PPI Reclaiming successes and failures

Smamfer

eurobell wrote: »

thank you moneysaving expert i have today recieved a letter from my tesco's credit card offering me £6218.00.they are going to pay off my credit card i wasn't offered a cheque this time i wondered if this the norm or should i ask for a cheque ?:beer::T

Hi

It may be different for different banks but my ppi cc reclaim originally went onto my cc to bring the balance down, and then 3 days later they reversed it without telling me and when i called them to ask what had happened they said they had to pay me by cheque instead so i benefitted from it,

So as i said it may not be the same for all banks but just be aware xx

di3004

citibird27 wrote: »

Hi All,

I have a tricky problem here...hope someone can point me in the right direction.

( Ihave had heard of this happening to others, now it's me)...when requesting T & Cs for an old accounts, somewhere in the region of 1997...I have been sent a reconstituted agreement, with NO paperwork showing signatures, dates or anything!

Just a copy of a general agreement.....would appreciate any comment at all...( I personally think it's naughty, clearly they no longer hold my original agreement...and the address was wrong...

Thanks

Citibird x

Hiya Citibird

I would contact then and ask them about this, tell them there is information missing.

I understand if the accounts are closed/settled, and that over 5 years they are not obliged to keep these, but if they sent you a copy of the original, then surely there should have been some info in relation to the account enclosed.
I would contact them, or maybe contact the Information Commissioners Office (ICO) by ringing them for the quickest way of this being dealt with and see what they have to say about this.

https://www.ico.gov.uk/Global/contact_us.aspx

Good luck.;)

Niggly_2

di3004 wrote: »

Thank you, I've had a wonderful day, cheers xxxxxxxxxxx:beer::j;)

Penblwydd hapus i chi
Penblwydd hapus i chi
Penblwydd hapus i Di
Penblwydd hapus i chi.

:beer: Niggly

di3004

Niggly wrote: »

Penblwydd hapus i chi
Penblwydd hapus i chi
Penblwydd hapus i Di
Penblwydd hapus i chi.

:beer: Niggly

Diolch yn fawr :beer::D

maryspecial

boycey01 wrote: »

Well I received a letter today regarding my Halifax Credit Card PPI. They have upheld it

Hi boycey, im delighted halifax have upheld your cc ppi. Congrtulations! Im sure the calculations will get sorted when they look at it! It gives me a little hope when i had almost given up! Can you remind me when you put your complaint in?? I remember reading about it weeks ago. Ours went inmid may and we're patiently waiting to hear. Had little hope as i havent read anyone getting anything from halifax credit card ppis.

Thanks again

tifosi

di3004 wrote: »

Diolch yn fawr :beer::D

Sorry Di!

HAPPY BELATED BIRTHDAY!!!

tifosi

eurobell wrote: »

thank you moneysaving expert i have today recieved a letter from my tesco's credit card offering me £6218.00.they are going to pay off my credit card i wasn't offered a cheque this time i wondered if this the norm or should i ask for a cheque ?:beer::T

You can INSIST its paid direct to you by cheque

They are allowed to pay off any arrears you may have on the CC and then pay you the remainder, but they cant just apply the £6218 to the balance (unless you request that, or you have £6218 of arrears!)

tifosi

citibird27 wrote: »

Hi All,

I have a tricky problem here...hope someone can point me in the right direction.

( Ihave had heard of this happening to others, now it's me)...when requesting T & Cs for an old accounts, somewhere in the region of 1997...I have been sent a reconstituted agreement, with NO paperwork showing signatures, dates or anything!

Just a copy of a general agreement.....would appreciate any comment at all...( I personally think it's naughty, clearly they no longer hold my original agreement...and the address was wrong...

Thanks

Citibird x

Hi CB,

what did you do to get the copy, a S87/88 request for the credit agreement?

If so, you should send them a full SAR requesting EVERYTHING they hold on your account and person, this will confirm whether or not they have the original signed docs

If they dont have the original signed doc with prescribed terms of the CCA 1974, as the card was taken out before April 2007 they cannot enforce the agreement in court

computerbuddy

Happy birthday Di! Hope you had a wonderful day yesterday.:A:A:A:A:A:A:A:D

station296

Thank you again for all the help on the site, I keep finding more bits of info on here I never knew and really appreciate those in the know helping people like me!

So... I got back from holiday this morning to a lovely letter from Halifax regarding a loan going back to 1997 and one from 2000, they have upheld both, though they were in the queue since November so it took a while. Got back £3500 which is twice what I was expecting so am really pleased! Wasn't sure if they would go back that far, and it took many phonecalls and letters but they finally agreed.
Only one more to hear from, Marbles, and they are being really slow in responding for some reason, fingers crossed I may hear soon!

Happy sunny Sunday!