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Old Credit Cards


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Hi,

 

Back in early 2000 - 2003 I had credit cards that I defaulted on, and they all had the insurance on them. I know this as I was sacked from a job, and was unable to claim the insurance on them, which was what then led me to default.

 

When I appealed the decision to sack me from the job, I was succesful and got it back, however this took a full 6 months, and by this time i was in real trouble with the cards. They didn't seem to care as I tried to get them to pay through my insurance I had taken out, and as I was no longer sacked.

 

Is there anything I can do about this, or should I just forget it? The defaults are now off my account, and I am starting to build my credit rating again, but this really affected my credit rating, and eventually led to me having to take a WelScum loan out when paying for my house. (Looks like I will be paying this loan for the rest of my life!)

 

The Credit cards were with Lloyds TSB

 

Kind Regards

 

Colin

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I don't know if I was mis sold it, I definetely had it, but it clearly wasn't usable when I tried to use it. So I suppose yes I was, as I believed this would cover me being sacked and reinstated

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Hi Colin,

 

My husband was in similar position many years ago through ill health. Paid PPI premiums but they wouldn't/didn't pay out when claim needed. We have sent SAR request and will be claiming for all premiums plus any charges applied to the account.

 

There are template letters in the forum for you to use to request SAR information. I have found them very useful thus far.

 

Personally, I wouldn't hesitate.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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You will only need account numbers and address details you were living at at the time. If you have moved, they will require evidence that you are who you say you are.

 

Are these accounts closed now?

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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