So I have decided to try and reclaim my PPI and credit card charges myself.
Headache!!!!
I hope its okay to post a thread. I want to have a place to keep people up to date, advise, tips etc.
So I have started reading what is needed to be done.........so many people have done so many different things etc. Its confusing.
Any advice along the way will me appreciated it.
I have
1) £1000 loan, nearly repayed. (Lloyds TSB)
2) 2x credit cards (1 is at least 8 years old)-------Late payment charges on some, PPI on them (Lloyds TSB and Post Office. Had a Captial one at one point but not used it in years)
3) Store cards Argos, New Look-------Late Payment charges and PPI
4) Studio Account with horrible late payment charges.
I normally only miss payments by a day depending on when I have been paid etc, so I don't do it on purpose. I have cleared all accounts (not loan) at least once in the past (this includes the credit cards)
So this is what I have done so far.
1) Started to dig up statements (I tend to keep them a year) and list what charges have been applied to which account/card
2) Got a template for an SAR
There is so much conflicting information out there. Some people have claimed by just sending details of charges, some have filled in hundreds of forms to send off.
Any advice, tips etc.
I am reading all the threads and all that on here as well.
Headache!!!!
I hope its okay to post a thread. I want to have a place to keep people up to date, advise, tips etc.
So I have started reading what is needed to be done.........so many people have done so many different things etc. Its confusing.
Any advice along the way will me appreciated it.
I have
1) £1000 loan, nearly repayed. (Lloyds TSB)
2) 2x credit cards (1 is at least 8 years old)-------Late payment charges on some, PPI on them (Lloyds TSB and Post Office. Had a Captial one at one point but not used it in years)
3) Store cards Argos, New Look-------Late Payment charges and PPI
4) Studio Account with horrible late payment charges.
I normally only miss payments by a day depending on when I have been paid etc, so I don't do it on purpose. I have cleared all accounts (not loan) at least once in the past (this includes the credit cards)
So this is what I have done so far.
1) Started to dig up statements (I tend to keep them a year) and list what charges have been applied to which account/card
2) Got a template for an SAR
There is so much conflicting information out there. Some people have claimed by just sending details of charges, some have filled in hundreds of forms to send off.
Any advice, tips etc.
I am reading all the threads and all that on here as well.
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