Gazza104 10 March 2019 at 12:09PM in Reclaim bank & credit card charges 7 replies 1.3K views

Gazza104

Further to my initial thread, does anybody know if there has been success in recovering PPI from last century, specifically the ACCESS card which, as we old people know, charged payment protection in with it's monthly repayments but was ,alas, absorbed by Mastercard in the early nineties

Caz3121

if you use the search you may find other threads
eg https://forums.moneysavingexpert.com/showthread.php?p=75155740&highlight=access+card#post75155740

societys_child

PPI from last century, specifically the ACCESS card which, as we old people know, charged payment protection in with it's monthly repayments

I'm old and I didn't know that
I seem to remember any PPI charge was itemised on, a separate line, but I could be wrong.

dunstonh

specifically the ACCESS card which, as we old people know, charged payment protection in with it's monthly repayments

That is incorrect.

I seem to remember any PPI charge was itemised on, a separate line, but I could be wrong.

That is correct. And it only did when
a) you actually had PPI (most didnt)
b) you borrowed on the card and didnt pay it in full that month.

[Deleted User]

Gazza104 wrote: »

we old people know, charged payment protection in with it's monthly repayments

Credit card PPI always appeared itemised on a separate line of the monthly statement. It was not somehow "hidden" in the repayment, that is simply a myth sponsored by claim companies.

Regardless, good luck trying to complain about Access card PPI some twenty-three years after the last Access card was issued and without either a valid complaint nor any documentary proof that you even had a PPI policy.

Gazza104

Sorry all for my confusing post, I'm a newbie, my main point was that I remember having a Nat-west Access card and paying for payment protection but obviously paperwork long gone. I just wondered if anyone had recovered from Mastercard, the company that took over Access.

Nasqueron

Mastercard have no liability as they didn't sell you anything, they took over processing payments for Access but they didn't sell the cards or payment cover so no, no-one has got PPI refund from Mastercard, only the card issuer

[Deleted User]

Gazza104 wrote: »

my main point was that I remember having a Nat-west Access card and paying for payment protection but obviously paperwork long gone. I just wondered if anyone had recovered from Mastercard, the company that took over Access.

How others have fared in this regard is irrelevant I'm afraid, because any complaint you might make is falling at the first hurdle of having no evidence that you even held a PPI policy.

But even if you had such evidence, MasterCard wouldn't be liable for any mis-sale.

Do you truly expect any provider to simply refund monies for which you (and they, presumably) have no evidence of ? Do you even have any evidence of once holding a MasterCard?