Reclaiming credit card ppi

AngryDog

I understand this is harder to do than a loan.
I have had a credit card with PPI on for 12 years. I cannot remember if I requested the card or if it was offered to me as it was all done through the bank i was using at the time. I think it may of been offered to me at around the same time I got my loan from them for a car.

I eventually closed the account, and then reapplied for a card with the same bank, and realised that they had just re-opened my credit card account. I dont think I asked for ppi at the time, but I cannot be sure.

I am sure at the time of taking the credit card originally that I may of felt not pressured, but sort of pushed to take the ppi, but as it was 12 years ago its hard to tell.

I know that I didnt really need it as I was in a stable, fairly well paid job for someone of my age at the time. If I put a claim in and they can prove that I did request it etc, would they be able to take me to court etc? Or would they simply throw my claim out and refuse to pay it

Thanks.

The_Marksman

AngryDog wrote: »

I understand this is harder to do than a loan.
I have had a credit card with PPI on for 12 years. I cannot remember if I requested the card or if it was offered to me as it was all done through the bank i was using at the time. I think it may of been offered to me at around the same time I got my loan from them for a car.

I eventually closed the account, and then reapplied for a card with the same bank, and realised that they had just re-opened my credit card account. I dont think I asked for ppi at the time, but I cannot be sure.

I am sure at the time of taking the credit card originally that I may of felt not pressured, but sort of pushed to take the ppi, but as it was 12 years ago its hard to tell.

I know that I didnt really need it as I was in a stable, fairly well paid job for someone of my age at the time. If I put a claim in and they can prove that I did request it etc, would they be able to take me to court etc? Or would they simply throw my claim out and refuse to pay it

Thanks.

if you feel you were mis-sold and have the reason why you feel mis-sold then make a complaint, if they decide not to up hold your complaint, your complaint will just rejected, no court or jail time for putting a complaint in

You can start a complaint if you have your account number. Its easy to do yourself, so i would avoid a claims company.

You can do the complaint over the phone or via letter form, its up to you

to get you started, Look here for info and reasons for being miss-sold your ppi, Most ppi's were front loaded (loans) which is a big NO NO so go for it!

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2

Once you have had a read though and have your reasons. You will need to fill in a consumer complaints questionnaire. Which I would download, have a read though and familiarise yourself with the questionnaire and its layout. The questionnaire can be found here

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

If it is a complaint for a Credit Card look here also (although almost the same info as above):

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step3

the main info you will need to complete the questionnaire is:

• Loan account number/numbers OR CC account number/ numbers
• start date
• finish date
• and your reasons

also have a read here for even more information:

http://www.financial-ombudsman.org.u...PPI-forms.html

Info for Lloyds:

http://www.lloydstsb.com/payment_pro...complaints.asp

Info for Egg:

http://new.egg.com/visitor/0,,3_112000--View_2418,00.html

Info for Barclays:

http://www.barclays.co.uk/news/PPIinformation/P1242592293882


then complete the form and send it off. If you ring your bank or CC company they may have a ppi complaint line and can start your complaint for you over the phone but id get as much info ready before phoning them. If you start a complaint over the phone, they will ask the reasons why you felt mis-sold so have all the information ready and be prepared.

simples, hope that may help, good luck

AngryDog

Thank you I will have to apply for the exact date I got the Credit Card as I cannot 100% remember.

The_Marksman

AngryDog wrote: »

Thank you I will have to apply for the exact date I got the Credit Card as I cannot 100% remember.

no worries, give the CC company a call when you have all the info and they will find these details for you hopefully

magpiecottage

Sorry but this sounds more like it MIGHT have been missold than it is more likely than not that it was.

They MIGHT refund you but I have to say that it seems unlikely.

AngryDog

Thanks for the responses .

If it wasnt missold then I'll accept that, and thats the reason why I havent persued this even though I've been sitting on the paper work for a while.