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  • FIRST POST
    • sanova76
    • By sanova76 9th Sep 17, 11:16 PM
    • 57Posts
    • 5Thanks
    sanova76
    PPI for zero balance?
    • #1
    • 9th Sep 17, 11:16 PM
    PPI for zero balance? 9th Sep 17 at 11:16 PM
    Hi,


    Not sure if I post in right thread.


    I recently lost my job and try to sort out my budget. I always pay my CC in full every month. I used it once this month and immediately pay it so the balance is 0. I thought if my balance is 0, I won't get charged for ppi?

    I've paid prev month balance. Then used it on the 4th sept, paid it on the 6th, the online statement shows balance is 0. Check my online statement today and it shows I've been charged 0.79 for ppi on the 8th sept?

    Please advise.

    Many thanks.

    San
Page 1
    • jonesMUFCforever
    • By jonesMUFCforever 10th Sep 17, 12:32 AM
    • 23,983 Posts
    • 11,293 Thanks
    jonesMUFCforever
    • #2
    • 10th Sep 17, 12:32 AM
    • #2
    • 10th Sep 17, 12:32 AM
    Does it cover you for redundancy?
    If so make a claim.
    What goes around - comes around
    give lots and you will always receive lots
    • sanova76
    • By sanova76 10th Sep 17, 9:14 AM
    • 57 Posts
    • 5 Thanks
    sanova76
    • #3
    • 10th Sep 17, 9:14 AM
    • #3
    • 10th Sep 17, 9:14 AM
    To make a claim I need to be on jsa and update them monthly that i've applied min 3 jobs. I think it's easier and cheaper for me to pay 79p instead of sending all those papers every month.

    So does it mean I will still get charged ppi even my balance is 0?
    • Moneyineptitude
    • By Moneyineptitude 10th Sep 17, 9:44 AM
    • 19,285 Posts
    • 9,392 Thanks
    Moneyineptitude
    • #4
    • 10th Sep 17, 9:44 AM
    • #4
    • 10th Sep 17, 9:44 AM
    So does it mean I will still get charged ppi even my balance is 0?
    Originally posted by sanova76
    You shouldn't be charged PPI on a zero balance unless you didn't pay off the bill in time. If your account showed a balance at the time the PPI was applied then the charge is correct.
    • jonesMUFCforever
    • By jonesMUFCforever 10th Sep 17, 1:04 PM
    • 23,983 Posts
    • 11,293 Thanks
    jonesMUFCforever
    • #5
    • 10th Sep 17, 1:04 PM
    • #5
    • 10th Sep 17, 1:04 PM
    To make a claim I need to be on jsa and update them monthly that i've applied min 3 jobs. I think it's easier and cheaper for me to pay 79p instead of sending all those papers every month.

    So does it mean I will still get charged ppi even my balance is 0?
    Originally posted by sanova76
    How strange!
    You are paying for nothing then are you not?
    What goes around - comes around
    give lots and you will always receive lots
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