Do all Credit cards have PPI?

pinkdragon4711

Hi there - I have had a number of credit cards over the years - most recently EGG, Capitol One,Morgan Stanley (which was taken over by Barclaycard) and Halifax. I had a Lloyds platinum and a RBS as well but no where on the statements I have for these two cards does it mention PPI at all. All cards have been paid off last year after being on a payment plan through CCCS (brilliant folk) for the last four years.
My question is, do all cards have this charged?
I have confirmation from EGG that they did charge it, but when I asked them for copies of the statements for the charges they have politely 'declined' stating as the card is fully cleared they have no obligation to provide the information and they returned my cheque payment for the information too, uncashed.
I have claimed PPI on Lloyds Loans and that has been successful (just waiting for the payment now ...) but not sure if I am able to pursue on the cards as well as some I have no paperwork for at all now, and others (egg) have sidestepped the issue... Thanks.

magpiecottage

No - not all cards have PPI on them.

Egg are correct that they are not required to provide information on a closed account unless you make a Data Subject Access Request for which they can charge you £10 and provide everything about you that a reasonably competent temp could be expected to find.

If that happens it may, or may not, show that you had PPI. If you are claiming you did not know about it they would probably be able to argue it showed on your statement for many years so you should have complained at the time and timebar it.

Even if that is not the case they may simply be able to defend it on the basis that they complied with the rules as they stood at the time.

Finally, the fact that you were on a payment plan means they probably wrote off part of your debt - even if it was only interest. If they uphold the complaint any redress is likely to be used to repay that before they give you any money.

I have to say that if they have forgiven you part of your debt to them it seems somewhat churlish to then expect them to pay redress for an error that they may, or may not have made.

pinkdragon4711

thank you - it was a general query as the only card that had mentioned PPI was Egg and that was when I terminated the card myself. ALL my debt is paid but I appreciate what you say about paying off any outstanding debt if a refund was applicable, I would expect no less.
As PPI is something I would NOT have taken out anyway, it peaked my interest when credit cards are mentioned and quite a number of posters' say that the agree box was already pre-ticked or that they weren't even aware it was being applied.

dunstonh

As PPI is something I would NOT have taken out anyway, it peaked my interest when credit cards are mentioned and quite a number of posters' say that the agree box was already pre-ticked or that they weren't even aware it was being applied.

Wouldnt you have queried the "unknown" monthly payment of PPI on each statement though if you had taken it without realising?