Do I have any rights?

MakeAChange_2

January2015 wrote: »

The best thing to do is to not get credit again in the future. If you can manage this then the status of your credit report doesn't matter anyway. If you don't apply for credit then no-one is going to look or check.

Seriously, the best thing you can do is start to budget and plan to save for emergencies and save for those things you know will need replacing or that you want, e.g. birthdays, christmas, new furniture, etc. etc. Once you get into a routine with your budget it really is easy to do.

yes i agree, when i say ''when i get credit'' i mean for a mortgage or a car, i never want anything else on credit unless absolute last resort ! :rotfl: truely converted from years of hassle

sourcrates

MakeAChange wrote: »

i don't even care if I get nothing back, obviously it would be nice but I'd be over the moon if they just admitted they took advantage by not informing me I'd never be covered and just wiped the debt.

You won't get any apologies I'm afraid.

Most complaints are settled on a "no liability basis".

You do stand a good chance of getting some money back though.

Can you get the information together of all your accounts that had PPI associated with them ?

If you need any help feel free to PM me.

MakeAChange_2

sourcrates wrote: »

You won't get any apologies I'm afraid.

Most complaints are settled on a "no liability basis".

You do stand a good chance of getting some money back though.

Can you get the information together of all your accounts that had PPI associated with them ?

If you need any help feel free to PM me.

yes thats just what im doing now, digging out old paperwork, i also had that cpp things years ago but i cannot find any paperwork, can not remember which bank i had it with but know i definitely had it.

I see the reclaim has ended but i never received any letter to tell me about the reclaim, so not sure if i have a chance with that too?