Help!Claiming back PPI, accident insurances and charges on a credit card

coolchick82

Hello,


I need advice please. Im trying to help my parents who are in a bit of a financial mess. I have credit card statements from 2006 to present, from these I see my Dad was paying PPI and personal accident insurance on a monthly basis, the premiums for these ended up so high that he was not even paying off any of the credit card balance with his monthly payments.The policies have both been cancelled but he never used them or wanted them. He has struggled financially over past few years and also suffered ill health so has found it difficult to keep up with all financial commitments so im trying to see if I can help by getting some of these charges back. Also I see on his statements he was charged regularly for late payments, he was also charged a late payment fee if he made a part payment and paid less than the minimum payment. Also for 2 years he was charged an extra £12 per month for breaching his credit card limit but this was due to the insurance been added,but because of the above insurance it took him so long to get back below his limit.


so I don't know where to start. Do I claim the PPI first? do I also claim back for the personal accident insurance at the same time? as for the fees and charges do I wait for a response about the PPI claim fist or should I put it all in the same letter??


any help greatly appreciated

McKneff

Your parents must have signed up for these things.


What makes you think you can claim them back.
You have to have a valid reason for a miss sale and evidence to back it up. You don't just get it back because you paid it.


As for accident insurance, he has had the cover, he cant have it back just because he didn't have an accident and didn't actually claim.


Hopefully others will be along to help

McKneff

McKneff wrote: »

Your parents must have signed up for these things.


What makes you think you can claim them back. And you don't 'claim' you make a complaint about the way it was sold.
You have to have a valid reason for a miss sale and evidence to back it up. You don't just get it back because you paid it.


As for accident insurance, he has had the cover, he cant have it back just because he didn't have an accident and didn't actually claim.


Hopefully others will be along to help

.................................................

Nearlyold

coolchick82 wrote: »

Hello,


The policies have both been cancelled but he never used them or wanted them. He has struggled financially over past few years and also suffered ill health so has found it difficult to keep up with all financial commitments so im trying to see if I can help by getting some of these charges back

Not sure how old your Dad is, but if he's had to have time off work due to ill-health what was the reason he didn't claim (in the correct sense of the word) on the PPI. Or was it cancelled before the onset of ill-health

dunstonh

The policies have both been cancelled but he never used them or wanted them.

Not using them is not grounds for complaint. Although it sounds like he could have used them had it kept them up. Not wanting them is interesting as people dont generally pay for things they do not want.

Also I see on his statements he was charged regularly for late payments, he was also charged a late payment fee if he made a part payment and paid less than the minimum payment.

That is what normally happens.

Also for 2 years he was charged an extra £12 per month for breaching his credit card limit but this was due to the insurance been added,but because of the above insurance it took him so long to get back below his limit.

So, we know the charges are within the amount considered reasonable by the OFT.

so I don't know where to start. Do I claim the PPI first? do I also claim back for the personal accident insurance at the same time? as for the fees and charges do I wait for a response about the PPI claim fist or should I put it all in the same letter??

He makes a single complaint to the card provider giving his reasons for complaint. I have highlighted some of the issues he is likely to face if you use the reasons as you have presented them. I am not saying there isnt any merit to the complaint. Just a counter point of view in the weaknesses that currently exist. (i.e. saying he didnt need it when actually it sounds like he did).

Nearlyold

I wonder where this belief comes from whereby if you didn't claim on your insurance it must have been miss sold.


On that basis you could buy an umbrella then complain later that you must have been missold it because it never rained!

magpiecottage

Nearlyold wrote: »

On that basis you could buy an umbrella then complain later that you must have been missold it because it never rained!

I think this analogy can be pushed a little.

Selling an umbrella in England is unlikely to amount to misselling (assuming it works).

On the other hand, selling one in Timbuktu might be rather harder to justify (although a parasol could be useful there).

Nearlyold

You could use an umbrella as a parasol:D

coolchick82

i think there is some mis understanding here, he NEVER wanted the insurance in the first place, no discusion was had about it when he took out the credit card it was just added on automatically

dunstonh

coolchick82 wrote: »

i think there is some mis understanding here, he NEVER wanted the insurance in the first place, no discusion was had about it when he took out the credit card it was just added on automatically

And all the fraudulent complaints say that too. You could succeed on a complaint but this is the weakest complaint reason going.

Someone who sees an entry on their statement that they did not agree typically contacts the card provider promptly. A quick response is credible even if there is no evidence to back up the allegation. As time goes on, that credibility erodes. Complaining 9 years later (over 100 statements) means there is no credibility. So, you are going to have to rely on other failings.