ppi reclaim via vanquis credit card company

LauraLeah91104

i have a vanquis credit card with a stupidly high apr (got it only to re-build my credit score), i had the 'ppi' as i was lead to believe that if something happened to my job, or i had to take a period of leave, then my ppi would cover. when i went on maternity i was on a lower pay, and although this didnt affect my ability to make the repayments i rang them for something totally unrelated and jst happened to mention that i was on maternity leave.
The women i was speaking to told me that i had this cover and been on maternity was a valid reason to activate the claim, thus meaning i would have to continue making payments for 9 months.
So i did, i claimed and thought no more about it apart from thinking 'get in'! thats saved me a few qid each momth.
But because the ppi was activated i was informed that i wouldnt be recieving statements as the account was 'frozen' and the payments would be taken care of by the company.
It wasnt until i retured back to work that i rang vanquis to inform them that i was able to resume making regular payments to my account and to cancel the ppi claim.
Within a few days i received my latest statement and to my horror my balance was several hundred pounds over my limit and i knew i hadn't spend any on it as that was part of the ppi claim deal, i wasn't allowed to use the card whilst the claim was active.
I rang them to enquire the balance and i was informed that the ppi wasn't in actual fact worth the ink printed on the statements.
Basically what i was paying for each month was not a payment protection insurance, all it was was literally a 9 month payment break where you don't pay them anything, but each month they add the normal interest and £12 a month over limit fee. at no point during my maternity leave did they phone me to inform me that my account was overdue, so obviously im bitter that i was mis-informed and ive wasted money. Its safe to say that i cancelled the monthly add on to my credit card to pay for this privilidge, and ive seen all of the tv adverts regarding ppi, do you trusty MSE readers believe i have a decent case for re-claiming my ppi claim, and if so can anyone reccommend a company to do this on my behalf as i did the bank charges myself and that took years and never got a bloody penny!

thanks to all who read and or reply.

amersall

All you have to do is look here for reasons for mis sell

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

If any/all apply to you then make a claim.

Vanquis Visa Card
Customer Services
PO Box 399
Chatham
ME4 4WQ
0871 770 5555.

That is all there is to it and you keep all the redress if you win.

You could use a company and pay the % they will take if you win, but they cannot make a claim come to a conclusion any faster than Vanquis can do it.