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Claiming Argos Card PPI


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After several year's absence I'm back

 

 

as agreeing to a PPI claims company searching

they discovered several accounts of different persuasions which they said had PPI on it!!!!

 

 

I certainly don't remember agreeing to this by banks etc at the time

 

 

but my problem is that 2 of these accounts were mortgages and as the last one was paid off in full back in 2012

 

 

can I ask for my money back without any account numbers?

 

Can someone point me to the correct information section as I had problems just locating the letters section to reclaim late payment fees - must be my age................ Thanks in advance

 

 

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cancel the CMC contract first or else they'll want a slice.

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 wouldnt be giving them the chance to try

write and cacel any notional contract that they think might exist.

 

we've also seen that when you do get PPI back

it turns out that the CMC put a marker with the bank sayin they are joint clients in any claim

and the banks then write to them as well if they cough up.

 

 

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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wow, thanks for that and doing some reading today I will be sending SAR to whatever companies possible owe me money. Then read up on just what I am going to claim with interest. Best to assume this is going to take a few months even when information is supplied I suppose.

 

 

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  • 2 months later...

Blimey talk about not getting on with this. Sent letter cancelling any contract with that company but I can't find the template letter to send to the companies to reclaim my PPI. Can someone point me in the right direction please.

 

 

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so you have all the statements now

and have done your spreadsheets?

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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No, bit dim today and I couldn't find the actual SAR letter. Somehow I hit on it and now sending at least 3 letters so finding the spreadsheets will probably be a difficulty so perhaps I should spend time just looking around the website. Thanks for the response.

 

 

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Thank you.

Information as arrived from Aos

- how do I identify the PPI payments?

 

 

My application shows they ticked 'yes' for PPI but I only signed the application form and they filled it in so is my defence that it was not explained properly to me.

 

 

It also shows I cancelled the PPI and thety started it again on the same day 18 months later.

 

In the week I had a phone call from the PPI reclaim company and they said they didn't receive my manual letter cancelling my contract and was I sure I wanted to cancel which I have now done verbally. Should I send manual letter again just to be safe.

 

 

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AOS?

 

 

yes resend the letter get proof of posting from PO counter.

 

 

the statements should show monthly PPI payments

pop those in the statint spread

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

so you now have the statements?

 

 

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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  • 2 months later...

Oh struth - I'm being all stupid again as I can't find the template letters to send prelim letter

- can anyone give me a link.

 

 

Are they really going to cough up as charges were under £100 and with 8% interest my claim is in excess of £3000

- such a long time ago the PPI was added to my account.

 

 

My account was never in credit till after the PPI was ended so just used the simple spreadsheet no 2

 

 

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is the card still active then

I thought you said it was closed in 2012?

if so then you cant use the CISHEET passed the date they stopped intererest

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

use the statint spready then.

 

 

you don't need a covering letter

you need to fill out the FOS customer Questionnaire in the stickies here

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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Purservance is a wonderful thing - I just use the credit/store card letter right as there dosen't seem to be one for PPI. With end date of 2003 not claiming much then. thanks for putting me right.

 

 

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stupid to use a charges reclaim letter for PPI.

USE THE FOS CQ....

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

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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you are using the wrong spreadsheet use the statint sheet in andy's link.

 

 

you leave the claimto date ALONE!!

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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