i think many people use 34.9% which is their typical apr-i called and ask what % they applied to my account-29%and used that.

pindagolf-mine took 76 days and about 1/2 dozen phone calls both for credit card and bank sar give them a call and ask for an urgent email to be sent to the relevent department-also drop a hint that you will be contacting information commissioner and adding charges for every phone call-this is what i did in the end!!!!!!

still no news fc??

hi andy-wow that was quick i've just had a settlement figure from crap one-they arent too keen to pay cci but go for it........ i claimed late payment fees and over limit fees-dont forget to add returned direct debit/standing order/cheque fees too. i used s/sheet 13 too. there are many people on here who will guide you.

sorry paintball-the only reason i mentioned it-was because i actually got cci back without filing--------------- sowerby -please come back-where are yoouuuuuu!!!!!!!!!!!!!!!!!!!!!!!!!

i also work in a position wher i have known patients try and claim off various ppi and health insurance to discover they are not covered and some of these are dying people

take a look at the ppi forum-there are many people caught in this wrangle over ppi

my ppi/claim wasnt with crap one -it was with another company-i did loads of homework and when i rang the insurance claims dept -(pretending to be a potential claimee) i found that i wouldnt have a valid claim because i was a casual worker. i then used this info to subsequently go on and have refunded my whole ppi,the interest theyd added to the premium and cci on top. they also paid back £380 worth of charges on the account and cci on those aswell.it took my outstanding balance from £3322 down to £1680. i ahve also helped fellow colleagues at work fight against mis-sold ppi with different institutions and theyve all got it back before filing in court. out of 6 cases-all with different companies-not one was valid either due to pre-existing medical conditions/not working over a certain amount of hours/not having been in continuous employment for a specific time. this is what i base my opinion on-experience,research and the fact that all these companies admitted wrong doing and avoided the courtroom door!

you really are havin a rough time km-really hope it all pans out ok!

crap one reckon mine will be here by early next week/beginning of aug-awwww!!

i agree clarion-there is much more small print on a ppi policy than some people think-i won a claim for ppi,with cci-not crap one though but it would be interesting to see crap ones ppi t/cs most do not cover pre-existing medical conditions/casual work/e.t.c and many people are sold it when they either dont need or dont want it. 70% of ppi policies are actually mis-sold!! so if anyone has a policy -look into it

still no sign of payment but a letter with crap ones defence has arrived basically-says they wont be paying cci-blah-de-blah. but that they have refunded purchase interest,charges,court fee and stat int. (im)patiently waiting !!!!!!!!!!!!!

no cheque- just a letter from court with crap ones defence , saying that they have paid me the settlement figure. no a/q- justa request for £100 before august 10th

Hi just wondered-there are several people who have had settlement letters but seem to be waiting for ever for the cheques please could you post what date your settlement letter had on it and also,-on what date you actually received your cheque-thankyou!!!!!!!!!!!!!!!!!!!

you know or -(seem to think you know) so much about crap ones ppi and their policies and proticol on charges so you must be one of their DEDICATED staff. you know all about ppi-i know nothing-so why have i just won a £1300 claim BEFORE i even issued a court claim??????-perhaps it was out of the goodness of their hearts.LOL.So youre telling me that if i work as a casual worker which means that i may have no work for the next three weeks and then say,6 hours the following week followed by lets say 10 hours over the following 3 weeks-crap one ppi will pay my credit card bill of say £200 when i go into hospital for the next 12 weeks for abdominal surgery- you also KNOW that crap one will win if cci is taken to court-take a look on the crap one threads-YOU'RE WRONG-read km-S thread-he has filed for warrant of execution and is claiming cci-perhaps youd like to spend some of your valuable time reading the successes with ppi-and i'd better not assume that as this is office hours you would ever dream of pilfering work time by using the computer and time for your own benefit..tut.tut.costing your company money which could affect all those others pay rises-ah just nipping the bud..............

theyve got til 29th to defend too so i'll be at the court early next week if nothings materialised-just phoned capquest and theyve not received payment towards my account from crap 1 yet!!!!!!!!!!!!!!!!!!!

hi shar-i used s/sheet 13 -i think this is the most common one used on here for cards

i am not going to respond to your posts anymore all i ask is-see beyond yourself and your ideal obviously flawless life-believe me-in my profession i deal with people from all walks of life with MANY problems and get a great buzz from helping them-oh and have you fount THE answer to the previous post???? there are many casual workers without contracts who, as i was,are sure they cant get ppi to cover them if they are ill-perhaps you're the person who can actually help in advising them otherwise!!!!!!!!!!!!!!!!!

right-if i could have claimed ppi as a casual worker then a)-why have i just won a case before court for being mis-sold ppi????????????????????????????????

thanks shar-your post been yet??-shouldnt be long now but km-s situation a bit daunting!!!!!!!!!!!!

you know i could have claimed ppi do you?????????????? FACT!!!!!!!!!!!!!!!-----i was a casual worker so no I would not have been entitled to ppi--understand the meaning of fact????????????????? because i was a casual worker-despite working an average of 37 hours a week-i could not claim compassionate leave or sick pay-i had to take leave without pay whilst mum was in intensive care-i really wish you would get your facts right ALSO- i have worked in a city accident /emergency unit-you try telling bereaved parents of kids killed in motoring accidents that a speeding fine should only reflect the cost of the photograph-i really think you should keep your opinions to yoursel. how can this be compared to letter writing and phone calls?????????????? at the end of the day-as my friends on this site stste-we have all prob come across mis-fortunes like illness,job losses,family crisis and personal problems but that doesnt give banks the right to take the mick-as i've said before , you dont know what might be around the corner so i'd tread very carefully-and i am talking from experience!!!!!!!

hi shar-just as a matter of interest-which no did you call crap one on about your cheque??

just as a matter of interest how do you get a snot????????????????? lol

hi shar-surely if it was sent on 19th-you should have received it by now or is that when it was requested?? mine was requested on july 17th but no show as yet-UNLESS it comes today..lol---------i usually dread the post coming through the letter box-but not lately.xxxxxxxxxxxxxxxxxxxxxxxxxx

thanks bettyboo-already sorted!!!!!!!!!!!! ta