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jad vs Beneficial Visa

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Sent my DPA request on 8th June.


Nothing heard yet, but they did cash my £10 cheque straight away.

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I hadn't heard anything yet, so rang Beneficial. The first thing I noticed was that their telephone system thanks you for calling Marbles, I double checked the number, and it's the one they quote on my card - which is another Visa card operated by them but not Marbles!


They found my details, and the operator said that they were not aware of any request under the data protection act, but had credited a £10 cheque payment to my account on the 13/6/06.


As the two were stapled together and sent to their main address (not a payments address) that is just bizarre (or perhaps normal).


Should I wait til the 40 days are up, or write to remind them ??

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I've now received my latest statement, which confirms the £10 credit to the account. Also, nothing received from the DPA request.


I am going to write to them reminding them of my DPA request, and that they have 40 days to respond.

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Eventually received the information today. It arrived in a badly damaged envelope, but nothing seems to be missing.


It's interesting to note that on the covering letter they explain that they've provided the information free of charge, and for my convenience credited the £10 to my account.


They took the careful step of only quoting a partial card number on the letter, yet every page of information has my full details and address on it !!!


Anyway, I shall be adding the charges up and get off my request.

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Request for refund sent on 8/7/06 by recorded, but unlike all other correspondance this one has not been signed for as of today.


I know that sometimes the post office don't update their records - but having asked at the post office I sent the item from, they cannot trace the letter.


Should I send another copy ? That would probably reset my timetable though....

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Should I send another copy ?


Just checked again, and it has been delivered OK on 10/7/06.


So, the clock is ticking. LBA to be sent on 24 July.

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From 2002, to late 2005, I have been paying a PPI premium each month on my Beneficial Visa card.


I needed to make a claim last year, and this was rejected by the insurers because I was not in "full time employment". I am a director of a small company, in which I have a controlling share.


I took advice at the time, and it appears that the PPI I was sold doesn't cover self-employed, or those "with the power to decide their own income."


So, do you reckon I have a justified reason for asking for a refund of the premiums paid...It amounts to MORE than I paid in penalty charges in the same period !!


At least they stopped taking the premiums in Jan this year, following my complaint the insurance wasn't suitable.


Any ideas ?

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Received letter from them yesterday (dated 18 Jul), signed from Clare Plummer, Senior Customer Service Advisor


It is the usual stuff, saying they believe the charges are fair and reasonable, and that they do not agree with the OFT findings.


They claim they have now reduced their default charges, and are unable to do anything about charges already applied.


The 14 days were up on Monday anyway, so the LBA will be sent as per my timetable.

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Sent LBA on 24 July, got response today, offering a settlement of £500 against claim of £925.


"terms and conditions" , "late payments" - I agreed to the charges etc etc....


So, should I write back accepting the payment as a "part payment" of the full amount, and give them until the 14 days after LBA are up ?


Or file the claim now ?



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OK, I wrote back reminding them of my timetable, and accepting the £500 as part payment of the amount due.


No response heard today, so I will be filing my claim shortly.

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If you see my 2 threads... exactly the same process as you've taken.. got my offer of full settlement on both Beneficial cards this morning - day before I was due to file claim :)

Action So Far:

HFC - £482.69 - Jaguar Card - Settled in Full :)

HFC - £698.51 - IOD Card - Settled in Full :)

Goldfish £539 - offered full settlement - awaiting refund/cheque.

MBNA (2 Cards) - Goodwill Cheques £1460 accepted - £870 compound interest as well :)

Capital One -£1,115.03 - LBA 6/9/06 - Goodwill Offer £366 rejected MCOL 5/10/06

Citi Cards - £845.38 - LBA 6/9/06 - Goodwill Cheque £273 accepted as part payment

Morgan Stanley - £461.51 - LBA 6/9/06 - Goodwill Cheque £160 accepted as part payment

Tesco - £291.20 - LBA 6/9/06

Marbles - £635.31 - Prelim 13/9/06

Egg - £663.08 - Prelim 13/9/06

Nat West Bank - £9,264.24 - Prelim 13/9/06


Barclacard - Awaiting Statements

Amex - Awaiting Statements

Airmiles - Awaiting Statements

Nat West Card - Awaiting Statements

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Received full settlement offer by letter on 8th, sent a reply and spoke to them yesterday.


I owe a bit more on the card, than the settlement offer was for, and they wouldn't send me a cheque, but did agree to cancel the account and clear all the outstanding money instead.


So, one less debt to worry about, but no cash-in-hand. Can't have it both ways I suppose.


Thanks to all who have helped.

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I owe a bit more on the card, than the settlement offer was for, and they wouldn't send me a cheque, but did agree to cancel the account and clear all the outstanding money instead.


I just received my next statement.


They credited the full amount owing, and the balance is NIL, except that

their system then added a Late Payment fee (now £12) because no

payments were received. The credits were shown as Refunds not payments.




I have written to them asking them to sort this out, and confirm the account is closed, so I can close the matter with them...


I await their response.

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