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Hello fellow Caggers my question concerns PPI on an American Express credit card, does anyone know what this appeared as on the monthly statement?

I have some old statements from 2004 which states "Creditors Insurance Premium" could this be PPI? TIA

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Thanks fkofilee I thought it most probably was, no point in asking Amex they said they have no records of me, lucky I have the member no. and old statements!

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Use the FCA/fos websites and forms

Don't just ring or write a simple letter

Nor use resolver


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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Thank you dx100uk I was gonna move straight to SAR to find out exactly what they do have on file, on a seperate note the account was closed in 2007 and I have a letter stating my account at that time was £30 in credit for which I have never been paid, perhaps it will jog there memory when I show them the letter.

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amex is usually pretty good on sar,

but it might end with you sending copies of all stuff you have with you fos questionnaire


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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Should I forward any copies of my paperwork to Amex first or wait for their final response and move straight to FOS?

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that's not what I said to do


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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I just clicked on the FOS link which really doesn't paint a very good picture of them and now I am mindful that it said I will first of all need to have exhausted the banks process, TIA

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correct but you still use the fos questionnaire and send it to amex


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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Hello fellow Caggers just an update on my case of PPI with Amex,

 

my SAR paperwork arrived very comprehensive and all the way back to 2007,

Amex clearly stated I did not have PPI even though it appears on some old statements I already had.

 

The SAR also showed a negative balance for a small amount that goes back years and is still with AMEX.

 

I'm interested if anyone else has been in the same position and had a negative balance on an old card that has only just come to light.

TIA

Edited by dx100uk
spacing

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can you scan some examples up to ONE multipage pdf please

 

read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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Hi Guys, new to this! . Does anyone have further information regarding the Associates Credit card , and who to contact regarding mis-sold p.p.i. Thank You

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CITI Card Canadian square operations.

start your own thead please

 

a new thread


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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Hi Caggers

I recently sent a SAR to AMEX chasing PPI I had with them,

 

when all the statements came back it also shows I have a small amount I must have overpaid to them back in 2004.

 

I don't use the card any more and have never had a cheque for the balance I'm owed,

 

they continued to send statements to my old address even though I gave them a new address.

 

Anyone else found themselves in the same situation? TIA

Edited by dx100uk
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Well if you overpaid them then you should claim it back. Was there any PPI?


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I will be claiming it back, are they liable for interest x 14 years?

There is a small amount i paid in PPI, they claim I never paid any although I can prove otherwise plus the excessive charges for late fees etc.

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only 8% statint


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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As stated above, in respect of the overpayment you will only get eight percent.

 

In respect of PPI, you should be able to recover that plus interest +8%

in respect of the charges you should be able to recover them, plus interest +8%


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Thanks BankFodder/dx100uk I didn't know about the 8% statint so that's good, not as good as the 1.2% daily interest AMEX charge when you owe them lol. All up I could probably be asking them for couple hundred £, will keep you updated thanks.

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