Credit Card PPI

**hands2bfree** · 1st December 2008 12:36

hi, just been looking at some of the PPI icon

threads after i recievd a phone call icon

from a debt consolidator saying they could get my credit card PPI refunded, so i thought it would be worth looking on this very useful site!

I have maybe 4 credit cards, which i have had for ages, sometimes there was PPI on them and balances varied thorughout the years on them.

im not sure if i had agreed to PPI on them or not.

How can i go about reclaiming the PPI or can i even reclaim it?

any advice would be welcomed!

I have read a few threads but not seen the inofrmation i am after.

thanks ALL

Louis

Similar Threads:

**fedup74** · 1st December 2008 13:02

Hi h2bf have you got the original agreements that you signed? I did this for my OH with a Halifax icon

CC and there was a tick box with a computer generated cross that had been put in after he signed the agreement. I was with him at the time of the application and they never mentioned repayment cover at all. They admitted they have done wrong but it is in the hands of the fos icon

cos they wanted to pay what they had taken and put it off his balance.

**hands2bfree** · 1st December 2008 13:17

i dont know if i have the original agreement form.
ill have to have a look later when i get home, all i know is that i took out a Halifax icon

CC and that i have been paying the PPI icon

i rang them last week to cancel it and they have. this card was taken out maybe 7 years ago... so im not overly sure. i have had replacement cards since though

**fedup74** · 1st December 2008 13:34

If you can't find your agreement send off a request for your original agreement so you can see how they have sold it to you

**hands2bfree** · 1st December 2008 14:13

oh ok, is there a specific format for requesting the agreement? is it a SAR icon

?

**fedup74** · 1st December 2008 14:20

A CCA request gives you the original agreement and costs £1. They have 12 days from receipt of your request to comply. An SAR icon

gives you all of the details they hold on you (including agreement, telephone calls icon

defaults etc) This costs £10 and they have 40 days to comply. I would just send the CCA request for now, it will tell you how you have been sold the cover ie tick box or signed for it. The CCA request is below. don't sign icon

the request, just type your name. Send it recorded/special delivery and put a £1 postal order in with it.
Your Address

Your account no

Dear sir /Madam

This letter is a formal request pursuant to s.78 (1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78 (6) will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading icon

Regulations 2008 (CPUTR).

I enclose a postal order for the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I look forward to hearing from you

GOOD LUCK

<<<<<<If I have helped, please feel free to tickle my scales

<<<<<<<<<

**hands2bfree** · 1st December 2008 14:26

WOW

so if i send this letter to all my credit card people, they will reply with an agreement of hoe the PPI icon

was in place for the Credit Card or loan?

then what would happen?

<busy writing letters!>

**fedup74** · 1st December 2008 14:31

Just do what I do rather than writing/typing them all out. R click on the top of the letter, drag it down till the whole letter is covered drag it into wordpad then fill in the details. It only took me about 3 years to work this out Yes this will give you an idea of how they actually applied the payment protection tick box (which is dodgy) or a signature icon

. If your anything like me you don't read the agreement when you sign, you're just told to sign here and here!!

**hands2bfree** · 1st December 2008 14:45

hehe ok

im clicking and dragging...
just going through my accounts online and found a loan i paid off a few years ago.. ill send them a letter too.

once i have sent these off ill wait for a reply and go from there!

thanks very much for your help

Louis

**fedup74** · 1st December 2008 20:24

No probs. Good luck

**hands2bfree** · 22nd December 2008 10:00

hi again!

i have a reply from one credit card.

i looked through the form and the PPI icon

is a checked box.

what do i do now?

lol

have fun

**Leeq1** · 6th January 2009 17:20

Bump

**fedup74** · 7th January 2009 10:35

I would write to them and tell them you never requested PP and that the tick box could have been ticked at any time, before or after you signed. This is what Halifax icon

did to my OH. I wrote and stated at no time was PP mentioned and that tick could have been added at any time. They paid out

**hands2bfree** · 8th January 2009 12:13

thanks fedup,

is there a standard letter for doing this or just write basically what you have stated?

**fedup74** · 8th January 2009 12:27

Hi Louis, don't know if there is a standard letter, I could dig out the 1st letter I sent to Halifax icon

if you want. They replied to this saying he had ticked the box and it would have shown on statements, yada yada, so I wrote back saying it was pre-generated tick box and they had obviously ticked it as the cross was a computer mark and not his tick (does that make sense!!?) Just shout if you want the letter

**hands2bfree** · 8th January 2009 12:29

no that sounds fine, i have another claim on PPI icon

with MBNA

so ill put together a letter explaing about the pregenerated tick and being mis-sold etc. hopefully the letter will suit both claims

thanks for your help i appreciate it.

hope you had a good xmas

**fedup74** · 8th January 2009 12:44

No probs. Wishing you a Happy and prosperous 2009!!

**hands2bfree** · 3rd February 2009 17:42

bump

**hands2bfree** · 3rd February 2009 17:49

just an update;

im following 2 companies

MBNA icon

; who after recieving a letter from me asking for money back are investigating and will reply by 06/02/09.

Halifax icon

; who replied with the following letter:

i am sorry to hear of your concerns regading the insurance applied to your credit cards.

we are keen to deal with your concerns as quickily as possible, however our investigation may take some time. the financial services authority allows us eight weeks to investigate complaints and it is our intention to deal with your concerns within this timescale and provide updates when appropriate.
please find enclosed a copy of our leaflet, which tells you how twe will handle your complaint.
yours sincerely ...

the enc leaflet was not in the envelope but it was entitled personal customer complaints - here's what weill do...

needless to say as they forgot to include it in envelope and i have not recieved it does bring me concern as if thats how they hamdle a complaint am i to think they will do nothgin, as nothgin was uspplied - if you get my drift...

lol any thoughts on this would be wlecome, on how to proceed further.

thanks

Lou

**hands2bfree** · 6th February 2009 00:20

Just an update!

i recieved a letter from MBNA icon

as follows:

thankyou for your recent letter regarding your MBNA credit card account.
we are currently investigating the points raised in your letter and will contact you again within 5 working days.
blah blah contacts blah blah.

any ides what i should do ?

yours comepletely lost and seeking direction lol

Louis

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