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credit card ppi claim
joffy43
Posts: 4 Newbie
in Credit cards
I recently inquired about the ppi on my credit card through my bank (bank of scotland) they were very helpful and said they would investigate it. But they have sent me out a form asking a lot of personal details and more of what i would say has nothing to do with my ppi on my credit and more to do with loan i have never had any loans just my credit card should i fill in this form and how do i do so if i have not actually had any loans.
these question inc have i been off sick and how long, asking what companies i had debts with and what savings i had?
these question inc have i been off sick and how long, asking what companies i had debts with and what savings i had?
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Comments
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They are trying to establish whether it was missold or not - is that not fair?0
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How do i find out the exact date i took out my policy and how would i now the exact dated i fell pregnant they ask what date you became aware that you knew you were not going to be working i know the date i left work to start a new life with my new son 10 years ago but how am i supposed to know the exact date i fell pregnant with him and the exact date i took out my credit card or the exact amount of money i was earning in 1995 when i took out the claim!
the reason iam asking this is because they have been taking ppi ever sine then when you are only supposed to have it for a year i have never claimed any sickness or struggled to pay, it has always been paid in full almost as soon as my statement arrives never late but the ppi has doubled since the card was taken out!
is that fair PPI!!!!
ps. I know you re trying to help but please do not insult me with smart comments even if it was not intended it sound that waY to me!!0 -
How do i find out the exact date i took out my policy and how would i now the exact dated i fell pregnant they ask what date you became aware that you knew you were not going to be working i know the date i left work to start a new life with my new son 10 years ago but how am i supposed to know the exact date i fell pregnant with him and the exact date i took out my credit card or the exact amount of money i was earning in 1995 when i took out the claim!
the reason iam asking this is because they have been taking ppi ever sine then when you are only supposed to have it for a year i have never claimed any sickness or struggled to pay, it has always been paid in full almost as soon as my statement arrives never late but the ppi has doubled since the card was taken out!
is that fair PPI!!!!
ps. I know you re trying to help but please do not insult me with smart comments even if it was not intended it sound that waY to me!!
Smart comments? Get over yourself0 -
How do i find out the exact date i took out my policy and how would i now the exact dated i fell pregnant they ask what date you became aware that you knew you were not going to be working i know the date i left work to start a new life with my new son 10 years ago but how am i supposed to know the exact date i fell pregnant with him and the exact date i took out my credit card or the exact amount of money i was earning in 1995 when i took out the claim!
the reason iam asking this is because they have been taking ppi ever sine then when you are only supposed to have it for a year i have never claimed any sickness or struggled to pay, it has always been paid in full almost as soon as my statement arrives never late but the ppi has doubled since the card was taken out!
is that fair PPI!!!!
ps. I know you re trying to help but please do not insult me with smart comments even if it was not intended it sound that waY to me!!
question...in what way do YOU think that PPI was mis-sold?
as for smart comments..you should have a read of mse`s discussion time !0 -
all i was asking was how to fill in the form on something that i took out around 20 years ago and still paying pp insurance and where would i find out the exact date i took out the policy? When i asked the bank about claiming they gave me a number to call. and said they didn't deal with ppi claims directly. I know what way my ppi was mis-sold this is why i wanted help. i have never asked for help in paying my credit card or struggled to pay it off. i have filled in the form best i can other than the date when i first got my credit card0
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Why have you been paying PPI for 20 years - the so called mis selling paraphernalia has now been going on for the best part of 7 years - if you don't want to spend some time to fill in the form to the best of your ability then why should you be refunded?all i was asking was how to fill in the form on something that i took out around 20 years ago and still paying pp insurance and where would i find out the exact date i took out the policy? When i asked the bank about claiming they gave me a number to call. and said they didn't deal with ppi claims directly. I know what way my ppi was mis-sold this is why i wanted help. i have never asked for help in paying my credit card or struggled to pay it off. i have filled in the form best i can other than the date when i first got my credit card
After all they have covered you under their terms and conditions for that time but I don't suppose you bothered to read them did you?0 -
You pay it for as long as you owe money.the reason iam asking this is because they have been taking ppi ever sine then when you are only supposed to have it for a year
If you've had the policy for 20 years then you've been told about the cost of it up to 240 times. Why claim it was mis-sold now?ps. I know you re trying to help but please do not insult me with smart comments even if it was not intended it sound that waY to me!!
This sums it up nicely. Not everybody with PPI has had the policy mis-sold. Some explicitly asked for it. The lender is simply trying to ascertain the facts from your point of view.jonesMUFCforever wrote: »if you don't want to spend some time to fill in the form to the best of your ability then why should you be refunded?
Debt on a credit card is a type of loan. You've borrowed money. Fill the form in as completely as you can.should i fill in this form and how do i do so if i have not actually had any loans.
If you want free money you have to make the effort.0 -
NO I DO NOT want free money i want what i am in titled to! and yes i did read my terms and conditions but maybe you should as martin says you should only should only pay ppi for a year and i have only recently found this out in the last year that i should not have been paying ppi in the first place !!! obivously i CAN be brothered to fill in the from or i would not be going to this length to to find out more about it!!0
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Complete the form and return it, it may be that the form covers all types of borrowing in which case just fill out the bits that are relevant to you. They then have to review and you can refer a refusal to the regulator.
Not sure where you got the one year from, you either want ppi cover or you don't, it's just a form of insurance that was expensive and also had a large number of exclusion clauses that made claims difficult.0 -
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