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Hi all.

My wife has 2 credit cards plus one store card.

Looking at the statements it doesn't show if she's paying PPI. If she is i'd like to stop it to lower the payments.

As it isn't shown does this mean that she is not paying it, or is it possible that its hidden in the repayments?

Cheers

Edited by livingdeadguy
to gain help

IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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no it must be shown, but look for everything! they use pretty clever names.

it will show every month whatever they call it.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks.

i've checked her statements and all i can see is her last payment, the interest and also what the next payment minimum should be. so i'm thinking that maybe she doesn't pay any?


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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yep go with that

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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ok. After another check it seems we are paying ppi on the barclaycard.

Though it says "optional".

What would be the best template to try and claim back? and is it worth the trouble?

Also she has gone over her limit. her limit was 850 but because of late payments and charges, plus ppi and interest it is £1006. Which is now causing her to have over limit charges.

:(


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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VERY worth the trouble! you'll get interest back on it too!

and get those charges reclaimed!

 

if you pop up the top of this page and click on the blue underlined ppi [payment protection insurance] bit

 

there are guidance notes in the stickies at the top of that new page

 

have a read.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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fantastic! thanks. Letter being issued first thing tomorrow.

Just one other question. Do i send one letter reclaiming both the charges and the ppi or send separate letters?


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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if you have all the statements then no need for the SAR

if not, then send the sar in the guidance notes [ensuring it has the line about wanting a copy of the CCA too]

 

if you have your statements already, then i'd sit down and do some calculations and work out the PPI refund and also workout the charges to reclaim, and don't forget the interest on both at their highest rate.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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ok. I'll put in a request as not sure that i have all statements.

Cheers DX


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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ok this is getting worse.

Just looked at her adams card that is set up with creation finance.

2184 oweing on it. 100 pound a month charged broken down into 20 default fee, 35 ppi, 35 interest on purchases and 16 on cash advance.

I can't afford to get a SAR at the moment . What i need though if anyone can help is a combined letter asking cor the charges back and all the ppi . I can get templates for only one or the other at the moment.

Can i claim she was mis sold as she took this card out about ten years ago, while she was looking after the kids and had no job as i was the only breadwinner at the time. Surely they should never have given her a card. She didn't apply for it either, it was pushed on her at the till when she was at the shop, with the offer of a discount on her purchase if she signed up there and then.


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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sadly that very common [till sale of card ]

 

its not just a simple case of firing off a letter saying hey give me back the charges & ppi.

does work sometimes, but then you get short chsanged

you really need to do some calcs and tell them what you want back

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thats what i thought. Guess i'll have to wait till payday to get the SAR requested. Is it about ten pound?


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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