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PPI complaints

If you're worried about the way that PPI was sold to you by Capital One then you only have until 29th August 2019 to make a complaint.

Don't miss the deadline

If you're not sure whether you bought a PPI policy from us, you can find out by using our PPI Checker. If it shows that you did, then you'll have until 29th August 2019 to make a complaint.

Make sure you do a PPI check no later than 8 weeks before the deadline. You'll still be able to make your complaint up until 29th August 2019, but we can't consider any we receive after that date.

Capital One has sold PPI under the following three brand names. If you bought PPI from any of these companies and you're not happy about how it was sold, you can send us a complaint.

  • Capital One
    Including Capital One (Europe) Plc and Capital One Bank (Europe) Plc.

  • Capital One Homeowner Loans Limited

  • HFS Group Limited
    Including Homeowners Financial Services, Myfinance and Myloan.

What is PPI?

PPI is Payment Protection Insurance. PPI is an insurance product that may protect your repayments of loans, mortgages, overdrafts, credit cards and store cards in the event that you can't make the payments yourself.

Complaints about PPI

You may make a complaint about the way PPI was sold to you in order to claim your money back. You may also be able to make a complaint if a high level of commission was included in the price you paid for PPI. The FCA has set a deadline of 29th August 2019 to complain about PPI. We must receive your complaint by that date, otherwise your complaint will not be considered.

You can find out more helpful information about PPI and making a complaint at FCA opens in a new tab , Which? opens in a new tab and Money Saving Expert opens in a new tab .

Claiming the whole refund and not just a slice

If you want to make a complaint about PPI, it's better to contact us directly instead of using a claims company.

If you are due a refund, we will give the whole amount to you. If you use a claims company, they will take a portion of your refund in the form of a fee.

Here's what happens if your complaint is successful and you receive a refund of £500.

A claims company may charge you 25% of your refund in fees. Capital One will not charge you anything.

The fees mean you only get around £375 instead of the £500 that you would get from complaining directly to us.

Just to reassure you

When you make a complaint directly to us, this will not have a detrimental impact on our relationship with you nor will it impact your credit score.

We want to make sure this is as easy as possible so if you have any questions call us on 0800 422 0478 (8am - 8pm Monday to Friday and 8am - 3pm Saturday). Calls may be recorded/monitored for training purposes.

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