PPI Reclaiming Discussion part 4

di3004

boycey01 wrote: »

Yes it sure does! Thats an idea, I will include that in my next email, as i'm sure i'll be sending another one very soon!

Although like you say, hopefully it will be the last time I have to chase them up!

Cool, good for you.:T:T
Email them back tonight and say you just emailed them in regards of your PPI query and you just want to add that you will only accept correspondence in writing only either by email or your home address......prefably email.

They will be thinking "oh no another email, quick lets get them done with!:eek::rotfl::rotfl::D

katylou5859

Hi Thank you for your reply and help so far. The card was first issued with Assoicaties who then changed to Citi cards and last year it was taken over by Opus. The account is still active as I still have an account open with Opus on this card and still use it.
Would Opus still have this original agreement? Should I send another letter requesting a copy of original agreement?
I have been reading on here about people having difficulty trying to get information from Opus about there previous agreements with Citi.

mr_blueskys

di3004 wrote: »

thanks for your reply have sent another letter hope for the best

di3004

katylou5859 wrote: »

Hi Thank you for your reply and help so far. The card was first issued with Assoicaties who then changed to Citi cards and last year it was taken over by Opus. The account is still active as I still have an account open with Opus on this card and still use it.
Would Opus still have this original agreement? Should I send another letter requesting a copy of original agreement?
I have been reading on here about people having difficulty trying to get information from Opus about there previous agreements with Citi.

Hiya, your welcome

Yes that maybe worth a shot its up to you of course, I did come across some details of OPUS below and assume its the same business.
http://www.opuscard.co.uk/contact-us.aspx

Any problems, maybe the Information Commissioners Office (ICO) can advise on data issues, there is a contact for these below, I do suggest ringing them for a quicker method though as they may take some time to get back by email.
https://www.ico.gov.uk/Global/contact_us.aspx

When you write to ask for a copy of your agreement, just write a simple request.
Ask that they provide you with a copy of your agreement by 12 days (enclose account number) if you have this or as many as your personal details as possible if no account number).

(However as you already provided the payment the last time, maybe you should just tell them they have already received the payment, and you just require the copy of your agreement in relation to that account.

Good luck this time round.;)

di3004

mr_blueskys wrote: »

di3004 wrote: »

thanks for your reply have sent another letter hope for the best

Fingers crossed, please keep us posted, and ask for further help if required.;)

katylou5859

Hi Thanks again. I will do that and send a short letter, will let you know the outcome.
It is so confusing knowing were to start, found this forum very interesting to read and helpful.

di3004

katylou5859 wrote: »

Hi Thanks again. I will do that and send a short letter, will let you know the outcome.
It is so confusing knowing were to start, found this forum very interesting to read and helpful.

Not a problem hun, you keep at them, and let us know if any issues arise and we shall take it from there, and please keep us posted, good luck.
Yes it is a very good and useful forum.;)

Mattysm

Hi, I've been reading the forums and have tonight filled in my first questionnaire to see how it goes. Just wondered if you folks reckon I have a valid complaint? I have had a Halifax credit card since 2004 and daftly have been paying ppi on it. It always bugged me but I assumed it was condition of getting card. can't remember ever asking for ppi but got copy of application form where I have signed for card and it says I requested ppi. I have put on form that I can't recollect this either way. Thing is my job pays great sick and redundancy package. Halifax have given me a copy of terms and condition of account and the repayment cover conditions follow on the copy. It reads like its all one. It says we can cancel the agreement at any time but it reads like the whole agreement, not just the repayment cover if we decided we didn't want it? Not sure I'm making myself clear here. I feel we were missold because even if we had got copy of the conditions etc then on reading had we decided the policy was no good to us that the t&c did not make clear that we could cancel the ppi and continue with the credit card. Truth is I thought it was connected to the card but feel stupid now having paid it all these years. I honestly think if we'd read the exclusions and known that we could have cancelled the ppi and kept the cc account then we would have done. Can't say I was wrongly advised or pressured into it etc as I can't remember application. My complaint is not as obvious as others here probably due to my useless memory , I have had to put can't remember for a few answers but anyway I was just curious to see what you experienced posters thought? Should I be hopeful or save myself the postage and not bother sending it? I reckon I could've paid about 2000 over the years

Thanks for all your advice here, even if I don't have grounds for complaint you have taught me to be more careful and saved me 300 this year as I have just cancelled the ppi.

cappo

Mattysm wrote: »

Hi, I've been reading the forums and have tonight filled in my first questionnaire to see how it goes. Just wondered if you folks reckon I have a valid complaint? I have had a Halifax credit card since 2004 and daftly have been paying ppi on it. It always bugged me but I assumed it was condition of getting card. can't remember ever asking for ppi but got copy of application form where I have signed for card and it says I requested ppi. I have put on form that I can't recollect this either way. Thing is my job pays great sick and redundancy package. Halifax have given me a copy of terms and condition of account and the repayment cover conditions follow on the copy. It reads like its all one. It says we can cancel the agreement at any time but it reads like the whole agreement, not just the repayment cover if we decided we didn't want it? Not sure I'm making myself clear here. I feel we were missold because even if we had got copy of the conditions etc then on reading had we decided the policy was no good to us that the t&c did not make clear that we could cancel the ppi and continue with the credit card. Truth is I thought it was connected to the card but feel stupid now having paid it all these years. I honestly think if we'd read the exclusions and known that we could have cancelled the ppi and kept the cc account then we would have done. Can't say I was wrongly advised or pressured into it etc as I can't remember application. My complaint is not as obvious as others here probably due to my useless memory , I have had to put can't remember for a few answers but anyway I was just curious to see what you experienced posters thought? Should I be hopeful or save myself the postage and not bother sending it? I reckon I could've paid about 2000 over the years

Thanks for all your advice here, even if I don't have grounds for complaint you have taught me to be more careful and saved me 300 this year as I have just cancelled the ppi.

Hi matty it still sounds as if you have grounds for a claim credit cards are not quite as straightforward as claiming for missold on loans i have 3 in, two got rejected as being non advised sales the onus is on you to prove why the ppi was unsuitable as Di says it,s only a stamp though,put it in and see what happens they can only say no

h0pusp0pus

morning everyone well a letter from egg this morning but its not alot of good to me lol

dear mr baker

im am writing to update you regarding our investigations as it has been four weeks since we received your complaint

we are currently working with other departments to enable us to progress your complaint.

in the mean time if you wish yo discuss your complaint further please contact us with the details provided

as stated previously stated iof we are unable to resolve your complaint to your satisfaction with in 8 weeks of receipt we will contact you again and explain why

thank you for your continued patience

mmm more stalling tactics oh how i envy the people that have had a refund with out problem lol