Credit Card Reclaiming Discussion

-taff

What do the card T&Cs say?

dunstonh

Sainsbury's 0% deals vary. Some have been for balance transfer only. Only some include purchases. Cash withdrawals (or transactions classed as cash) are usually excluded. All require you to make at least the minimum monthly payment. You must not exceed your credit limit or its lost.

Your T&C will dicate terms like this.

Dandytf

My pba case continues via Onmisbudman since 11/10/17
Maybe their going to let it run until these type of claims expire

dunstonh

Dandytf wrote: »

My pba case continues via Onmisbudman since 11/10/17
Maybe their going to let it run until these type of claims expire

Packaged bank accounts dont have an expiry and probably never will as most seem to be within the normal timebar windows nowadays.

This thread is about credit cards. Not PBAs

Nasqueron

Dandytf wrote: »

My pba case continues via Onmisbudman since 11/10/17
Maybe their going to let it run until these type of claims expire

There is no deadline for these beyond the normal 3/6 year rules. Once the complaint is with the FOS there is no limit until they either uphold or reject and then if the bank or you appeal to the Ombudsman as the final course of action there.


Do remember that statistically most PBA complaints fail as the process for selling them is very robust with firms sending you annual statements of accounts allowing them to use time bar rules as well as extensive documentation about the sale for more recent sales which will counter most arguments you have about miss-sale so don't expect anything and you might get a nice surprise.

IWILLgetthere

Hello, I have had a letter from Barclays saying that they think I had PPI on a skycard, they have enclosed a questionaire/ claim form. The trouble is, I have no idea of any dates - not even what year I had that card! Any advice would be apprecaiated.....

[Deleted User]

IWILLgetthere wrote: »

Hello, I have had a letter from Barclays saying that they think I had PPI on a skycard, they have enclosed a questionaire/ claim form. The trouble is, I have no idea of any dates - not even what year I had that card! Any advice would be apprecaiated.....

The Bank will already know when the account was held.

What you need to concentrate on is formulating a valid and compelling mis-selling complaint.

What is your complaint?

IWILLgetthere

To start with, I can't even remember taking out the PBP and also depending on dates, I was not working - I had my 2nd child in 2003 & 3rd 2007 was was stay at home Mum then (my now late husband worked)... that's why I was trying to work out when it would of been.
Thank you for replying

[Deleted User]

IWILLgetthere wrote: »

I had my 2nd child in 2003 & 3rd 2007 was was stay at home Mum then

Check the terms and conditions of yours, but store card PPI generally also covered the main breadwinner, so stating you were unemployed/a homemaker when you took out the card is unlikely to be a valid complaint.

Look for more compelling reasons for mis-sale. If you still want to know the pertinent dates, simply ask the Bank to provide them...

IWILLgetthere

... to be perfectly honest, all financial issues pre 2012 (when my husband suddenly & unexpectedly died ) are a bit of a blur