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Hi, I'm new here and have been reading lots of posts and information about PPI's but I'm still slightly confused by the issue. Here's my current situation:
I have a credit card with Mint, my credit limit is not very high, I haven't missed any payments or exceeded my limit, nor have I incurred any charges etc. I am however charged each month for "Payment Protection" (amount varies from around £2-£5/month). As I am voluntarily unemployed, and have been for just over a year now, this insurance is not valid is it? In which case I have been paying for insurance that does not actually insure me at all?
I have requested cancellation of this Payment Protection online, they are sending me out the cancellation letter which I will need to sign and send back to them, but will I be able to claim these payments back? As I opted for online statements as opposed to paper statements, I only have access to the previous 6mths statements so at the moment I can't work out how much I insurance I have paid in total. I'm also not sure when I even took out the card (I'm useless I know!) but I reckon it must be about 2 years or so.
One more thing, I read in another topic something about the interest charges incurred regarding PPI's. Can anyone shed more light on this and advise me as to what I should do now?
MINT credit card
's but I'm still slightly confused by the issue. Here's my current situation:
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