Stuck on PPI Credit Card Problem!

[Mooky]

Hi there
I am currently attempting to settle a dispute with Lloyds TSB over my credit card - basically, £12 charges, crazy interest and PPI has taken me £350 over my limit, even though I have made £200 total donations when I could. It started when I was a student, unable to make a payment, snowballed as I tried to find work over the summer.
So much of the 'arrears' are made of PPI payments, however they are in no way 'protecting' me if they are pushing me further into debt.
After Data Protection Act threats, I now have some of my statements, so can add up how much the PPI has been over the period, but for my next letter (most prob. an LBA) I need to be sure of the legalities (or lack thereof) behind them applying PPI charges on top of other charges, to an account which has been in difficulty for ages.
Oh, and last month they cancelled my PPI (don’t know what effect this might have on my claim…)
Any help would really be appreciated!

[dx100uk]

you have two issues here:
1 charges reclaim
2. are you saying the PPI was mis-sold?
treat them as separate issues.

if the ppi was not mis-sold, then what they have done is quite typical and as such. ok
you must invoke a claim for the PPI to help you.[it is insurance]

dx100uk

[Mooky]

Hi, thanks for the reply!

I dont think the PPI was mis-sold, and I remember clicking 'yes' on the online banking system when asked if i wanted it renewed (however I think I was unemployed at the time).

By saying adding the PPI to my already-over-the-limit balence is normal and ok, does that mean i have no grounds to contest it? I do feel 'Payment Protection' implies I will be protected from the charges, default etc i have incurred whilst unable to make payments, and since it has in fact made it worse, then is that being mis-sold? Is the PPI falsely advertised?

Sorry if im waffling, I cant seem to find a case similar on the forum!

Really, though, thankyou for your help and interest

[kippy2]

with PPI one of the conditions of having it you must be in full time employment and clearly you werent as you were a student so it was missold. i have today got all my PPI charges, with contractural interest and 8%! read redinets guidance notes on PPI

you need to do 2 claims one for the charges and one for the ppi

[hellhasnofury]

Originally Posted by Mooky

Hi, thanks for the reply!

I dont think the PPI was mis-sold, and I remember clicking 'yes' on the online banking system when asked if i wanted it renewed (however I think I was unemployed at the time).

By saying adding the PPI to my already-over-the-limit balence is normal and ok, does that mean i have no grounds to contest it? I do feel 'Payment Protection' implies I will be protected from the charges, default etc i have incurred whilst unable to make payments, and since it has in fact made it worse, then is that being mis-sold? Is the PPI falsely advertised?

Sorry if im waffling, I cant seem to find a case similar on the forum!

Really, though, thankyou for your help and interest

Hello Mooky,

You were mis-sold this ppi as you obviously didn't know what is was and you were a student, so you would never have been able to claim with it.

Obviously you thought it was to stop them taking late charge payment etc. but it is not about that. Even when you clicked the box you still did not know what it was about. so they didn't explain it properly

Read reidnets sticky PPI - Some Notes for Claimants for assistance

and take the other advise that you have been given.

Claim back the charges and then go for the ppi.

Good luck

Everybody on the site is here to help, just ask

[Mooky]

Thanks HellHasNoFury and Kimmy01!

Will be outlining these 2 claims in my next letter.

There has been a development in my case though - on my latest statement it says my accounts been passed on to a DCA - MBA or something. From reading around, i think this is illigal as the amount of the debt has been in dispute - my letters started in Jan. Is this correct? Can i write to both partys telling them this is illigal, and that i forbid them to process my data?

Many thanks!!!

[hellhasnofury]

Originally Posted by Mooky

Thanks HellHasNoFury and Kimmy01!

Will be outlining these 2 claims in my next letter.

There has been a development in my case though - on my latest statement it says my accounts been passed on to a DCA - MBA or something. From reading around, i think this is illigal as the amount of the debt has been in dispute - my letters started in Jan. Is this correct? Can i write to both partys telling them this is illigal, and that i forbid them to process my data?

Many thanks!!!

Hello,

It is my experience that in these companies, one department does not know what is happening in another. ie left hand doesn't know what the right hand is doing . I would write to them informing that the account is in dispute and you wish to deal with one named person only.

Problem is, nobody will communicate with the other