Credit Card Reclaiming Discussion

lbw22

I originally had and Access card yonks ago ( 80's) and when I got married put my husbands name on it. Life happened and I have just finished paying it off...I have no idea about PPI and I have some stetements but mainly paying of debt as we havent used it for years, Husband had been out of work twice in that period but we never claimed ( actually didnt realise we had it or could claim). Any chnace of me claiming now.

Also had a BHS storecard but dont know if I had PPI on that either

Any help appreciated.

clunky1965

I understand that FOS are rejecting claims for credit card fees for £12. Would they uphold any claims for these fees if it could be shown that it has lead to financial hardship.

Aquamania

clunky1965 wrote: »

I understand that FOS are rejecting claims for credit card fees for £12. Would they uphold any claims for these fees if it could be shown that it has lead to financial hardship.

No .

Bluemonday_2

My IVA was settled in 2009 on the bases of the creditors accepting a lump sum as a 'full and final settlement'. I recently claimed for PPI on a RBS credit card covered within this. RBS offered a 'good will gesture' of £2800 which I accepted.

They now tell me that they have paid this into my account against the outstanding amount. This greatly surprised me as I no longer have a debt or an account with them. Yes I do have a completion certificate which I forwarded to them.

I am not happy but what should be my next step? :mad:

getting_my_life_straight

Can anyone tell me what the best address is for sending a letter requesting charges back from barclaycard ? Many thanks

Aquamania

getting_my_life_straight wrote: »

Can anyone tell me what the best address is for sending a letter requesting charges back from barclaycard ? Many thanks

http://www.barclaycard.co.uk/personal/complaints

valiantlady

Hi,
I am not very good at speaking on the telephone and I am looking for a basic letter to send to my credit card issuers to see if I have ever paid for ppi.
Is this the template letter that asks for a copy of the credit agreement on the account?

Aquamania

valiantlady wrote: »

Hi,
I am not very good at speaking on the telephone and I am looking for a basic letter to send to my credit card issuers to see if I have ever paid for ppi.
Is this the template letter that asks for a copy of the credit agreement on the account?

No .

This is a step-by-step guide, including template letters, to force your current or old credit card provider(s) to repay the last six years of late payment fees or charges for going beyond your limit.

Vickytick

Hi, Tesco credit card approached me about mis sold ppi for my credit card. I filled out the letter as requested and said I had no idea I'd signed up for ppi when I got the card. They offered me a very small settlement which is better than nothing but here is the issue. Not only do they want an original copy of my marriage cert to show my name change which they had back in 2011 when I got married and changed my name on my cards so I don't know why they need it again but they also want a certified copy of my passport or driving licence. They gave me a list of approved people but I don't know an mp, embassy official or even a police officer or teacher. The bank, drs and post office have refused and a solicitor wants paying! My question is as a card holder do I need to give this or should they just pay up????

Wywth

MSE_Wendy wrote: »

This thread is to specifically discuss the new

CREDIT CARD RECLAIMING article.

To discuss or ask a question about this article: click reply

To report your credit card success: use this thread

To discuss original bank charges reclaiming: use this thread

Just another quick reminder as to the purpose of this sticky thread