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M & S Chargecard / Credit Card PPI ***settlement £11k+***


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http://www.consumeractiongroup.co.uk/forum/showthread.php?372608-Sigma-SPV1-Ltd-court-claim-form-for-M-amp-S-store-credit-card***Discontinued**

My thread above shows my journey with M & S chargecard/credit card which is statute barred and also the claimants discontinued.

 

I believe I paid PPI on this : the amount being substantial (would need to retrieve SAR request documents statements in storage to be certain) . I think discussion was along the lines we would claim back PPI if it went to court... (have had a house move and family crisis since then)

 

What would be the situation if I tried to claim back PPI if paid on this given there is a discontinued claim?? I,ve just treated is as "don't go there..."

 

thanks : have had some successes with PPI previously (YB, EGG) with the help of this forum.

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cant harm you

 

you do it.

 

you might get something back.

 

at the end of the day.

these PPI premiums were actually 'paid' by you

so I see no reason why they should not be refunded

as M&S do with many claims.

 

the fact that the debt is state barred, nor the fact that there is a discontinued claim by a fleecer

should make no diff to your outcome.

 

the major factor here is M&S has sold all its rights to the debt

so it should goto your pocket

 

dx

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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retreived the documents :

 

 

have notice of assignment (sold to SIGMA) this was over £11k and some months paid £70+ in PPI.

 

 

Really interesting stuff in the SAR documents

ie log of powerdialling calling us on a daily basis etc.

 

 

Interesting that the application form from late 1980's asks to tick the box if you DON'T want the ppi

so probably bought it without realising at the time.

 

Spreadsheets to the ready!! Thanks

cant harm you

 

 

you do it.

 

 

you might get something back.

 

 

at the end of the day.

these PPI premiums were actually 'paid' by you

so I see no reason why they should not be refunded

as M&S do with many claims.

 

 

the fact that the debt is state barred, nor the fact that there is a discontinued claim by a fleecer

should make no diff to your outcome.

 

 

the major factor here is M&S has sold all its rights to the debt

so it should goto your pocket.

 

 

dx

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aha well that tickbox thing will win the claim hands down.

 

 

dx

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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as a side issue

 

 

would be useful to scan that up for reference for other M&S card claims.

 

 

follow the upload

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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I will do that (probably tomorrow) it was uploaded previously on my old M & S thread but can't find the thread now.... thanks as always for the help

 

as a side issue

 

 

would be useful to scan that up for reference for other M&S card claims.

 

 

follow the upload

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THANKS : I have worked out using spreadsheets (same as my YB claim almost) and with the statements that I have from SAR request (Nov 2003 to June 2008) the total is £8k including the 8% simple interest. Had difficulty finding an APR as the statements are archive printouts from SAR request and doesn't show monthly interest or annual so I've had to use the last APR for purchasesI have from an actual statement (normally would work out an average so could be slightly inflated) The original chargecard was taken out in January 1989 . lets see (again)

cant harm you

 

you do it.

 

you might get something back.

 

at the end of the day.

these PPI premiums were actually 'paid' by you

so I see no reason why they should not be refunded

as M&S do with many claims.

 

the fact that the debt is state barred, nor the fact that there is a discontinued claim by a fleecer

should make no diff to your outcome.

 

the major factor here is M&S has sold all its rights to the debt

so it should goto your pocket

 

dx

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hi again : there is a copy of the original Chargecard application at post #112 on thread http://www.consumeractiongroup.co.uk/forum/showthread.php?372608-Sigma-SPV1-Ltd-court-claim-form-for-M-amp-S-store-credit-card***Discontinued**/page6 you can just see the box in top right corner asking to tick if Chargecard Protection NOT required. I hope this helps

as a side issue

 

 

would be useful to scan that up for reference for other M&S card claims.

 

 

follow the upload

Edited by cleo4patra
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cant view that its blurred

have you still got the docs?

 

 

dx

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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Share on other sites

can you follow the upload

and pop them back up

those scans are useless

 

 

to pdf please

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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i'll try but my scanners not working : will have to be a photo.

 

incidentally is the tick box issue the main point of claim?

 

kind regards

can you follow the upload

and pop them back up

those scans are useless

 

 

to pdf please

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hopefully this is it : the copy is not clear to start with and it has some marks from when they've written/stamped on it but you can just make out the box on the top right "Payment Protection. Premium rate 64p per £100 of the outstanding balance : See over for condition 8 . Tick box if you do NOT require Chargecard protection."

CCA PPI.pdf

Edited by cleo4patra
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yep perfect box not ticked

PPI by default

 

 

and the rest filled in by someone else

 

 

'sign here please sir'

 

 

 

 

dx

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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Share on other sites

thanks : we filled this in in the store when approached by staff member : very busy and we had two small children with us. No privacy/explanations etc

yep perfect box not ticked

PPI by default

 

 

and the rest filled in by someone else

 

 

'sign here please sir'

 

 

 

 

dx

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button-holed. simply for the PPI commission gained by the bod selling it to you

 

 

dx

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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Share on other sites

you can see from my other M & S thread we had a lot of grief with this.

 

 

I just need to ask this was originally a Chargecard subsequently changed to a Credit Card (hence court claim discontinued)

 

 

I only have account number/details for the credit card but the chargecard goes way back to 1989.

 

 

I can't find the original account number .

 

 

My claim is ready to submit apart from this account number query.

 

 

Is it best I write chargecard / and then the new account number? many thanks

 

 

button-holed. simply for the PPI commission gained by the bod selling it to you

 

 

dx

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shouldn't matter.

 

 

they know full well what happened to their cards.

 

 

just make sure you get you data right.

 

 

and theres no harm in popping say scans of all the statements you have on a CD or DVD in PDF format.

 

 

I've done 2 M&S cards for locals to me

one went through no issues as it only ran from the CC era

 

 

but the other was a converted chargecard, and M&S stated time and again they had no data from the era.

 

 

so I sent them every statement

[which came from them some 18mts pervious via an sar!!..checeky beggars!! denied they now had the data as outside of retention period etc etc ]

 

 

they then tried to claim that my interest calcs were wrong,

claiming the credit card period fwd was the int rate to apply]

whereby to be truthful

when it was a charge card, the int was some 38.6%

 

 

they coughed in the end, lost about £250 from spread that was all

 

 

the card I think was from 1994

 

 

I might still have data on what I did/sent but that will be in an old backup somewhere

on my remote server, and being in Scotland, I bet that's rather water logged !!

 

 

see how yo go

 

 

dx

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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Share on other sites

I've done the best I can using the statements from the SAR which only covers the chargecard period and using the last APR interest rate I have which is 23.95% so I reckon would be a good average over the long time period. We can only see what happens here.... as always I appreciate your input

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just thinking (and it's hard work!!) my SAR is from March 2009 when I was being chased for alleged debt. Is it worth me sending another SAR... might have more info/not as the case may be or could just be the same 5 and a bit years they sent me then. Hasn't there been some rule change about record retention and microfiche etc...? thanks again

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no but there no harm in specifically asking for statements for that chargecard period

even if they might be in an archive

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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Share on other sites

no harm at all - totally up to you.

 

 

dx

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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