Ppi

gpick24 said:
They aren`t all that co-operative though Jaysay. With my claim, I had to write letter after letter for 3 months, all of which just got ignored hoping you`ll get fed up, Then you have to go to Financial Ombudsman.
Still worth doing though. Nothing ventured nothing gained as they say.
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I was thinking about that Mr G. maybe mine came through so quickly because I've never paid one penny of interest on my credid card ever, I always pay it in full every month, and I do use it too, very rarely there is £0.00 on my monthly statement. Could it be that they could see that this insurance wasn't necessary and I shouldn't have been paying it, mind you for what ever reason thank you thank you LLOYDSTSB:mosher:
 
jaysay said:
I was thinking about that Mr G. maybe mine came through so quickly because I've never paid one penny of interest on my credid card ever, I always pay it in full every month, and I do use it too, very rarely there is £0.00 on my monthly statement. Could it be that they could see that this insurance wasn't necessary and I shouldn't have been paying it, mind you for what ever reason thank you thank you LLOYDSTSB:mosher:
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Thats who offered Paris half.:rolleyes:
 
jaysay said:
I was thinking about that Mr G. maybe mine came through so quickly because I've never paid one penny of interest on my credid card ever, I always pay it in full every month, and I do use it too, very rarely there is £0.00 on my monthly statement. Could it be that they could see that this insurance wasn't necessary and I shouldn't have been paying it, mind you for what ever reason thank you thank you LLOYDSTSB:mosher:
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The interest I`m talking about is what they owe you for having your money in their bank account.
You charge them 8% on your PPI payments.
I paid £28/month PPI payments, so i`m claiming back £28/month + 8%
On the forum I put a link to, along with template letters, there is a claim spreadsheet that works it all out for you.
If you don`t have the statements, you can send off a SAR, costs £10 and you will get everything you need to check what they owe.
 
gpick24 said:
The interest I`m talking about is what they owe you for having your money in their bank account.
You charge them 8% on your PPI payments.
I paid £28/month PPI payments, so i`m claiming back £28/month + 8%
On the forum I put a link to, along with template letters, there is a claim spreadsheet that works it all out for you.
If you don`t have the statements, you can send off a SAR, costs £10 and you will get everything you need to check what they owe.
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You've got me interested now Mr. G. think I might just follow this up a bit further, they have seemed to settle my account without too much prodding from me:eek:
 
jaysay said:
You've got me interested now Mr. G. think I might just follow this up a bit further, they have seemed to settle my account without too much prodding from me:eek:
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I know I don`t know you Jaysay, but from what I`ve read on here about you, they will probably have seen that it`s an open and shut case regarding whether the PPI was mis-sold, so will probably have thought, give him something before he looks into it too much and we have to give him more.
All guess work though, until you get your statements & calculator out and add up all you`ve paid.
 
gpick24 said:
I know I don`t know you Jaysay, but from what I`ve read on here about you, they will probably have seen that it`s an open and shut case regarding whether the PPI was mis-sold, so will probably have thought, give him something before he looks into it too much and we have to give him more.
All guess work though, until you get your statements & calculator out and add up all you`ve paid.
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Well after what's been said on here about this you could well be right Mr. G. so I will take it further. I never actually gave it a thought until I was getting documents ready for the shredder and the other half questioned what the payment was far, with it being in place ever since I've had the card never seemed to ring any bells, but glad I followed it up now.
 
I was getting excited about all this PPI thing and hoping for a bit of holiday money coming my way.
I rang the Credit card help line and it seems that I never paid any PPI I won't be getting a wind fall.

Thanks Jaysay for getting my hopes up only to get shot down again.
How about a share of yours?
 
Gremlin said:
I was getting excited about all this PPI thing and hoping for a bit of holiday money coming my way.
I rang the Credit card help line and it seems that I never paid any PPI I won't be getting a wind fall.

Thanks Jaysay for getting my hopes up only to get shot down again.
How about a share of yours?
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Share of mine:eek::eek: Its already been spent, my youngest daughter is getting married a week on Sunday:D
 
Gremlin said:
I was getting excited about all this PPI thing and hoping for a bit of holiday money coming my way.
I rang the Credit card help line and it seems that I never paid any PPI I won't be getting a wind fall.

Thanks Jaysay for getting my hopes up only to get shot down again.
How about a share of yours?
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It`s not just a case of, I`ve been paying PPI so I want it back, it has to have been mis-sold.
In my case, I went 5 years paying car finance, got to the end of it and cancelled direct debit, a few weeks later I got a letter saying I still owed some money and when I queried it, it was the last payment of PPI. I`d never agreed to take out PPI as it wouldn`t be suitable for me in my circumstances and when they sent me a copy of the paperwork, the boxes agreeing to it had been ticked by someone else.
 
jaysay said:
Share of mine:eek::eek: Its already been spent, my youngest daughter is getting married a week on Sunday:D
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Your payment couldn't have come at a better time John,
Have a good day and pass my best wishes onto the happy couple.
 
Great news JaySay :)

I got my PPI payments back on two cards I had about ten years ago, no trouble at all just wrote to the bank as per letter templates online, and got it paid into my current account. It wasn't a lot of £, about £100 altogether as I recall.
However I also put in a claim for my partner and they protested, implying that it wasn't mis-sold. I replied to that letter and they have failed to respond as yet. I am glad you reminded me-I am going to chase it up today.
 
Gremlin said:
Your payment couldn't have come at a better time John,
Have a good day and pass my best wishes onto the happy couple.
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Sadly I won't be there they're getting spliced in China, mind you they've been together 19 years, but they're moving to America in July and by getting wed it will cut out a lot of red tape.
 
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