hi LDG I'd ask for it anyway! I've just started looking at my PPI and it's dreadful. I've got one credit card where I paid (over 12 months) £1774 and £1352 of that was interest, PPI and a couple of £20 late payment charges. Also - there was a 0% interest rate balance transfer but they added a 'finance charge' every month on the balance! not a large amount at all but at the end of the day - it's my money they took. good luck with the claim S

good morning I've got a number of paid off Egg Credit Cards where I paid PPI each month. In at least 2 cases this insurance failed to pay when I was made redundant as I wasn't in receipt of Unemployment Benefit. How far back can I claim for a refund of these premiums -is it 6 years as with bank charges? also - as the minimum monthly payment was always made and that payment seems to cover the interest and the PPI I'm assuming that there's no interest to be added to the claim. If anyone could advise it would be much appreciated thanks in advance S

Hi N.P post 121 on page 7 regards S

hi I've got a Barclays Select Account Loan which was started in 2000. The agreement has a section for PPI with two statements (want it or don't want it) Neither of these is highlighted or selected and yet I've paid PPI for the life of the loan. I've defaulted on the loan and got a copy of the agreement which is unenforceable (they have stopped chasing for payment) but I wonder whether I can go ahead and reclaim PPI premiums paid ? any advice appreciated thanks S

hi Slick will do that thanks for the advice - again!

HI NP feel free to butt in ... that's what I'd like to establish cos I find it slightly confusing. regards

hi Steven thanks for the response. so, to be very clear (cos my brain is very muddled) when we say 'total cost of credit' is that the amount of interest (assuming that there are no other charges to be added)? many thanks S

good evening this is probably a true 'Numpty' type question but I'm tired and not concentrating. Does the loan agreement have to put the total amount that would be repaid includng interest or just have the total amount ie loan plus PPI and then the APR and number and amount of monthly repayments? thanks in advance S

another interesting thing to note that I would have been happy about if I had found this site a few months earlier than I did. The DN from October 2008 was defective due to only allowing 14 days from the date of the DN for remedy of the default. Unfortunately I paid them a few hundred pounds after receiving that. The final DN was dated 1st December and the remedy date was before 18th December so is this ok or is it one day short? (assuming 2nd class post) regards S

Hello Slick I've just looked through my rather slim Barclays Select file and double checked the 'agreement'. Whilst there is a section relating to PPI and statements re 'I do..' or 'I do not want..' PPI there's nothing at all to suggest that either of those options was selected. As far as I am concerned it was added without discussion so I believe that it ought to be refunded. what do you think?

Do you think that this is why the batch of Default Notices were processed last week? bit of a tidy up before the change of branding

good morning what happens if we refuse to accept/sign as our accounts are in dispute? S

so I'll post this and then remove it

hmmm

good morning a question - if the account is unenforceable due to the lack of an appropriate agreement, can I reclaim the PPI premiums? (I expect that they would just keep them to reduce the outstanding loan balance but might be interesting to take that path...) any thoughts appreciated

good morning 00765 not sure that I should say this out loud but (whispers) before you use your limited proceeds for debt repayments - are you sure that these debts are enforceable?

well done Mr Man

ah yes, that article was dated 2005

hi PF well, I'm counterclaiming for two lots of PPI now and the agreement that is unenforceable has PPI but as they're not chasing me for the debt I haven't got around to asking for the PPI refund. There was PPI on at least 4 credit cards that I have cleared over the past 9 years (I am hoping that I can reclaim some of the more recent charges but need to SAR to get copy statements) It's quite dreadful really. I paid PPI on two credit cards and a loan with the same lender and when I was made redundant in 2006 they said 'oh sorry dear, you can't claim if you don't receive unemployment benefit'. I was so naive that I just said 'that's unreasonable, I didn't realise that' and accepted it (give me a good shake someone!) we live and learn - eventually

hi I tend to stay in the Legal Forum as thats what I found when I Googled for advice re County Court Claim (first one ever!) in January this year. I must say that this site is fantastic and the people who have helped me over the past months, asking absolutely nothing in return and often making me laugh in the process, have been tremendous. Like most of the other contributors to this thread, I used to earn lots and spend a little more (oops it shouldn't be that way round should it??) but never missed a single payment until I was made redundant. When I finally got another job it was on a significantly lower salary and things deteriorated steadily until the end of last year when I realised that I simply couldn't afford to live and pay my monthly repayments. I don't think that some people realise that it's quite difficult to default on payments when you've spent years making sure that everyone was paid on time and in full. however, once I stopped and added up how much I owed and how much the monthly repayments were, I was both horrified and, in a perverse way, relieved that I was finally going to sort it out. Little did I realise just how much of a p***s take had been going on for years with PPI, interest rates escalating and bankers offering me loans to clear credit cards and reduce monthly payments only to offer me credit cards again in the same month (and each consolidation cost me hundreds or thousands in lost PPI premiums) right now I've got one loan going through Court proceedings, one agreement is completely unenforceable, one is 'missing', one is on hold (I think pending the outcome of the court case as it's the same lender) one has just been defaulted by MBNA and an overdraft is made up completely of bank charges that I'm reclaiming! ok I've got to live on my salary and got absolutely no access to credit at all but it feels fine. The site and the wonderful site team and other caggers have educated and assisted me and, whatever the final outcome of these cases, I'm really pleased about what I'm doing crikey - almost Mills and Boon stuff there. just need some heaving busoms and throbbing loins and we'd have it all

hi BB thanks for that I'll check my rating but may write to them anyway about stopping the PPI (I didn't agree to it in the first place and have paid it for years (eejit or what?)) regards

hi Notty from MBNA by any chance?

hmmm what do you make of that then? I suppose that I could push the issue but as I said, got more urgent things to deal with S

evening Magda thanks again for your help Magda. Sunshine

good evening one last question prior to printing my Defence - do I send a copy to the Solicitors as well as the Court? thanks S