Natwest Credit Card

comer2k

Hi guys, just wanted some advice.

Im a current Natwest CC holder and I'm charged payment protection currently at about £4 per month. I've never looked to a PPI refund till now. I know I never asked for it as I got it and I've had the credit card about 15 years.

My question is has anyone had a similar time frame to me and what sort of offer did you get or should I expect?

Is it a case of £4 per month x 15 years with a little bit of interest?

Thanks in advance.

dunstonh

My question is has anyone had a similar time frame to me and what sort of offer did you get or should I expect?

Way to early to be thinking that. You have to succeed in your complaint and based solely on what you have said so far, you do not have a compelling complaint reason.

Focus on the reason you want to complain and wait to see if that is successful.

iainscomputer

I had PPI on a Barclaycard, but it wasn't a fixed fee per month, it was a % of my balance.
I claimed a refund & they paid me. The reasons I gave were
1. I hadn't asked for the protection.
2. My job pays me when I'm ill, if I got made redundant a payout would easily pay the card off as the balances were low, never over £2k.
3. All my other borrowing, eg loans/ mortgages I had never had PPI, why would I with this.
They refunded the premiums £400, interest I paid £2400! Interest on that amount @8% to me, another £800, total £3600.

Mersey_2

comer2k wrote: »

I know I never asked for it

This in itself is certainly one reason worth citing when you complain.


OP - ignore dunstonh - who seems to relish in posting on almost every thread here telling people they have no potential claim.

societys_child

Mersey wrote: »

. . .


OP - ignore dunstonh - who seems to relish in posting on almost every thread here telling people they have no potential claim.

Can you point out where he said the op has no claim? I can't find it.

Mersey_2

Here you go:

dunstonh wrote: »

Way to early to be thinking that. You have to succeed in your complaint and based solely on what you have said so far, you do not have a compelling complaint reason.

Usually he/she is often terse too to OPs for no reason.

Nearlyold

Mersey wrote: »

Here you go:






Usually he/she is often terse too to OPs for no reason.

dunstonh is right though, in itself it's not a very compelling complaint reason particularly when the OP seems to have been aware of the charge every month for the last 15 years

Mersey_2

A customer not having asked for PPI is the first reason in a plurality of complaints.


The OP certainly didn't say that either.

[Deleted User]

Personal attacks are not deemed constructive and can often result in a termination of the forum holder's account.

Mersey_2

I quite agree. I suggest they stop being rude to OPs; but, more importantly stop telling them they have no potential claim.

Nasqueron

Mersey wrote: »

A customer not having asked for PPI is the first reason in a plurality of complaints.

I agree

The bank response will rightly be:

Please provide proof that you didn't ask for this

(He who asserts must prove - aka why we don't do arguments such as "you owe me £10, prove you don't")