Payment Break Plan Skycard

[yvonne69]

Hi,

After recently hearing about mis sold PPI's, I thought that i would check my credit cards. On my skycard there was a "payment break plan" which I had never noticed before. I immediately rang Skycard to ask what it was and also to cancel it. It seems it is not a PPI, but where you can take a break from payments for a period of time, if in difficulties. Seems to me that this is the same as a PPI.

I have since wrote to skycard to request a full refund, as it has never been explained to me and i would never use it anyway, as my employer pays full pay when off sick and I have long term illness covered in my life insurance policy.

Anyway, they have replied to me today, stating that firstly, it is not a PPI and secondly, it has been on the account since day one and i would have "obviously" been told what it was when i activated my card.

My other point with them is that a few months ago, I wrote to them to see if they would freeze interest and lower my payments for 6 months, whilst I got my finances back on track, this they did.

Now had i known that this plan was on my account, surely I would have requested to claim on this, and also, why did no one at Skycard then advise me that this "payment break plan" was an option.

Could someone with more knowledge please let me know if I have a case here for claiming back the already paid amounts?


Thanks in advance
Yvonne

[hellhasnofury]

Originally Posted by yvonne69

Hi,

After recently hearing about mis sold PPI's, I thought that i would check my credit cards. On my skycard there was a "payment break plan" which I had never noticed before. I immediately rang Skycard to ask what it was and also to cancel it. It seems it is not a PPI, but where you can take a break from payments for a period of time, if in difficulties. Seems to me that this is the same as a PPI.

I have since wrote to skycard to request a full refund, as it has never been explained to me and i would never use it anyway, as my employer pays full pay when off sick and I have long term illness covered in my life insurance policy.

Anyway, they have replied to me today, stating that firstly, it is not a PPI and secondly, it has been on the account since day one and i would have "obviously" been told what it was when i activated my card.

My other point with them is that a few months ago, I wrote to them to see if they would freeze interest and lower my payments for 6 months, whilst I got my finances back on track, this they did.

Now had i known that this plan was on my account, surely I would have requested to claim on this, and also, why did no one at Skycard then advise me that this "payment break plan" was an option.

Could someone with more knowledge please let me know if I have a case here for claiming back the already paid amounts?


Thanks in advance
Yvonne

Hello Yvonne,

How did they explain this payment break plan to you and how does it work. I you rang them to ask them to reduce the payments when you were struggling, if you had that on your account, surely they would have suggested that you use this pbp

and also they did a very good job of selling it to you because you didn't you could use it either

[Hopeful1]

In the 1st instance i would send a CCA request to get a copy of your credit agreement and see if that shows the terms and conditions of your account.

Creditors and DCAs - Letter Templates & Budget Planner

You'd need letter N if you decide to take this route. Enclose a £1 postal order and post recorded or special delivery. Keep hold of all receipts in case you need evidence of postage at a later date.

If you don't get the info you need, you could send a subject access request to gain all the info they hold about you.

[Hopeful1]

Originally Posted by hellhasnofury

Hello Yvonne,

How did they explain this payment break plan to you and how does it work. I you rang them to ask them to reduce the payments when you were struggling, if you had that on your account, surely they would have suggested that you use this pbp

and also they did a very good job of selling it to you because you didn't you could use it either

That crossed my mind too!!

[hellhasnofury]

Originally Posted by Hopeful1

That crossed my mind too!!

great minds think alike

[yvonne69]

Hi,

Thanks for all your replies.

I have already CCA'd them and received my agreement, but there is absolutely nothing relating to this on there.

I did mention this in my letter to them requesting re-imbursement and was told then it would have been mentioned to me when i rang to activate my card. I definitely would not have agreed to it, as stated before, I would not need to use it.

The letter they have sent me is basically a bog off letter, but i don't intend to leave it at that. Any ideas of what i can respond to them?


Thanks
Yvonne

[hellhasnofury]

Originally Posted by yvonne69

Hi,

Thanks for all your replies.

I have already CCA'd them and received my agreement, but there is absolutely nothing relating to this on there.

I did mention this in my letter to them requesting re-imbursement and was told then it would have been mentioned to me when i rang to activate my card. I definitely would not have agreed to it, as stated before, I would not need to use it.

The letter they have sent me is basically a bog off letter, but i don't intend to leave it at that. Any ideas of what i can respond to them?


Thanks
Yvonne

Hello Yvonne,

If there is nothing on your credit agreement, they must provide you with evidence that you agreed to it, The onus is one them to prove it was not applied without your agreement.

Write back to them stating this and tell them that if they do not return these mis-applied payments to you, you will consider taking action against them, your opinions are either the FOS or court. Tell them that you are reporting them to the Office of Fair Trading and Trading Standards

[yvonne69]

Thank you HHNF,

I will send them a letter today and let you know how i get on.


Cheers

yvonne