PPI & Virgin Credit Card Debt

chocolate48

Hi,
I am in financial difficulties and am paying this credit card debt off at an agreed rate of £10 month which will take years.
When I took out this credit card many years ago I rang and queried the PPI they charged me each month - based as a % of the debt. They said that paying PPI was manditory.
I want to make a claim against Virgin but am scared that if I do they will get humpy & then demand that I repay my debt quicker.

I have no objection to the PPI refund being used to reduce the debt.

Has anyone out there had any experience like mine?

With thanks

soon2b_debt3

i had a credit card with virgin about 6 years ago but I cleared the balance, do you think i'd be able claim back ppi even though i no longer have my account details?

amersall

chocolate48 wrote: »

Hi,
I am in financial difficulties and am paying this credit card debt off at an agreed rate of £10 month which will take years.
When I took out this credit card many years ago I rang and queried the PPI they charged me each month - based as a % of the debt. They said that paying PPI was manditory.
I want to make a claim against Virgin but am scared that if I do they will get humpy & then demand that I repay my debt quicker.

I have no objection to the PPI refund being used to reduce the debt.

Has anyone out there had any experience like mine?

With thanks

If you were mis sold then put a claim in all they can take back is any win you may get, then just ask for the reduced payments again and ask if they can charge you a lower interest rate.
You have cancelled this PPI?, if not, then do it tomorrow

amersall

soon2b_debt3 wrote: »

i had a credit card with virgin about 6 years ago but I cleared the balance, do you think i'd be able claim back ppi even though i no longer have my account details?

Get a copy of your credit file, there will be any credit that you have had in the past 6 years on there, see if the card is there, if it is there will be the last 4 digits of the account number, you can then contact Virgin and ask if they can find your account and take it from there.