General PPI Question

[andyford2000]

I have applied to two credit card companies via a CCA request and Subject Access Request to find out what information they hold on me.

 

They both have been charging me PPI since I took the credit Cards out. I can honestly say that I cannot remember requesting it.

 

Would I be right in thinking that they have to supply me proof in writing in writing that I requested it and some kind off signed agreement by myself.

 

your thoughts would be welcomed

[hellhasnofury]

I have applied to two credit card companies via a CCA request and Subject Access Request to find out what information they hold on me.

 

They both have been charging me PPI since I took the credit Cards out. I can honestly say that I cannot remember requesting it.

 

Would I be right in thinking that they have to supply me proof in writing in writing that I requested it and some kind off signed agreement by myself.

 

your thoughts would be welcomed

 

Hello Andy,

 

Their normal response would be that you ticked a box in the credit agreement or that it was arranged over the telephone. They would have to provide evidence of these

[itsmeandonlyme]

Hello Andy,

 

Even if the box is ticked( by you or somebody else). Nothing stops you from claiming it back as a mis-sold one.

 

You have done right thing by requesting all the information on your account via SAR. Follow the normal procedure. Put your PPI charges into spreadsheet and send them your first Prelim.

 

 

Good luck.

 

 

Kind regards,

 

 

Itsme

[reidnet]

If the agreement was passed to you with the PPI box already ticked , then you can argue that the PPI was in fact not optional as stated.

 

Hiya Itsme .. How are you doing ?

 

Ian

[ukaviator]

Hi Andy

 

If it's the Capital One card, i have been monitoring your other thread, then you have a greater chance of getting this back. They have been fined and shamed, for their bad practice. Wait for that CCA request you have posted this morning. Should reveal quite a lot..

[Fred Bassett]

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