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PPI settlements and debts


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Hello group,

 

Not sure where to take this, I got on contact with one of the companies advertising ppi claims at the top of your page. I now wish I hadn't.

 

I filled in forms for 3 credit card fees and 3 PPI claims.

 

The first said there were no fees, fair enough!

 

The second refunded £55ish, took it straight of my arrears. (fees claim), leaving me £28 to pay, something that is affordable.

 

The third, no reply yet.

 

My worry now is that if I do win (obviously I now wish it won't) the PPI claims will they offset it against my arrears, I am really worried about this as my only reason for claiming this was to attempt to reduce all of my debts and I am more worried that I will end up with new debts because I will have the company's fees to pay as well.

 

Is there anyway if I win that they would let me pay the fees and offset the rest.

 

I struggle from month to month and am once again on the verge of tears all the time, just when things were starting to settle, the trap starts all over again.

 

Thank you

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Hi

 

Sadly the banks do have the right of set-off but against arrears only.

 

The figures for refunds you mention sound small...are you sure you have received the correct amounts back? Have you done any calculations yoursefl?

 

Can you give us details of other debts as we may be able to advise as to what you can do about them to take the pressure off you.

 

ims

Edited by ims21

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Thanks for replying.the figure was small cos it was a fees claim. I do not even know if these cards had PPI when I set this route in motion.I did not claim for the cards with CCJs as the person told me they would offset it against these. All my debts are in arrears and I have manageable payment agreements with them, if these get settled I will end up with more debt which I didnt need.All I can hope now is there was no PPI and I'll just continue as I am stressed but just about coping!

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God it grinds my teeth. We wont claim on the CCJ as it will be offset against that? So if you owed £1000 but had £800 in PPI they would not claim.

 

Ive started on the road and though I was good with my bank charges claim, the help in the PPI section is excellent so go for it yourself.

 

I would like to ask the brains, IS they CCJ questionable as the amount will consist of missold PPI?

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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God it grinds my teeth. We wont claim on the CCJ as it will be offset against that? So if you owed £1000 but had £800 in PPI they would not claim.

 

Ive started on the road and though I was good with my bank charges claim, the help in the PPI section is excellent so go for it yourself.

 

I would like to ask the brains, IS they CCJ questionable as the amount will consist of missold PPI?

 

Possible grey area IMHO. Perhaps ask the question in Legal Issues Forum. This could also apply to other unlawful charges, not just PPI of course.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thank you, I do intend to persue the PPI on the cards which have CCJs as I have recently found statements and there is definitely some PPI on them, I will have a good read and use this forum to start this myself, I wish I had never used this company, they just pray on people in these situations.

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