Tesco Credit Card

[Dagenham Dave]

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

[renegadeimp]

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.

[Dagenham Dave]

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

[renegadeimp]

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

 

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

[Dagenham Dave]

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?

[dx100uk]

you cant CCA as the agreement is done.

 

 

dx