PPI Reclaiming successes and failures

amersall

Blessed wrote: »

Looking for any advice please.....took out a debenhams store card in 1995 was pressured into taking ppi protection and accepted. I cancelled 5 years later and have recently put in a claim for misold ppi. It was rejected on the grounds that I ticKed the ppi box. Do you think I can pursue this claim further as they have said that they are closing this case now

Reject the reason for mis sale that they gave and show that you could have paid this card should the worst happen so you had no need of this PPI.

amersall

debtfreebie wrote: »

OOPS Sorry Amersall:o
Busy morning and my fingers are not working properly after a whole weekend decorating

Any excuse :rotfl::rotfl: you are forgiven xx
My avatar is a bit of a give away, a baby monkey in a dress

[Deleted User]

amersall wrote: »

You send the complaint to Barclays in the first instance,

Relax, you've started repeating answers I've already given while you've been away;

Moneyineptitude wrote: »

Unfortunately, your paperwork is not categoric evidence that you had PPI. The agreement only shows if PPI was initially agreed to, not if you cancelled it during the 30 day cooling off period or subsequently.
As for your credit card, it's a simple matter to check if you have PPI because, if you have it, it appears every month on your statement. If it's not on there, you don't have it.

So, before you rush off to complain to the official bodies, I'd write to the Bank and ask them about the discrepancy between your paperwork and what they stated with regard PPI non-payment.

and new advice superstar, jdwmfc, is also doing yeoman service with additional info;

jdwmfc wrote: »

If you are adamant that they have information showing PPI then phone first and see what they say. If they say they cannot find any details apply for a SAR request and request all information that they hold on you. Costs £10 and you will find a template on here. The bank must give you any details they hold on you, but you must follow the template and not request specific information.

This will only likely be information from the last 6 years.

You will also find addresses for all major banks in
http://forums.moneysavingexpert.com/forumdisplay.php?f=169

:p:p:p:p:p:p:p:p:p

jdwmfc

Moneyineptitude wrote: »

I try to write informatory information all the time!:p;)

I swear what a typo!!!

[Deleted User]

amersall wrote: »

My avatar is a bit of a give away, a baby monkey in a dress

But, but, but,.....I'm not a cat in a scarf!;)

amersall

debtfreebie wrote: »

Friday 13th Success
had offer letter from CT Capital
Full repayment of Life insurance and payment of proportionable rebate of PPI plus interest :j
All in all £7k

However offer letter states payment will be made by 31st October
(interest has been calcluated based on this date):(

Can I accept the offer but amend it so that payment is made in a more reasonable time scale i.e. 4 to 6 weeks
3 and half months to raise a bank payment sems excessive.
I have spoken to them and not surprisingly they said this is the best they can do given the 'backlog' they have.

Any advice gratefully received

PS Massive thanks to Amersall for his posts and support, I wouldn't have got such a speedy offer without these threads :beer:

:j:j:j:j:jBrill :j:j told you so:D:cool:
It may not take that long, just hang on in there

amersall

Moneyineptitude wrote: »

Relax, you've started repeating answers I've already given while you've been away;


and new advice superstar, jdwmfc, is also doing yeoman service with additional info;



:p:p:p:p:p:p:p:p:p

Cannot be ars*d going back and forth to see if a post has been answered :p:p:
Two answers are better than one, better than having posts unanswered :p

amersall

Moneyineptitude wrote: »

But, but, but,.....I'm not a cat in a scarf!;)

:eek::eek::eek::eek: OH NO :eek::eek: it is like being told Santa does not exist :rotfl::rotfl:

jdwmfc

@Amersall and Moneyineptitude was going to tell you off for general chatting and being off topic but realised that this only applies to the PPI reclaiming Discussion parts 1 to 5. :p:p:p:p:p:p

Where it tells you to go to the pub for a chat :rotfl:
It's here by the way @ the MoneySavers Arms :beer::beer::beer::beer::beer::beer::beer::beer::beer:

jdwmfc

amersall wrote: »

Cannot be ars*d going back and forth to see if a post has been answered :p:p:
Two answers are better than one, better than having posts unanswered :p

Pure lazyness!!!
I never repeat an answer ever :embarasse:laugh::embarasse

Santa does exist toooo here he is :santa2: