barclaycard/mercers

[walkinthepark]

Removed

Edited January 31, 2010 by walkinthepark
decided not to disclose this

[walkinthepark]

Hi

 

Can someone tell me if you can claim back PPI if you are in debt with a credit card. One of my credit card companies is making it difficult because I've set up a s/o to pay the debt off but they are wanting more. Thanks.:-?

[cerberusalert]

Yes you can reclaim the PPI, it is a totally separate agreement to the credit card.

[dx100uk]

give us more info

let help you nail them!

 

cheeky beggers

 

dx

[walkinthepark]

They want more money from me each month. I didn't want to CCA them but they have been stalling for months and still putting interest onto my account putting me further into debt. I will CCA them but just wondering if I can claim the PPI back as well. Thanks

[Bazooka Boo]

Of course you can! Broadside them with a CCA request plus claiming back your PPI.

 

Boo;)

 

Teach them to be so bloody greedy!

[beachcomber60]

They want more money from me each month. I didn't want to CCA them but they have been stalling for months and still putting interest onto my account putting me further into debt. I will CCA them but just wondering if I can claim the PPI back as well. Thanks

 

Yes you can - Go for it

 

I am in exactly the same postion as you with Barclaycard, whats more they've admitted mis selling ppi but refused a full refund + have taken it to the FOS who has upheld my complaint & wants BC why they wont refund interest at contractual rate & 8% statutory.

 

Still no sign of my cca after 12 months either.

 

Beachy

[walkinthepark]

Thanks everyone. I just wanted to make sure! Is there a downside to this if I go for it?

Edited December 13, 2009 by walkinthepark

[dx100uk]

nope only a very big plus!

what about unlawful fees too?

 

dx

[walkinthepark]

Sorry ......could you explain unlawful fees. Also, I'd heard that you can only claim PPI back if you become unemployed or ill. Is this true?

Edited December 13, 2009 by walkinthepark

[dx100uk]

you need to do some reading..........

 

anything that is a penalty fee, i'e late payment, over limit etc etc.

 

dx

[beachcomber60]

There are several reasons you can reclaim ppi, recommend reading threads in the PPI forum, being self employed or being told that you have to have ppi is just two.

 

My latest success (awaiting refund) was that my bank manager told me I HAD to have the loan covered by ppi BECAUSE I was self employed.

 

(Hello's to dx by the way )

 

beachy

[dx100uk]

 

dx

[walkinthepark]

I am in debt with a Barclaycard credit card. I am employed and I am thinking of trying to claim my PPI back so I can pay a bit of the debt off. From what I can remember I felt obliged to have the insurance. They didn't ask me if I had any other insurance to cover me. Can someone tell me how to go about this from scratch or point me in the right direction. What are my chances? Also, I obviously cannot use my card now as I am in dispute with Barclaycard as I am now sending them s/o payments which is lower then they would like. If the PPI is cancelled where does that leave me legally etc? Thanks for your time.

[livingdeadguy]

As with most companies if you believe you were mis sold ppi the you will have grounds for a claim.

Barclaycard however is a tough nut to crack and they don't like to play by the rules.

Legally you can cancel your ppi but this will mean that you don't have any cover shoulg you become ill or uneployed for any reason.

But cover can be arranged elsewhere should you actually need it.

[walkinthepark]

Thanks for this. One other thing - is there a credit card company who is easier to deal with because I might try the others as well.

[walkinthepark]

Hi

 

If your creditor supplies a genuine CCA at your request will they start getting heavy with you because you have asked for the CCA in the first place?

[Guest Old_andrew2018]

IMHO I dont think they will, in many cases there is often a dispute already

[alanalana]

Why would you require another credit card ??

 

aa

[walkinthepark]

I didn't mean I'm going to get another credit card I meant I might try getting the PPI back on my other cards. I had heard Barclaycard was hard going so wondered if my other credit cards would be easier to deal with as I'm having a difficult time with them.

[livingdeadguy]

make a list for us to give opinions on etc and have a look at other threads on here for past success's with credit card companies

[walkinthepark]

Capital One MBNA Marbles

[walkinthepark]

Why is it that Mercers after weeks and weeks of silence rear their ugly heads just before Christmas? Is it their way of spoiling your festivities? Anyway, just like to wish everyone a Merry Christmas and a Happy New Year and thanks to everyone who's helped me through my legal battles with my creditors.

[lickthewallfatboy]

They're all a bunch of losers who need to find themselves a life,but don't know where to look

[sam614]

me thinks that they do it deliberate:rolleyes:

 

can't you just see all the muppets laughing as they time their crap to land on your mat xmas eve.

 

had 2 this morning.do I care....think not.

SAM