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Hello

 

I have been searching through other threads to try and establish whether or not I had PPI with a Tesco Credit Card. I sent them a SAR earlier this year and I received statements from 2003 through to July 2006 in return.

 

I wrote to them again and I have since received a further batch of statements covering 2001 and 2002. However they do not cover from when I first opened the account.

 

From July 2005 the account held a zero balance. There is nothing contained within the statements to suggest I was paying PPI although am I correct in thinking if I were it probably was hidden in the interest each month? IF I have a genuine claim for PPI which spreadsheet should I use to calculate as my statements do not cover my whole period I had the Credit Card.

 

Also, there was a few late payments fees I found in the statements. Am i still able to claim these back considering the length of time these were charged?

 

Many thanks in advance

 

Dagenham Dave

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PPI would be called something else and listed seperatly. Theyd have to itemise it for tax/vat/audit reasons etc. Tesco wouldnt hide it in interest and not declare it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you for your reply. Does this mean I was most likely not paying PPI? There was no CCA within all the paraphernalia I received back from Barclay. I don't even recall whether I applied for the card online or by post

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Youd have to request the CCA separately with the £1 statutory payment.

 

It is very unlikely you paid PPI, but triplecheck the paperwork carefully.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok, thank you renegadeimp. I will do that but didn't realise you could on closed accounts. Would i still be able to claim back the charges even though they're small?

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you cant CCA as the agreement is done.

 

 

dx


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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

spreadsheets 

 

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