Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Chrisw1982 Novitiate

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    Unhappy Nationwide Credit Card PPI help

    Hi All,

    I apologise if this thread is a replica of another, i did not see any through the first few pages!

    I need some advice..

    Ive had a Nationwideicon credit card for almost 5 years, recently and quite unknowning i picked up on 'Payment Protection Insurance' on my bill to my own fault i never really monitored my statements. I was completely unaware of this and called Customer Services to enquire to when it became active. I was informed from the start when i first activated my very first card! i challenged this and was told that the matter would be investigated and my first application would be located!

    This initial call was on 11th April 2009. I was told by customer services that the PPIicon would be cancelled and a confirmation letter would be in the Post. I was informed that The april payment of £22.00 and May's would be refunded indefinately when the letter was received back to themselves. No letter was received within a week and so i contacted them again and finally got one which i returned.

    I monitored my credit card statement and saw that June's PPI was refunded but not april or may. I then contacted Customer services 2 weeks ago and was told that there were Notes on the account which could not be disclosed and that i would receive a call back within 48 hours (this was monday 29th June 09. Nothing was heard and so around the 5th of july i called and again was told it was being investigated. I demanded to talk to a supervisor and one wasnt available, so again id receive a call back. Ive since contacted them 7 times and been fobbed off with a call back but never hearing anything!!

    I am finding this situation so stressful, they are quite happy to contact me if i didnt pay enough money a month but when i need something, i get fobbed off with "were call back within 48 hours" and never hear anything.

    What should i do? i really feel like making a complaint

    Thanks

    Chris


  2. #2
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    sleepz Novitiate

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    Default Re: Nationwide Credit Card PPI help

    Hi Chris.
    What you need to do is send them an S.A.R.
    You'll find a template in here :

    http://www.consumeractiongroup.co.uk...5-sar-ppi.html

    They legally have to comply with this, so their reply should include even the "Notes on the account which could not be disclosed". They should also include your original agreements and all correspondence they have about you. Get all this stuff, see exactly what the terms of the PPIicon are, and then if you still think you have been missold the PPI you can go from there.

    I wouldn't even bother complaining to them, just send off your S.A.R, wait a while and see what they send you back, consider your options, then go for a full refund (by reclaiming all the PPI and interesticon) if you still think you were mis sold the PPI / sold the PPI without any knowledge.

    Keep us updated.

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

    07/07/09- First Plus PPI - S.A.R sent
    18/07/09- First Plus PPI - S.A.R received
    22/07/09
    - First Plus PPI - Initial request sent


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE