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Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Payment Protection Insurance (PPI)

Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process.


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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Old 4th April 2007, 11:00   #1 (permalink)
Maggiebroom
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Default NatWest Credit Card PPI

Hi All

Can anyone advise me on how to claim back PPI on my credit card? I have been retired since 2003 and have just discovered that I have been paying PPI on my credit card for all that time. When I queried it with Nat West they agreed that I shouldn't have been paying as I was unemployed and the PPI was invalid. They agreed to hand back three months worth of this insurance, but I want to know if I can claim it all back from when I retired. I have no idea if it was missold to me or not. I only remember paying PPI for as long as I have had the Card. if I can claim this back it would probably clear off the card (or nearly).
Everyone gives advice on claiming back PPI on loans but I have no idea how to go about claiming for this credit card.

They did send me a copy of the terms and conditions highlighted where it states that if you are unemployed the PPi is invalid, but if they knew that why did they allow me to carry on paying it. Surely my birthdate should have told them this.

I was paying £40 a month sometimes, so it amounts to a tidy sum. I need to know on what basis I would claim it all back, and what would be my argument, bearing in mind that I cannot remember signing an agreement or whatever.

Grateful for any advice

maggiebroom
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Old 4th April 2007, 11:06   #2 (permalink)
Maggiebroom
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Default Re: NatWest Credit Card PPI

OOps

Just realised I have already started this thread yesterday. Could one of the mods merge them for me with apologies . Put it down to getting older and losing marbles with all whats going on

maggiebroom
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Old 10th April 2007, 12:34   #3 (permalink)
Maggiebroom
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Default Re: NatWest Credit Card PPI

Still need answers to the above query.(see post1#)

Can Anyone help??

Last edited by Maggiebroom; 10th April 2007 at 12:34. Reason: left something out.
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Old 10th April 2007, 12:36   #4 (permalink)
Maggiebroom
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Default Re: NatWest Credit Card PPI

Still need answers to the above query. See post1#

Can Anyone help??
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Old 10th April 2007, 12:57   #5 (permalink)
dx100uk
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Watch out, there are Claims Touts about!

Challenge your credit file?

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Default Re: NatWest Credit Card PPI

the process is the same.
do you have all the statements?
if not Subject Access Request for them.
then use vamps contractural credit card spreadsheet, enter every months ppi premium & use their stated interest rate from the statements to calc compounded int

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Old 10th April 2007, 13:58   #6 (permalink)
Maggiebroom
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Default Re: NatWest Credit Card PPI

Thanks for that

I have today done the Subject Access Request request, so hopefully I am on the way.
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Old 10th April 2007, 17:00   #7 (permalink)
ripoffstopper
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Default Re: NatWest Credit Card PPI

Hi dx100uk.
Can you please post a link to "Vamps credit card calculator"
Thanks
ROS
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Old 10th April 2007, 21:16   #8 (permalink)
dx100uk
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Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 1,525
dx100uk Novitiatedx100uk Novitiate
Default Re: NatWest Credit Card PPI

try here:
VAMPIRESS'S CHAMBER
no 13 should sort you.
you will need to create a google id but thats easy just follow the links.
to use the spreadsheet, file/copy spreadsheet, rename it, and away you go.
just change the interst figure for whatever is the yearly rate calculated from te staement figure which is monthly, so *12 it then enter that figure

if you want more help just ask

dx100uk
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Old 20th April 2007, 10:30   #9 (permalink)
Maggiebroom
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Default Re: NatWest Credit Card PPI

Just an update.

I am now waiting for a reply from Nat West regarding my Subject Access Request, so that should be happening soon.
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