Hello

I had a large number of improperly executed credit card agreements which I had been paying for 20 years.

After advice from CAG I decided not to make the remaining payments and they are all now statute barred.

Due to the length of the time I had the cards their will have been PPI payments made but...

1) Some credit cards were paid in full before I got into financial difficulty many years ago which I don't have records for.

2) Some accepted full and final settlement payments to clear the account,

3) Some accepted a final payment and marked as partially satisfied

4) Some would not negotiate and I had no money left so they were not paid anything

Which of the above can I reclaim PPI for

Thanks

all of 'em.

get a few sar's running.

dx

all of 'em.

 

dx

That's what i was going to say

Thanks both DX and Maroondevo I will do exactly as you say and report back.

Hi,

ROYAL BANK OF SCOTLAND:

Just had a further file back from RBS with 5 accounts of PPI which they have settled.

One of the accounts they moved the PPI payments from a business account which failed, to my personal account without my authorisation.

I have been writing to them about this for two years after they rang me and refused to pay out.

I have written to them asking to outline it all so I may post it up on CAG.

MIDLAND BANK (NOW HSBC)

In the credit file RBS sent me they included a file from the midland bank for critical illness cover midland bank sold me for the mortgage I had,

they requested confirmation from them

they had no further interest in this payment as they were offering us a new mortgage.

The file is from 1995 and gives all the details I need if I can claim against them for this.

Any advice please ?

cant see why not

or their underwriters

Thanks DX,

Ill post up their reply

Hi

Had two replies AMEX say I have no record of any PPI but MBNA have sent the following:

REF:XXXXXXXX

DATE;XX/XX/XXXX

Thank you for your letter requesting information in regard to payment protection insurance (PPI)

We confirm that you hold/held the following card accounts with MBNA ltd.

ACCOUNT NUMBER: PPI START DATE : PPI PREMIUM HELD:

**** **** **** **** XX/XX?2004 £1600.00

We trust this information fulfils your request

Yours sincerely

REGULATORY TEAM MANAGER

What should my reply state/

Thanks

Exasp

that's not an sar reply.

dx

Hi DX

I didnt send an SAR request

Is sent this..

Name

Address

date

Dear Sirs

PAYMENT PROTECTION INSURANCE

Please forward us any information you have on either us individually or as a couple regarding Payment protection insurance on any product at any of the following addresses:

xxxxx

Yours sincerely

Okay Ill resend a SAR request to each one. MBNA have admitted to this should i send a reply or a SAR?

you need the statements sar

Hi

Following DX advice I have SAR all my previous creditors.

Some of the banks have returned my cheque informing me we need to send a cheque to each subsidary and in the case of HSBC one for my account and one for my mortgage account. Is this right?

not if they are all the same group no.

just because a named bank has a mortgage 'wing'

its still the same bank

Thx DX

I will send Cigna Insurance services(HSBC mortgage arm) a letter stating HSBC have already deposited my cheque. The mortgage was with Midland bank and I have mortgage acknowledgement form with the PPI shown. I sen this to HSBC and they said they need proof of payments.

Hi

Thanks DX for advising the SAR.

I have heard back from one company at present, AMEX,

who though i have not had PPI with them

they had incorrectly told me a settlement amount in the 90's which has meant I have had an £80 credit since then.

They said their records only go back to 1999

I have asked them for interest and compensation for not being able to use the money.

They have offered me £160 which seems a small amount considering that 19 years has passed.

What are your thoughts on that?

Thanks

use the statint sheet

Thx DX

Hi

HSBC

I had my SAR returned from HSBC today and though it acknowledges we had life policies on our mortgage they state they do not hold records.

I have sent them an original application showing the PPI attached to the product but they state until I can recover statements showing the actual payments they cannot refund me.

As the various products ran commencing from 1991 up to 1995 I dont have records.

now the SAR has come back blank do I have any other course of action

Thanks

if it shows on the mortgage agreement

they can work out what you paid from that.

Thx DX

They are saying without proof of payment they will not refund

Rubbish but anyway mortgage payment from any year from your bank will do

Dx

I dont hold any payment references as this dates back to 1998, I only found the PPI on the approved application which I was sent upon a SAR to RBS for some strange reason.

What do you think is the next action?

Sar the bank account you paid your mortgage from

All you need is ine example that you paid back then