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Hi
My apologies if I am doing this wrong, but I’m very new to this.
I am wondering if any one can help me, as I am somewhat baffled regarding the reclaiming of PPI insurance[/font]
In 2005 my husband was diagnosed seriously ill and lost his business, he was a self employed engineer – to clear all our debts we took out IVA’s – several of our debts were to do with credit cards, some of which we had had for an age going back to the 80’s.It is only now that a family member has reclaimed PPI back that I have ventured to try to claim back ours.I sent a letter (which I think was the wrong one!) to all the card holders we had. This was in October, all but Cahoot have responded within the 40 days; some – store cards now with Santander have written back and told me exactly how much insurance I have paid – others like Barclays, Capital One etc., are asking for a £10 fee and they will give me six years statements – I know most of the credit cards were taken out in the mid-late 90’s and I want to see the original agreements as I definitely know that PPI was on them.
However I did stop paying PPI on some of the cards around 2002 when I found out it was not compulsory – but did not know that it was useless to have anyway if you were self employed!).
Do I have a chance of getting anything back from them prior to this six year’s Barclays are mentioning? And if so, how do I go about it – my relative simply filled in a questionnaire that was downloaded from ‘moneysavingexpect’ and has had no problems.
I have moved several times, and all the paperwork has been destroyed, I simply have the account numbers.
My apologies if I am doing this wrong, but I’m very new to this.
I am wondering if any one can help me, as I am somewhat baffled regarding the reclaiming of PPI insurance[/font]
In 2005 my husband was diagnosed seriously ill and lost his business, he was a self employed engineer – to clear all our debts we took out IVA’s – several of our debts were to do with credit cards, some of which we had had for an age going back to the 80’s.It is only now that a family member has reclaimed PPI back that I have ventured to try to claim back ours.I sent a letter (which I think was the wrong one!) to all the card holders we had. This was in October, all but Cahoot have responded within the 40 days; some – store cards now with Santander have written back and told me exactly how much insurance I have paid – others like Barclays, Capital One etc., are asking for a £10 fee and they will give me six years statements – I know most of the credit cards were taken out in the mid-late 90’s and I want to see the original agreements as I definitely know that PPI was on them.
However I did stop paying PPI on some of the cards around 2002 when I found out it was not compulsory – but did not know that it was useless to have anyway if you were self employed!).
Do I have a chance of getting anything back from them prior to this six year’s Barclays are mentioning? And if so, how do I go about it – my relative simply filled in a questionnaire that was downloaded from ‘moneysavingexpect’ and has had no problems.
I have moved several times, and all the paperwork has been destroyed, I simply have the account numbers.
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