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Hi all.
My wife has 2 credit cards plus one store card.
Looking at the statements it doesn't show if she's paying PPI. If she is i'd like to stop it to lower the payments.
As it isn't shown does this mean that she is not paying it, or is it possible that its hidden in the repayments?
Cheers
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NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
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Thanks.
i've checked her statements and all i can see is her last payment, the interest and also what the next payment minimum should be. so i'm thinking that maybe she doesn't pay any?
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
ok. After another check it seems we are paying PPI on the barclaycard.
Though it says "optional".
What would be the best template to try and claim back? and is it worth the trouble?
Also she has gone over her limit. her limit was 850 but because of late payments and charges, plus ppi and interest it is £1006. Which is now causing her to have over limit charges.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
fantastic! thanks. Letter being issued first thing tomorrow.
Just one other question. Do i send one letter reclaiming both the charges and the PPI or send separate letters?
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,082
Re: credit card PPI
if you have all the statements then no need for the SAR
if not, then send the SAR in the guidance notes [ensuring it has the line about wanting a copy of the CCA too]
if you have your statements already, then i'd sit down and do some calculations and work out the PPI refund and also workout the charges to reclaim, and don't forget the interest on both at their highest rate.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
ok this is getting worse.
Just looked at her adams card that is set up with creation finance.
2184 oweing on it. 100 pound a month charged broken down into 20 default fee, 35 PPI, 35 interest on purchases and 16 on cash advance.
I can't afford to get a SAR at the moment . What i need though if anyone can help is a combined letter asking cor the charges back and all the ppi . I can get templates for only one or the other at the moment.
Can i claim she was mis sold as she took this card out about ten years ago, while she was looking after the kids and had no job as i was the only breadwinner at the time. Surely they should never have given her a card. She didn't apply for it either, it was pushed on her at the till when she was at the shop, with the offer of a discount on her purchase if she signed up there and then.
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,082
Re: credit card PPI
sadly that very common [till sale of card ]
its not just a simple case of firing off a letter saying hey give me back the charges & PPI.
does work sometimes, but then you get short chsanged
you really need to do some calcs and tell them what you want back
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
template for credit card PPI and charges please??
. If she is i'd like to stop it to lower the payments.
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