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Hiya,

 

I am trying to claim back PPI on two credit cards:

 

Clydesdale Bank Mastercard

 

and

 

Ryanair Visa which is MBNA

 

 

 

I applied for both of these cards in person. The Ryanair one was in an airport and was told the PPI was mandatory, and the Clydesdale bank member told me that if I didn't take the PPI that I wouldn't get the card.

 

Can someone help me with my claim, I am so confused on this site!

 

Thanks guys!

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Hello PP,

 

Hiya,

 

I am trying to claim back PPI on two credit cards:

 

Clydesdale Bank Mastercard

 

and

 

Ryanair Visa which is MBNA

 

 

 

I applied for both of these cards in person. The Ryanair one was in an airport and was told the PPI was mandatory, and the Clydesdale bank member told me that if I didn't take the PPI that I wouldn't get the card.

 

Can someone help me with my claim, I am so confused on this site!

 

Thanks guys!

 

First advice is read up on the stickies at the top of the forum specifically these...

PPI - Some Notes for Claimants..

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

This is a little snippet from the above link....

 

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

 

 

there is more in here... a lot of reading but you will learn how to fight back.

 

links

 

Best to read, learn, gather information and then fight.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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