Advice needed on how too progress with credit card complaint/PPI

[nellyM029]

Hello,

 

 

This is my first time posting, so I hope I am at the right place. I was the classic 'head in the sand' person for a few years over debt. For the last 10 months I have been sorting it slowly and live by a very tight budget.

 

I had a Morgan Stanley credit card with PPI, which at the time I got because I thought it helped my credit rating. When I split up from my partner in 2006 I cancelled the PPI and tried several times to change my address as I moved out the area. they made it very difficlt for me to change address, I tried countless times but was unable to and reduced my payment to minimum payment. I never recieved a statement since 2006.

 

The card then became a barclay card when morgan stanley were bought out. It was even more difficult for me to locate the card. I finally managed to access it by taken ID etc into barclays bank a few days ago.

 

Then I found out I have been paying PPI every month.

 

In addition to this I found out I opened the account in 2001 when I was a student who worked part time.

 

The balance of the credit card is about the same as it was 4 years ago and I have bever used it. It is £3999 balance and I have been paying £87 a month without using it for 4 years.

 

I need advice, my life would be so much more comfortable (v tight budget) if could write this off. I have written a formal complaint - can I reclaim anything?

 

Thank you so much for any advice I recieve

 

N

[maroondevo52]

Hello and Welcome,

 

Have a look at the stickys at the top of the Forum.

 

Regards.

 

Scott.

[nellyM029]

Hi Scott,

Thanks for taking thetime to reply, stickys? Have i posted in the wrong place. Thgis site is excellent by the way dead pleased i found it

N

[maroondevo52]

Hi,

 

No, your in the correct Forum I'm just not too good with PPI stuff

If you hit your back button, at the top of the Forum, there's a list of threads, 'stickys' which you should read regarding claiming back any PPI.

 

Regards.

 

Scott.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

dx

[nellyM029]

Thanks DX!