PPI

[webjunkie]

Can anyone help me with this? I successfully made a claim with Halifax about 18 months ago. They made things very easy and it was all very straightforward. I also asked Capital One to consider my claim on my credit card but they were not quite so helpful. They sent me back my original application with my signature crossed out and then signed again and refused to pay anything. Obviously I was confused but it was about 15 years ago so I can't really remember what was going on. Is it worth another go and on what grounds? Advice from anybody with some experience of dealing with the tougher banks would be gratefully received!

A PPI complaint is usually successful if you can prove that it was mis-sold to you in the first place. Most credit cards PPI was taken out by the applicant ticking a box on the application form, there was no adviser telling you that you needed it / had to have it. Is there a box for PPI on the application form that they sent you and if so, is it ticked? If it is, that is possibly why it was rejected as you choose to opt for PPI, it wasn't sold to you.

Can I claim on life insurance that I 'had' to take out to qualify for my mortgage? The broker (linked to the estate agents) was very insistent that I took this out otherwise I wouldn't qualify for the mortgage. Who do I claim from? The mortgage company or the insurance company or both?

Sorry to hijack the thread.

I think in your case, you wouldn't be able to claim for the credit card as you chose to take it out.