Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


creditcruncha

Hidden PPI and CCA Claim 'Punishment'

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2651 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi good people! Can anyone clairfy 2 points:

 

a. Is PPI always indicated as a separate charge/item on a statement, or might it be 'embedded' in the total balance? Also, if a recurring charge item is indicated as life insurance, is that the same as PPI? ie, how can you know if you are being charged for PPI without having discussed it - are the payments always obvious and regularly indicated?

 

b. If someone is disputing a credit card balance's enforceability after bank's inability to comply with CCA request, can the same bank demand full payment of a (separate) loan agreement that has nothing to do with the credit card account other than having been issued by the same bank?

Share this post


Link to post
Share on other sites
Hi good people! Can anyone clairfy 2 points:

 

a. Is PPI always indicated as a separate charge/item on a statement, or might it be 'embedded' in the total balance? no often hidden

 

Also, if a recurring charge item is indicated as life insurance, is that the same as PPI? yes

 

ie, how can you know if you are being charged for PPI without having discussed it - are the payments always obvious and regularly indicated? no

 

b. If someone is disputing a credit card balance's enforceability after bank's inability to comply with CCA request, can the same bank demand full payment of a (separate) loan agreement that has nothing to do with the credit card account other than having been issued by the same bank?

 

yes

 

 

 

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.

 

 

Share this post


Link to post
Share on other sites

dx many thanks for your helpful response!

That leaves one final question for now: how can someone know if PPI is being charged to them without their knowledge??

Share this post


Link to post
Share on other sites

ok as this is confirmed as a credit card it would list it, so life ins is prob the one to reclaim. sadly many diff co's use diff names to 'mask' the ppi.

 

but i bet if you had the cca it would show what this 'life ins' covers and i bet its the cc repayments for xx time and not full life ins.

 

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.

 

 

Share this post


Link to post
Share on other sites
ok as this is confirmed as a credit card it would list it, so life ins is prob the one to reclaim. sadly many diff co's use diff names to 'mask' the ppi.

 

but i bet if you had the cca it would show what this 'life ins' covers and i bet its the cc repayments for xx time and not full life ins.

 

dx'

 

dx thanks again but I was misunderstood - there are two accounts in question: one is a loan which charges a regular amount for life insurance as a stand-alone item (and I now undertand that this is similar to PPI for purposes of the discussion); but the second is a credit card account which doesnt seem to show PPI or other insurance but I am concerned about whether it may be 'invisibly' built into the card account some way and wondering how I can determine this.

Share this post


Link to post
Share on other sites
dx thanks again but I was misunderstood - there are two accounts in question: one is a loan which charges a regular amount for life insurance as a stand-alone item (and I now undertand that this is similar to PPI for purposes of the discussion); but the second is a credit card account which doesnt seem to show PPI or other insurance but I am concerned about whether it may be 'invisibly' built into the card account some way and wondering how I can determine this.

 

ah right

if it doesn't show on a cc statement then its not being charged

so the second one has no ppi .

 

 

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.

 

 

Share this post


Link to post
Share on other sites
ah right

if it doesn't show on a cc statement then its not being charged

so the second one has no ppi .

 

 

dx

Dx

 

Hello again - just wading through more paper, I've found old Woolwich mortage details. I think I may have paid PPI on this without it being listed as a separate item. Do I need to submit an SAR to find this out or is there another way? It runs from Nov 1999 to I think May 2002 so would it still be possible to reclaim?

 

Thanks as ever

C

Share this post


Link to post
Share on other sites
Dx

 

Hello again - just wading through more paper, I've found old Woolwich mortage details. I think I may have paid PPI on this without it being listed as a separate item. Do I need to submit an SAR to find this out or is there another way? It runs from Nov 1999 to I think May 2002 so would it still be possible to reclaim?

 

Thanks as ever

C

this thread like the others you post on are years old

 

start your own threads clare


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.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...