PPI, Plevin & Reclaiming late payment fees

valderamasrima

Hello all,

please could i have some help with PPI/ Plevin/ bank charges.
I am doing claims for my mum & I.
regarding plevin: If i have had ppi & got a successful claim in 2015, this doesn’t make me eligible to claim plevin right? From what i have read you can only get plevin if you have been denied a PPI claim?
Can someone clarify- would this be when a bank/ lender has told you/ or you have evidence of ppi & they refuse to pay out?
When is it good to do a SAR request? Is the point of this to prove to the banks that yes you were charged ppi & late charges?

which brings me onto late charges-
what is the situation with these at the mo?
I tried to get some bank charges refunded in 2012 for a 2009 case & got rejected. Due to the rejection i’ve sat on the case. However, i wondered if it was worth a final go as from the threads have been reading, some have got charges refunded.
here is what might go on my side:
i am now unable to work due to disability & health decline.
i am on a dmp but am getting a DRO soon which has been approved.
I was in great hardship & had mental health issues when i got the credit card debts & my health has declined even more now to the extent i am getting pip.
it is unlikely i will be going back to work and i feel my debt has snowballed due to the charges that was originally charged. i was going to write to 4/5 out of my credit card companies to see about them refunding me.

questions: do the charges always have to be over £12 ?
if i have proof of some of the charges, will the lenders expect me to provide all of the proof or will they check all my statements. i.e is it likely that they will just refund the charges that i can see or be more fair and say according to our records we can see we also charged you on these dates too.


thank you




With regards to

valderamasrima

Also what happens if my original debts with the credit card companies have been sold on? who do i address my complaint to? old lender or new? many thanks

dunstonh

regarding plevin: If i have had ppi & got a successful claim in 2015, this doesn!!!8217;t make me eligible to claim plevin right? From what i have read you can only get plevin if you have been denied a PPI claim?

Plevin only applies to rejected complaints. Logically as a successful complaint has already had a 100% refund. There is nothing left to refund.

Can someone clarify- would this be when a bank/ lender has told you/ or you have evidence of ppi & they refuse to pay out?

If there is no evidence of PPI being paid then you get nothing at all under any method.

When is it good to do a SAR request? Is the point of this to prove to the banks that yes you were charged ppi & late charges?

The vast majority of people dont do a SAR and dont need to do one. Its only if you don't believe the bank if they say they hold no records (SAR can sometimes dig deeper into archives. In most cases it tells you nothing more)

I tried to get some bank charges refunded in 2012 for a 2009 case & got rejected. Due to the rejection i!!!8217;ve sat on the case. However, i wondered if it was worth a final go as from the threads have been reading, some have got charges refunded.

Bank charges have nothing to do with PPI unless the PPI was in relation to a current account.

If you are talking about bank charges in isolation then its only CURRENT financial hardship cases that the bank will consider. Refunding of recent charges is only one of the options open to them. They can choose to refund nothing and use other options. Such as suspending future chargse/interest for a period or putting you on a debt management plan. Where they do refund charges, it tends to be the last 3-6 months.

questions: do the charges always have to be over £12 ?

Are we talking about bank charges still or credit cards?

if i have proof of some of the charges, will the lenders expect me to provide all of the proof or will they check all my statements

You dont need to tell the bank what they charged. They know.

i.e is it likely that they will just refund the charges that i can see or be more fair and say according to our records we can see we also charged you on these dates too.

If they agree you are in current financial hardship, then the most common outcome is a refund of the last 3-6 months charges. 12 months if you are lucky. Going back further is only in extreme cases (such as priority debts - council tax, utilities etc).

valderamasrima

thanks very much for the response.

yes the £12 relates to bank charges & credit card charges. can i claim these back?

thanks

dunstonh

yes the £12 relates to bank charges & credit card charges. can i claim these back?

that is a credit card issue. Its not a bank account issue. On credit cards, a charge over £12 may be considered unfair. Effectively, a card provider has to justify the charge over £12 but not under £12.

Banks won the bank charges case in 2009. It hasnt been possible to claim back unfair charges since then (which is why you failed in 2012)

Nasqueron

valderamasrima wrote: »

thanks very much for the response.

yes the £12 relates to bank charges & credit card charges. can i claim these back?

thanks

Nope, bank charges are considered fair especially as they reduced them so low - only financial hardship cases are considered for any refunds. The banks won the case in 2009 on reclaiming old charges

valderamasrima

hi thanks for info.
so just to clarify- none of this article is correct any more?
i am in hardship & am disabled so spending more money on illness etc:


couldn’t post link to martins moneysavers reclaim unfair bank charges page.

dunstonh

so just to clarify- none of this article is correct any more?

more or less. There have only been two known successes since 2009. One of which included the customer being locked in the interview room of the bank against her will and had as much to do with that than anything else.

Current hardship cases and incorrect application of charges are the only areas now.

Nasqueron

valderamasrima wrote: »

hi thanks for info.
so just to clarify- none of this article is correct any more?
i am in hardship & am disabled so spending more money on illness etc:


couldn’t post link to martins moneysavers reclaim unfair bank charges page.

Current hardship must be considered yes but they don't have to give you back old fees, they can agree to freeze charges etc - best to speak to their hardship team before any costs spiral

valderamasrima

thank you very much for your helpful & speedy responses xx