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    • Gettingtherequickly
    • By Gettingtherequickly 17th Jul 17, 11:12 AM
    • 3,435Posts
    • 14,704Thanks
    Gettingtherequickly
    Reclaiming PPI from AIB credit card
    • #1
    • 17th Jul 17, 11:12 AM
    Reclaiming PPI from AIB credit card 17th Jul 17 at 11:12 AM
    Hi

    I applied to the AIB to reclaim the PPI I believed I wrongly paid on my credit card. They basically told me to get stuffed, which to my shame, I did

    I know I got the card in about 1995. I was clearing some paperwork at the weekend and found some old credit card statements from 1999/2000 from them, which clearly shows PPI. Am I within my rights to start my claim again. If I remember my dates correctly, my card was probably issued in the period that PPI was added automatically, but I may be wrong.

    TIA
    Did my LBM in reverseFinally debt free with money in the bank!

    I know I am getting old, but there is no need for my consultant to age me by another 10 years 😉
Page 1
    • zx81
    • By zx81 17th Jul 17, 11:17 AM
    • 13,181 Posts
    • 13,493 Thanks
    zx81
    • #2
    • 17th Jul 17, 11:17 AM
    • #2
    • 17th Jul 17, 11:17 AM
    What was the reason they told you to get stuffed? Presumably because it was pre regulation?

    If so, that won't have changed.

    You also only get one complaint.
    • Moneyineptitude
    • By Moneyineptitude 17th Jul 17, 11:24 AM
    • 19,285 Posts
    • 9,388 Thanks
    Moneyineptitude
    • #3
    • 17th Jul 17, 11:24 AM
    • #3
    • 17th Jul 17, 11:24 AM
    Unless the Bank rejected your original complaint on the basis that they had no record of you paying PPI, submitting paperwork you've found will not cause the Bank to re-open a closed complaint. If the original complaint was rejected for any other reason, you cannot simply go on complaining.

    Incidentally, PPI was not added "automatically" during any period. It's myth sponsored by Claim Companies that PPI was routinely added to loans, credit cards and mortgages without the knowledge and permission of the customer. As you've discovered, PPI was itemised each month on a separate line of your statement so it wasn't "hidden" without your knowledge.
    • Gettingtherequickly
    • By Gettingtherequickly 17th Jul 17, 11:34 AM
    • 3,435 Posts
    • 14,704 Thanks
    Gettingtherequickly
    • #4
    • 17th Jul 17, 11:34 AM
    • #4
    • 17th Jul 17, 11:34 AM
    Unless the Bank rejected your original complaint on the basis that they had no record of you paying PPI, submitting paperwork you've found will not cause the Bank to re-open a closed complaint. If the original complaint was rejected for any other reason, you cannot simply go on complaining.
    Originally posted by Moneyineptitude
    It was on the basis that it was so old (card cancelled about 2007), they no longer had the records. At the time I applied initially, I simply had the account number, so had no way of confirming that I had been paying PPI.
    Did my LBM in reverseFinally debt free with money in the bank!

    I know I am getting old, but there is no need for my consultant to age me by another 10 years 😉
    • Moneyineptitude
    • By Moneyineptitude 17th Jul 17, 11:43 AM
    • 19,285 Posts
    • 9,388 Thanks
    Moneyineptitude
    • #5
    • 17th Jul 17, 11:43 AM
    • #5
    • 17th Jul 17, 11:43 AM
    It was on the basis that it was so old (card cancelled about 2007), they no longer had the records. At the time I applied initially, I simply had the account number, so had no way of confirming that I had been paying PPI.
    Originally posted by Gettingtherequickly
    Well then submit as many copy statements as you can find and ask them to reconsider your complaint. Do not accuse them of adding the PPI "automatically".
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