New to this - Natwest / RBS Help please

TJ_14

Hi, new to here and looking for some advise.

I used Resolver to contact my bank re PPI, 8 days later i get a letter stating they have checked my accounts and none have PPI apart from my CC. I thought I may have had it on my current account as I spent a lot of my time at uni and some time after in my overdraft.

Anyway, its been said that I have PPI on my credit card, approx. £1,500, but the PPI was cancelled in 2010. I didn't cancel it as I had no idea I had it, do banks automatically cancel it? Should I question this with the bank? The card is still active and has a balance, I pay off x amount monthly.

The next set is to fill in some forms, half of which I have no idea of the answers. But I can do it online so will give that a go.

Just looking for any help on the above, or tips / advise from anyone who has dealt with RBS / Natwest re PPI.

Thanks!

[Deleted User]

Just answer the questions honestly. If you don't know, say you don't know.

Anyone else's experiences will be worse than useless.

dunstonh

. I thought I may have had it on my current account as I spent a lot of my time at uni and some time after in my overdraft.

Most banks didnt offer PPI on their current accounts. Only a few did and even then, it was limited. Typically, not available on student accounts as students couldnt have PPI.

TJ_14

Thanks for the fast responses. I suppose my main reason for starting the thread is re the PPI being cancelled automatically, whether this is something that is done or whether I should ask someone about it? I had no idea I had it on the card so no way I could have cancelled it!

societys_child

I had no idea I had it on the card so no way I could have cancelled it!

PPI on CCs is charged on any monthly outstanding balance. If you clear the balance each month, none is charged.

If you actually paid any PPI it would have been itemised, on a separate line, on the monthly statement(s). Difficult to miss.