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KatF

reclaiming CPP Insurance help

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Hi Guys,

 

I have just had the CAG email newsletter through and found this experian thread interesting, i believe i have been with them since 2011 however cant access my account info previous to 1 yr on their website in my account details and my bank online can only take me back to 8/2012. I have been paying £14.99 a month since the start and have sent them this email today....

 

To whom it may concern,

 

I have recently been looking into my finances and taking advice from a financial adviser and i have been alerted to an issue i have with my account.

 

At present i can only find details of payments to yourselves of £14.99 per month by card payment on a monthly basis since August 2012, however I'm pretty sure that i joined back in 2011. If you could confirm when i joined that would help me a lot.

 

In the mean time i would like to raise the concern that in all the months i have been with credit expert not once was i given the opportunity to decline payment for insurance with my monthly payment.

 

I am led to believe that the payment for insurance is included in the monthly payment of £14.99 and it equates to £6.40 per month. I am most certainly not happy about this as i actually didn't even know that there was an option for a cheaper package a month at £9.99 which doesn't include insurance. To that effect i would like to apply for a full refund of the £6.40 and 8% interest per month that i have been paying without the need to, this amount up to August 2012 totals £165.88 and obviously upon confirmation as to when my account was opened i would like to pursue the months in addition that i cant see on my account details online.

 

I shall be sending a complaint letter to the FOS outlining my claim, along with a copy of this email to yourselves.

 

I look forward to your reply,

 

Kind regards

 

 

Do you think this is ok?

 

TIA Kat

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KatF

I have removed your name from the end of your letter. You don't want people knowing who you are, do you?


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Kat, there is also an article in CAG magazine, which prompted the Newsletter article..

 

http://www.consumeractiongroup.co.uk/forum/content.php?1046-Experian-misselling-of-ID-theft-insurance

 

As your letter/email has already been sent - then it reads ok :lol:


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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

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Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CitizenB, hopefully it gets me somewhere lol :)

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Please keep us updated :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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just as a side note

 

 

they know all the payments you made

 

 

they had data on two people I helped going back into the 90's

 

 

one simple letter and one phone call

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Fabulous, are they quite honest in how long you have been a paying member or will i need to persevere?

 

Thanks :)

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no they are very honest.

 

 

2nd one I did they found a previous account 3yrs before the one reclaimed for

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Brilliant, hopefully i will get somewhere then :)

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own thread created


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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