Help please no idea where to start trying to claim back optional payment protection

oddies

Hello Everyone,
please could anyone help me ? I have no idea where I should start even trying to claim back optional payment protection.

First let me try and explain I am with Barclays and have been for many years ( at least 20 years ) I cannot remember ever asking for optional payment protection at any point but I became ill 18 years ago and lost part of my brain function so I cannot remember some things but other things I can if I do them daily, hubby helps quite I lot. I have noticed optional payment protection a few times of late but this last one struck me down ( £7.04 ) I know I spent a bit more than I would normally but as I say I always pay in full ) but as I do my own banking which just means paying money in and paying my credit card. payment of credit card I always pay in full either when it arrives or the week after, I have only ever been late paying it once as I mis-read the due date but I explained my illness to my bank and they wavered the bank charges but after that I pay as soon as possible in full. where would I start trying to claim it back if that's even possible. hubby could help me try to claim it back if indeed I could. sorry if I have gone on a bit I just have no idea where to start. Thank you very much for your Time and Effort

[Deleted User]

If you generally pay off your credit card on time then there won't be very much to refund. Credit card optional payment protection (more usually called PPI) was only charged when the credit card account had a balance.

However, if you want to complain about it, you need to show that you had no need or desire for it. All you have to do is write the Bank a letter explaining why you think it should be refunded. The bank will have eight weeks to consider your concerns.

oddies

Thank you very much. I have managed to get in touch with my bank and have now taken off the optional payment protection and someone is giving me a call soon about it. looking back he's told me I have had it since 2003

Nasqueron

They'll send you a form most likely, just complete it with your best memory and be honest on it and see what they say, don't be tempted to use a template and make sure your answers are your own, not tailored as they might come back to bite you!