Sealed Pot Challenge!!

Mollymop5

Evening everyone.I went to the shops today but that means more change in my pot :T



Sparky I'd love to help you, but I don't understand all that.I'm sure I could be owed thousands but not sure where to start

theunknownstuntman

sparky0107 wrote: »

Credit card insurance
Hi everyone,
Hope you can help me. I've asked for credit card statements, so I can get a figure of the repayment cover & also late payment fees :mad: (I know!), and I've received statements from Capital One & the Halifax so far.

Capital One

PPI cover amounts to £110.30, add 8% interest this takes the total to - £119.12, also Late payment fees (6) @ £20 = £120, add 8% interest £129.60. there are also 3 Late Payment Fees @ £12 each. Am I right in assuming I cannot reclaim these last 3. (248.72 Total reclaim)

Halifax

PPI cover amounts to £578.97, add 8% interest £46.31 this takes the total to £625.29, again 3 late payment charges of £12 each. The other curious thing is that the halifax in their cover letter to me have stated the date the account was opened . (£625.29 Total reclaim)

So far I have worked out that my reclaim will be worth £874 :eek: , this is without the 6 late payment charges between the 2 accounts. Am I right in thinking that I can go ahead and try to reclaim these charges.

Thanks in advance for any help/replies :beer:

Hiya Sparky, you can reclaim for all those fees. PPI will have to go seperate and via the Ombudsman, but late fees (yes even the £12 ones to cover a letter and a stamp) can be reclaimed. Go for it mate.

PM me if you get stuck, I might not be able to give you an immediate reply, but you will get one!

theunknownstuntman

Mollymop5 wrote: »

Evening everyone.I went to the shops today but that means more change in my pot :T



Sparky I'd love to help you, but I don't understand all that.I'm sure I could be owed thousands but not sure where to start

You want some help with reclaiming pretty lady?

Little_Chicken

Evenin all. No pennies in my pottie - kinda good, as it means i haven't spent any money today. Wine in my tummy tho ;0)

mumzyof2

theunknownstuntman wrote: »

You want some help with reclaiming pretty lady?

Stunty i have just gone on dmp with CCCS, could i still reclaim my credit card fees back or not?

mumzyof2

Little_Chicken wrote: »

Evenin all. No pennies in my pottie - kinda good, as it means i haven't spent any money today. Wine in my tummy tho ;0)

MMMMMMMMMMMMMMMMMMMM wine!!!!!!!!! :beer:

lilmissmup

Flying visit as using my iPod touch in bed to write this but another £2 coin in today courtesy of my dad. Hope your all well x

sparky0107

mumzyof2 wrote: »

MMMMMMMMMMMMMMMMMMMM wine!!!!!!!!! :beer:

Evening ladies,
Do you think there's an underlying issue here with all this talk of drink? It's enough to make me want to go home and crack open another bottle of vino. Been really busy tonight with writing PPI letters, I had one from paragon who said that I had to claim through the broker, even though paragon were the company who lent the money to me figure that one out.

Any way I digress, I'm off home soon for that vino, b*gger the figure lol. Hopefully catch up with you all tomorrow.
Good night all take care

theunknownstuntman

mumzyof2 wrote: »

Stunty i have just gone on dmp with CCCS, could i still reclaim my credit card fees back or not?

Yup, you can as far as I'm aware lovely Mumzy. I'll double check for you. How you feeling today?

theunknownstuntman

sparky0107 wrote: »

Evening ladies,
Do you think there's an underlying issue here with all this talk of drink? It's enough to make me want to go home and crack open another bottle of vino. Been really busy tonight with writing PPI letters, I had one from paragon who said that I had to claim through the broker, even though paragon were the company who lent the money to me figure that one out.

Any way I digress, I'm off home soon for that vino, b*gger the figure lol. Hopefully catch up with you all tomorrow.
Good night all take care

Hey Sparky, I'll check that out for you, but i think it is the broker you have to go for, but I'm not sure.
Take it easy mate, catch you tomorrow