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Reclaiming PPI on Bank of Scotland Visa Classic


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I've been sent the data, having sent a SAR to BoS.

 

 

This credit card ran from 1993 to 2003. There's about £800 worth of PPI payments on there, but when I put the transactions into the calculator at 24.9% contractual rate, the claim figure comes out at over £15000.....

 

 

That seems excessive and I'm just wondering if I've put the wrong figure in or if anyone else has had success with a claim this size.

 

 

Here's the big question.... Is 24.9% the right figure? I'm told it was but have no proof, and there's no interest figures on the monthly statements. Does anyone know if this is the correct interest rate and if I should be claiming this contractual rate of compound interest?

 

 

Any pointers would be great.

 

 

Many thanks in advance

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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  • 4 years later...

Hi Everyone.

With the deadline for claiming PPI coming up I thought I better make one last attempt.

 

Couple of quick questions though..

 

1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again?

 

2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing.

 

That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?

 

Many thanks for any advice/ help

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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stuff silly reclaimers they take +35% and no it doesn't meet the deadline

no harm in going to the RBS website and starting a claim.. you never know

simply put the number of the card in and say you think you had ppi please investigate.

say nothing more

 

they can only refuse you, but comeback here with what they say.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks. So, just to be clear, do I have to actually make the complaint before the 29th or is the fact i'm enquiring enough?

 

The reason I ask is that some websites seem to have a "make a complaint" option and others just have a "find out if you had PPI" option.

 

ps, I seem to remember you from waayyyyyy back??

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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no idea go ask them on the phone.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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