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PPI Reclaiming discussion Part III

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Comments

  • pinknico
    pinknico Posts: 3,261 Forumite
    marshallka wrote: »
    If it were a bank Pinknico then yes I would say (you only just became aware!!) as they would have been part of the Banking Ombudsman Scheme which was around before the new Ombudsman... Who was it with pinknico..;)


    It was Marbles HFC and they have admitted they added it without me asking for it but they say they will only pay 2003.
    DS1 12/10/04
    DS2 13/07/06
    DD1 06/12/07
  • dreamer33
    dreamer33 Posts: 1,475 Forumite
    pinknico wrote: »
    It was Marbles HFC and they have admitted they added it without me asking for it but they say they will only pay 2003.

    Is this bank charges pinknico or PPI?
    :wave:
  • marshallka
    marshallka Posts: 14,585 Forumite
    On bank charges there is no agreement but on a credit card there is:confused:
  • dreamer33
    dreamer33 Posts: 1,475 Forumite
    just popping out back soonxx
    :wave:
  • di3004
    di3004 Posts: 42,579 Forumite
    marshallka wrote: »
    On bank charges there is no agreement but on a credit card there is:confused:

    I don't think so hun, I think this is where 6 years of bank statements come in handy, then its being lucky in going back any further than that....:confused:
    I don't really know how this works TBH....:confused:
    The one and only "Dizzy Di" :D
  • marshallka
    marshallka Posts: 14,585 Forumite
    pinknico wrote: »
    It was Marbles HFC and they have admitted they added it without me asking for it but they say they will only pay 2003.
    Don't know about then Pinknico, if it was added before that on the agreement and they were part of the Banking Ombudsman then perhaps you have a case. I have never heard of them refunding half way through as this is would have been ticked at the time you took the credit card out and to me they should pay back to that time...
  • marshallka
    marshallka Posts: 14,585 Forumite
    di3004 wrote: »
    I don't think so hun, I think this is where 6 years of bank statements come in handy, then its being lucky in going back any further than that....:confused:
    I don't really know how this works TBH....:confused:
    Yeah I understand what you are saying here but bank charges have no tick boxes etc or agreements. They are just put on, whereas the PPI on a credit card is actually on the agreement as a tick box...

    You are actually opted into the PPI at the time of the agreement whereas banks charges are not opted in or out. They are just applied...

    I think Pinknico is entitled to all of these back as these would have been applied because of the agreement just like a loan. If they have admitted they are wrong for the last 6 years then they are most probably wrong for the other years too.
  • pinknico
    pinknico Posts: 3,261 Forumite
    This is PPI and they have admitted it. So I know they have the paperwork.
    I will write back and ask for it all as they havent mentioned the FOS yet and then send it to the FOS if need be. I have nothing to lose.
    DS1 12/10/04
    DS2 13/07/06
    DD1 06/12/07
  • marshallka
    marshallka Posts: 14,585 Forumite
    pinknico wrote: »
    This is PPI and they have admitted it. So I know they have the paperwork.
    I will write back and ask for it all as they havent mentioned the FOS yet and then send it to the FOS if need be. I have nothing to lose.
    I would do that pinknico. I wouldn't say it is like bank charges. I am not a professional and you can do as you please but really hope you get it ALL back.;)
  • oscar52
    oscar52 Posts: 2,272 Forumite
    marshallka wrote: »
    Thats good news for you Oscar...:j :j

    Indeed it is - will clear OD at least
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
This discussion has been closed.
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