PPI Reclaiming successes and failures

smitchy73

di3004 wrote: »

Diolch yn fawr :beer::D

speak scottish you two, lol Happy belated birthday Di, is that you 21 this year?

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

Euro,

do you mind me asking how long ago you took the card and what sort of balance you had?

Just sussing out how they work out their settlements - £6218 is quite a generous payment!

:T

di3004

tifosi wrote: »

Sorry Di!

HAPPY BELATED BIRTHDAY!!!

Hey that's ok lol, but thank you hun x:beer::A

di3004

smitchy73 wrote: »

speak scottish you two, lol Happy belated birthday Di, is that you 21 this year?

Thank you :beer::A x
I wish I was 21 all over again lol

I have a job to speak my own language lol :rotfl::rotfl::rotfl:

di3004

computerbuddy wrote: »

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

Thank you:beer::A, I had a wonderful day hun, cheers so much x;)

Smamfer

maryspecial wrote: »

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

here's some hope!

I got my halifax cc ppi back

citibird27

di3004 wrote: »

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.;)

Thank ( again..:) ) Di,

The accounts are till active, just set up a long time ago...the copy of the agreement was just a standard set of terms and conditions, could have been from any account...

There is absolutely nothing with a signature on it..I will take your advice and contact Commissioners office,:A

Thanks again...

Citibird x

citibird27

amersall wrote: »

Hi there, i think you were lucky to get what you have from them from that far back!.

Dont know what you can do about this to be honest,but i am sure someone will help with this.x.

Thanks, Amersall...it is a tricky one..but have several like this, and don't want to give up so early on...will keep on with the claims process and see what happens

:) x

citibird27

di3004 wrote: »

Diolch yn fawr :beer::D

Hi Di,

I ahve not been able to check on posts much this week...but see that it was your birthday...

Hope the day was wonderful, you deserve it...

Citibird:):):) x

citibird27

tifosi wrote: »

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

Hi There...

Thank for responding...I have sent a SAR offf now, but seems like the original might be lost, the addres was wrong for a start!! ( Little eager with the cut and paste keys, perhaps?:rotfl:)

If it cannot be enforced, what does that mean, exactly?

( Sorry to sound sooo dim....):o x