PPI with Abbey CC

Mitch524 · 5th February 2010, 11:27

I took out PPI with an Abbey CC some time ago.
I ticked the box on the Application Form does this affect my position to a possible claim.
I'm in full time employment and have been for the duration of having the CC.
Being crippled financially at moment due to interest autolinker.com autolinking image

rates in excess of 25%.
Looking for more ways to fight back.
Is it worth spending the £10 to see if I have a claim ?
Thoughts please.

Mitch524 · 5th February 2010, 11:33

Below is the agreement with them.

http://i48.tinypic.com/4qk32o.jpg

alanalana · 5th February 2010, 20:01

Quote:

Originally Posted by Mitch524

Below is the agreement with them.

http://i48.tinypic.com/4qk32o.jpg

Hello Mitch,

I would advise you to read up the information in the stickies at the top of the forum. Masses of useful information to help you along the way.

Let me start you off with links that will assist you in deciding if you have a claim.

PPI - Some Notes for Claimants..

BANKS are giving incorrect advice on PPI

Mis-sold PPI? Want your money back? use these links to help

The last link is full of other links to a lot of the relevant issues on PPI reclaiming and the regulatory bodies etc etc a lot of homework but worth the effort.

My claims so far on bank charges autolinker.com autolinking image

and PPI have managed to get me in excess of £21k back.

So read up, send your Subject access request autolinker.com autolinking image

if you need to, prepare you case, put in your claim and let the fos autolinker.com autolinking image

adjudicate. The fos autolinker.com autolinking image

have upheld 90% of claims in favour of the Consumer making the claim.

Good luck.

Post up any questions you have and someone I am sure will help you out along the way.

aa

Mitch524 · 8th February 2010, 09:21

If I have more than 1 card do I send £10 for each card and what should I do if I have sent CCA requests and put the accounts into dispute as nothing has been received since November ?

Mitch524 · 8th February 2010, 11:20

Once information is requested is it easy to identify PPI being added to an account that wasn't asked for ?

Mitch524 · 9th February 2010, 00:15

When I ticked the box to accept PPI for the Abbey card should they have provided me with a policy if so I don't remember ever receiving one and even if they hold a copy would I have needed to sign a copy of it so as I accepted the T&C's ?

Mitch524 · 12th February 2010, 15:54

Quote:

Originally Posted by Mitch524

When I ticked the box to accept PPI for the Abbey card should they have provided me with a policy if so I don't remember ever receiving one and even if they hold a copy would I have needed to sign a copy of it so as I accepted the T&C's ?

Bump.

alanalana · 12th February 2010, 23:29

Quote:

Originally Posted by Mitch524

Bump.

Quote:

If I have more than 1 card do I send £10 for each card and what should I do if I have sent CCA requests and put the accounts into dispute as nothing has been received since November ?

A single £10 fee by postal order is all that is required to obtain all the data held on you by Abbey.

Quote:

Once information is requested is it easy to identify PPI being added to an account that wasn't asked for ?

You will needto scrutinise all the paperwork you receive to check for the PPI details.

Quote:

When I ticked the box to accept PPI for the Abbey card should they have provided me with a policy if so I don't remember ever receiving one and even if they hold a copy would I have needed to sign a copy of it so as I accepted the T&C's ?

You will need to double check as you state you ticked the box you should have been made aware of all the relevant issues on the policy by virtue of a demands and needs questionnaire, This should have been carried out by abbey staff to ensure the PPI on the CC was in fact suitable to you in line with your position.

Please see this linik..

PPI - Some Notes for Claimants..

You should always receive a copy of the consumer credit agreement with a copy of the terms and conditions autolinker.com autolinking image

that are applicable to that agreement.

If you believe you have been mis-sold PPI then you should submit a claim to ask for the PPI premiums to be returned with 8% statutory interest autolinker.com autolinking image

.

aa

Mitch524 · 13th February 2010, 00:49

thanks aa

If I did fill in some sort of Q&a will autolinker.com autolinking image

they have a copy ?
Will they have to produce it as part of the Subject access request autolinker.com autolinking image

request ?
If they don't have this information does it then fall into mis-selling ?

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