8 weeks, we can now refer to FOS but its advisable for them to complete the investigation first but we need to submit the requested info before they can do so!

 

Never received any other letter from them and not sure what information they need. They also acknowledged receiving the letter dated 31 July on the phone but no direct response in writing.

 

 

 

 

 

 

 

 

 

[dx100uk]

regardless to any comms

you are entitled .....should you wish

to goto the FOS once 8 weeks have expired.

[joox]

Already have appealed through FOS. 

I wonder what other info they require ?

 

One more thing to add.

is it possible to ask for the phone conversations made to Capital Once since the complaint started ?

[dx100uk]

Sar

[joox]

Update:

They have sent 3 letters.

1: They have made their final decision and we have to complain to the FOS

2. Requesting more info in order to investigate the case further.

3. Saying their last letter was a mistake and they have concluded their investigation and stick to their final decision back in February and will not be paying out for any PPI premiums.

 

All correspondence now going the FOS for them to investigate. 

 

 

 

Edited October 21, 2019 by joox

[joox]

Update:

Capital one have reject the claim again and is now being dealt by the FOS

 

 

 

[joox]

Update 

FOS have responded with the following:

since it has been more than 6 months since our original complaint to Capital One, they are unable to help.

We were not aware there was a time limit. also Capital took a long time trying to respond to our complaint and still have not provided clear answers.

 

What are the options now?

 

 

[dx100uk]

write back..

following the original PPI complaint to cap1 (see letter dated xxx ref xxx) on date xxxx, cap1 replied on date xxx (see letter dated xxx ref xxx) stating they refused my reclaim because of XXX (reasons) and without any further new information the complaint would be closed. I did not consider thye matter closed.

 

ON xxx date (see letter dated xxx ref xxx) I replied with further information from an SAR return querying certain matters, cap1 failed to reply, then following a chase phonecall on (date) they eventually replied stating they standby their earlier refusal.

 

it is not my fault Cap1 failed to reply within a reasonable time, perhaps purposefully knowing this now conveniently put the original claim date outside of your 6mts time limit.

 

I do not consider the 6mts limit for you to begin an investigation has thus expired.

 

please investigate my complaint as per your PPI mis-selling guidelines, particularly concentrating upon how (see letter dated xxx ref xxx) cap1 appear to be relying upon false data in their original rejection letter that i pointed out to them was faulty, but they then ignored me??

 

how can Cap1 sign me up to PPI when the credit card (application) the PPI was to protect had not even approved on that PPI sign up date??

the relevant data proving this is their own SAR return! 

 

the card application was not even approved at that point and was not approved until several weeks later.!!

 

…………...

 

do you still have a copy of all the info you sent to the FOS please?

[joox]

Yes 

Thanks will send this letter.