Am I entitled to claim back missold PPI on my credit card

Foxy123_3

The thing is PPI is about being protected if I become unemployed right?
I have been paying PPI on my credit card since I got it November 2000. I was not then or now employed. I am a house wife and have a joint bank account with my husband. Have I got a claim?

marshallka

Foxy123 wrote: »

The thing is PPI is about being protected if I become unemployed right?
I have been paying PPI on my credit card since I got it November 2000. I was not then or now employed. I am a house wife and have a joint bank account with my husband. Have I got a claim?

Yes if this was worthless to you.

Just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck

di3004

Foxy123 wrote: »

The thing is PPI is about being protected if I become unemployed right?
I have been paying PPI on my credit card since I got it November 2000. I was not then or now employed. I am a house wife and have a joint bank account with my husband. Have I got a claim?

Hi there

Check out the link Marshallka posted for you.

I was in the same situation as yourself, with Lloyds TSB now the case is looking good as the FOS have agreed to uphold this and now just waiting for lloyds to get back with an answer to this, hopefully they will agree and pay out.

Have you still the copy of the agreement for this?

Good luck.;)