optional payment protection

keithwill

My daughter is paying or trying to pay off her Barclaycard,but the money she is paying is not enough to cover the monthly minimum,on looking at her statements there is a payment of £44.53 taken from her card for what they have as Optional payment protection every month,which she has never asked for.is this the same as PPI and how does she go about stopping this and reclaiming it

dunstonh

is this the same as PPI

probably

how does she go about stopping this and reclaiming it

She phones their complaint line and puts in her complaint and asks them to stop it at the same time.

Nasqueron

If she's struggling to pay it, why not actually claim on the insurance and also put in a financial hardship case to see if they will freeze interest? If she's missing the minimum she'll be trashing her credit record anyway so might as well plead hardship

keithwill

trouble is she is working but only part time,and she never realised that she was paying it not being to savvy financial wise

Nasqueron

keithwill wrote: »

trouble is she is working but only part time,and she never realised that she was paying it not being to savvy financial wise

The issue is point of sale. If she was part-time (under 16 hours) when she got the card they shouldn't have added PPI as it most likely won't cover her. If she got it when she was full time then it's largely irrelevant as it's sale that matters.

Not being savvy about finance doesn't mean a miss-sale unfortunately, it would be on every single credit card statement and admitting she never read them would mean she could have missed fraud going on.

A claim on the PPI to help her with payments may help or you could complain about miss-sale but you need stronger reasons than simply saying she didn't know she had it (anyone can claim that regardless of whether they read statements or not)