About to start the PPI/ Credit Card Journey of reclaiming funds

samtoby

Good afternoon....

I am new to all this and after some time I have decided I am going to look into my accounts to see if I have any grounds to apply for charges back.

I do not think I had PPI on anything but I am going to look into everything. Just in case!

After 87k yes....87k of debt... I have £3000 left with Un- welcome finance. I thought I had paid it all off but clearly not.....

So my credit cards I am going to try and get charges back on are:

Llyods TSB highest balance £4.5k
Barclaycard highest balance 4.4k
RBS Mint higest balance 1.7k
MBNA £1.5k

I will post my journey....I have sent the first template to Barclaycard and MBNA today! So here goes.....wish me luck!

Samantha 26 and NEARLY DEBT FREE!:j

cerica72

samtoby wrote: »

Good afternoon....

I am new to all this and after some time I have decided I am going to look into my accounts to see if I have any grounds to apply for charges back.

I do not think I had PPI on anything but I am going to look into everything. Just in case!

After 87k yes....87k of debt... I have £3000 left with Un- welcome finance. I thought I had paid it all off but clearly not.....

So my credit cards I am going to try and get charges back on are:

Llyods TSB highest balance £4.5k
Barclaycard highest balance 4.4k
RBS Mint higest balance 1.7k
MBNA £1.5k

I will post my journey....I have sent the first template to Barclaycard and MBNA today! So here goes.....wish me luck!

Samantha 26 and NEARLY DEBT FREE!:j

Hi Samtoby

I sent my first template also to vanquis visa card so i hope to hear from them, I have searched on here regarding successful missold ppi claims and charges but only found one that has paid out, I had a card with them back in 2008, so fingers crossed. I wish you luck in yours 2.

samtoby

I am ever hopeful that it will work. I could do with some pennies!

I think I have nothing to loose; if it works it works if it doesn't it doesn't! Let me know how you get on Samantha

cerica72

samtoby wrote: »

I am ever hopeful that it will work. I could do with some pennies!

I think I have nothing to loose; if it works it works if it doesn't it doesn't! Let me know how you get on Samantha

I will do samantha and thanks, I heard from Vanquis today saying they have received my complaint and have 56 days to respond!!!! I only sent the letter on Monday 5th December.

samtoby

cerica72 wrote: »

I will do samantha and thanks, I heard from Vanquis today saying they have received my complaint and have 56 days to respond!!!! I only sent the letter on Monday 5th December.

I'm sure by Law they only have 40 days and then you can step it up?:mad: How frustrating x

cerica72

samtoby wrote: »

I'm sure by Law they only have 40 days and then you can step it up?:mad: How frustrating x

Hi Sam

I think its their way of saying we will respond in our time and not yours!!!! i did get the template from this site so I dont see that Martin would create a template with the 40days by law if it wasnt correct!!!

I know 35 days and counting lol xx

camuk81

Can I ask a very silly question I have some cards which have been closed a number of years can you get a break down of the costs before proceeding to find out if you can claim. I know companies will offer to do it but I'm a complete novice and would rather keep all the monies then paying it out to someone else!

cerica72

camuk81 wrote: »

Can I ask a very silly question I have some cards which have been closed a number of years can you get a break down of the costs before proceeding to find out if you can claim. I know companies will offer to do it but I'm a complete novice and would rather keep all the monies then paying it out to someone else!

Hi Camuk81

I closed my account with vanquis visa a number of years ago and used the template on here regarding ppi claim and charges, so yes in answer to your question, you will need the template that asks for all the charges applied to your account.

Good luck

samtoby

cerica72 wrote: »

Hi Sam

I think its their way of saying we will respond in our time and not yours!!!! i did get the template from this site so I dont see that Martin would create a template with the 40days by law if it wasnt correct!!!

I know 35 days and counting lol xx

I'm so impatient I want a reply now! Because I wrote to MBNA I've shut my card I reckon they would shut it anyway. x :rotfl:

cerica72

samtoby wrote: »

I'm so impatient I want a reply now! Because I wrote to MBNA I've shut my card I reckon they would shut it anyway. x :rotfl:

I know me too ... i want to hear from welcome finance i dont wanna ring though to be given any bad news ..... but i guess they say no news is good news x

r_chan

Hi, I am under going PPI claims through 'Claims Advisory Group' and want to check this is not a dogy company. I have tried looking online for reviews etc but thought this site might help me decide. Just received a letter indicating I am entitled to a refund a good amount too. They mention in their letter that this can be transferred into their account or my own. On the form my account details are listed. I would ask my bank for advise but of course I think they maybe bias as this is the bank where I got my loan with PPI payments in the first place. To sign or not to sign, help?

Kind regards,

Ros.