PPI Reclaiming discussion Part II

Melon78

Can anyone advise please?

Have received our credit card bill this morning (Debenhams Mastercard) and have noticed we pay a monthly 'account cover charge' of £1.50 per £100 balance. Is this the PPI that we could potentially reclaim?

I have read Martins article and have seen that GE Capital Bank (who run Debs cards) have been fined for misselling. Also my DH is a contractor so could we claim on the unemployment thing?

TIA

sparky0107

Hi Laini,
Just a quick question, when I write to CSL for my full SAR, I have the head office address, should I send the request there or to the CSL store I bought the suite from?

Thanks sparky

marshallka

Melon78 wrote: »

Can anyone advise please?

Have received our credit card bill this morning (Debenhams Mastercard) and have noticed we pay a monthly 'account cover charge' of £1.50 per £100 balance. Is this the PPI that we could potentially reclaim?

I have read Martins article and have seen that GE Capital Bank (who run Debs cards) have been fined for misselling. Also my DH is a contractor so could we claim on the unemployment thing?

TIA

its a payment to cover goods bought on your card i think.

marshallka

sparky0107 wrote: »

Hi Laini,
Just a quick question, when I write to CSL for my full SAR, I have the head office address, should I send the request there or to the CSL store I bought the suite from?

Thanks sparky

I would write to head office as they will probably hold more information on accounts etc and if not they will always pass it on. You could always call and ask who hold records.

Laini will be back on later i think after she has hammered firstplus.

**AquariausAngel**

MWH1 wrote: »

About to commence a reclaim for the MBNA credit card PPI. I already have a PPI reclaim with FOS (HBOS) which is awaiting arbitration (since start of March 08)

As Marshall said, you can correspond with the company after they've given you their final response, but its unlikely they'll change their position on the reclaim. Again, as per Marshallka, request an SAR to get all your account details. Go to page 21 of this thread and copy 'Laini' post which includes a template SAR. It is first class stuff :T . Send the £10 and despatch it by recorded delivery. You dont want them saying they didn't receive it as they have 40 days in which to respond. You should be able to calculate the PPI total from the documents they send. In any case, if the FOS rule in your favour, they will calculate the value of the PPI reclaim on your behalf.

Hi MWH1

I have copied and pasted Laini's letter and saved in on my pc - the reason I haven't sent it off its because I am also trying to reclaim credit card charges i.e. late / overlimit fees on the same card. I have sent them the £10 for this information which they cashed on 17th June - I am still waiting for a list of these charges. I didn't know whether I'd need to send another £10 for a list of PPI charges - I don't really want to pay twice! (Why should I?!!)

Good luck reclaiming your PPI - let me know how you get on!

Thanks again!

**AquariausAngel**

marshallka wrote: »

If you have had your final response and your complaint is with FOS (you have to have a final response for FOS to get involved) you can still write and correspond with the company but they may not respond back. Have you asked for a SAR (subject access request) from them. Its all the data information that they hold about you and they have to by law answer this within 40 days of asking. It does cost £10 but its well worth it if you are after proof. You will find a template letter on here for the exact information to ask for.

Hi Marshallka

Thanks for your comments - as mentioned to MWH1 I am trying to claim credit card charges as well as PPI for the same card. I didn't know about reclaiming PPI until after I asked for a list of charges. Barclaycard have already cashed my cheque for £10 on 17th June and if I haven't had the list of charges sent to me by tomorrow I am going to write to them requesting them again as their 40 days are up. I didn't want to send off requesting an SAR with another £10! What shall I do?!

marshallka

**AquariausAngel** wrote: »

Hi Marshallka

Thanks for your comments - as mentioned to MWH1 I am trying to claim credit card charges as well as PPI for the same card. I didn't know about reclaiming PPI until after I asked for a list of charges. Barclaycard have already cashed my cheque for £10 on 17th June and if I haven't had the list of charges sent to me by tomorrow I am going to write to them requesting them again as their 40 days are up. I didn't want to send off requesting an SAR with another £10! What shall I do?!

I would ring and ask what the delay is. They are allowed i think a "reasonable delay" so maybe a call would save you the trouble of sending another letter and another £10. Tell them that they cashed your cheque a week ago.

Laini

marshallka wrote: »

I would ring and ask what the delay is. They are allowed i think a "reasonable delay" so maybe a call would save you the trouble of sending another letter and another £10. Tell them that they cashed your cheque a week ago.

also you can report them to ICO if they have gone over the 40 days, its 40 days from when they receive it not when you sent it
did you use track and track to see when they signed for it

marshallka

Laini wrote: »

also you can report them to ICO if they have gone over the 40 days, its 40 days from when they receive it not when you sent it
did you use track and track to see when they signed for it

Laini, i rang the ICO about Firstplus and said i thought they were withholding information and all they told me was "they would not want to incriminate themselves would they?". I found them useless in dealing with my complaint and asked what i could do. They said to me "well if they don't have the information". I may be back in touch with them myself.

Let us know later about your claim. Are you ringing them soon:mad: ?????

Melon78

marshallka wrote: »

its a payment to cover goods bought on your card i think.

Really? Thats a !!!!!! then as we won't won't be able to claim it back. Annoying thing is we only use the card for buying things online (food/clothes/DVDs etc etc) so hardly the sort of thing to need insurance for :mad: