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    • Hi all,   I'll try and summarise this mess briefly.   I have approximately £45,000 in credit card debt from the UK. I moved abroad a number of years ago (outside of EU). Up until now I was making minimum repayments, and had never missed a payment. It's got to a point where I can no longer continue making the payments, and I never told them of my address change (the address listed is my last UK address, which is my parent's home). I was basically using one of the cards with money available to pay off the other minimum payments using Revolut, and now of course i've run out of money. I have no spare money available, nor anyone that can help, so I believe my only choice of action is to stop paying. My CC accounts are with Lloyds Group, Tesco & HSBC.   From asking a different forum, my understanding is that if I do not intend to make payments I should cancel the direct debits first of all, then eventually all the accounts will default. I also was recommended to send letters with proof of postage to the creditors regarding my address change so they don't hound my parents, and have my correct contact info. I managed to find the address to use for Lloyds & Tesco, but I cannot find a postal address for HSBC anywhere. Is anyone able to help me with that please?   To answer some questions, I don't plan to return to the UK anytime soon. I don't have any assets in the UK, my bank account that had the direct debits is not connected to the creditors, does not have an overdraft, and the only money that was in there was to cover the payments. Also, I've been out of the country longer than the amount of time bankruptcy would be an option. I'm not particularly proud of what i'm doing, but feel like the only option is to have a fresh start from the worry of my UK debts.   Does anyone have any advice, or suggestions on my plan, and if i've missed anything? When the phone calls/letters/emails start should I respond/respond in a particular way/ignore? I guess at this stage without missed payments, this month will be the 1st time anything is noted, so i'm not sure when the messages will start.   Thanks for your time.
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Providian Credit Card PPI success


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Well 3 weeks ago i wrote to Barclaycard after some research to discover this tangled web of who buys who and what...

 

My old Providian Credit card that i had between 2003 and 2006 with a pathetic £500 credit limit was bought out by Monument, which in turn was bought out by Barclaycard.

 

Well as i said 3 weeks ago i wrote to barclaycard, told them i was wanting to claim my PPI back on the providian card, within a few days i had a letter saying they were looking into it and gave me the standard we have 8 weeks etc..

 

Today i had a letter from Barclaycard asking me to accept in full (which i will) the lovely sum of £403.00.. wow i nearly fell over my limit was only £500 during the whole of the 3 years i had my credit card..

 

Thank you barclaycard, what a speedy response!!

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good but did that include interest ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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yes in deed, this is how it was worked out, premiums from sept 2003 till Jan 2006... £180.31

Value of compound interest charged at on premiums £63.58

Interest on credit balance at equiv of 8% per year calculated on monthly basis £159.35

Interest at equiv of 8% per year to closure date £0.0 (zero)

Total refund £403.24p

 

Im well happy seeing as my limit was £500 and i had used it to the limit most of the time.

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Very good.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...
Hi I saw that you sent your PPI claim to Barclaycard for your Providian card, could you tell me address you used as I wish to reclaim my own PPI on the Providian that I had.

 

Hey mate, im in Rome till next Wed, soon as i get back i will send the address.

 

Best regards Steve

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Hi Shaun

 

The address for Providian Credit Crads (which were bought out by monument, which in turn was bought out by Barclaycard and they WILL accept full responisbility for it) is as follows

 

Barclaycard

Customer Relations Department

PO Box 9131

51 Saffron Way

Leicester

LE18 9DE

You will get a reply from Barclaybard saying that Providian did not use PPI but instead provided something called PBP (Payment Break Plan) but treated it the same way as PPI.

 

Hope that helps

 

Best Steve

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  • 2 weeks later...

Well i believe there are templates on here, i used them when claiming bank charges back in the day.. on this occasion i wrote my own letter which clearly worked, ive even had the money and SPENT it already!.

 

PM me your email address and i will gladly send you my letter, then you just put your own details on it.

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Well i believe there are templates on here, i used them when claiming bank charges back in the day.. on this occasion i wrote my own letter which clearly worked, ive even had the money and SPENT it already!.

 

PM me your email address and i will gladly send you my letter, then you just put your own details on it.

 

Matman won't be able to PM you and of course it is not encouraged to give personal info by PM.

 

Why not post your letter up here eggopp so that others may benefit from your approach?

 

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

 

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Matman won't be able to PM you and of course it is not encouraged to give personal info by PM.

 

Why not post your letter up here eggopp so that others may benefit from your approach?

 

ims

 

Oki Doki...

 

Well here is my basic letter, which served its purpose, right or wrong i sent this to all my PPI people and they all responded to it, but using the correct addresses for each one.

 

Also you dont have to provide actual account details if you dont know them as long as you can confirm who you are and the address you were at when you held the cards..

 

My letter below

 

Steve

 

Barclaycard

Customer Relations Department

PO Box 9131

51 Saffron Way

Leicester

LE18 9DE

 

 

Dear Sir or Madam,

 

Re: Providian Visa owned by Barclaycard Account **** **** **** 1459

 

I am writing in relation to the above payment protection (PPI) policy which i believe was mis-sold to me in relation to my visa card.

 

I believe you have not treated me fairly for the following reasons;

 

· The PPI was added without my knowledge..

 

· You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

 

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

 

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

 

This letter is in respect of the above account that was issued by Providian Credit cards.

 

Yours faithfully

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Nice one :thumb:

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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