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For security purposes, I cannot give out anymore information about my job, I have said that if somebody would like to know anything more about this program they will have to call Capital One...

I am not at liberty to discuss my job position. I am just trying to relay to you what information I know that might answer your question.

I don't think that the policy would change from country unless it is a program set up by the government and I'm not certain if it is. I don't have a link but my job entitles that I know these...

And if you miss two payments in 3 years you're kicked out of the program. Really you cannot miss a payment.

Im afraid you're a little wrong on some points. The canadian hardship program at capital one are only for people who are ALREADY behind in their payments. Once they behind a certain amount of months...