Just Found Old Credit Card Statements with PPI How to Proceed?

[Spazter]

Hi

 

I have just found my old credit card statements from 1993 onwards till 2001 for 3 separate accounts and they all have a monthly PPI charge on them. How do I proceed? Firstly I didn't know I had the charges and the accounts are no longer running. Also I wouldn't have needed the cover as I would have received payments for sick and redundancy from my work place.

 

Do I go for a SAR or straight into the PPI claim form and send in?

 

thanks

[theoldrouge]

Unless you have all the statements and info

 

always first step is to send a full SAR

 

Who was the ppi with?

[Spazter]

Two credit cards with Natwest and one with Co op. I may also have an endowment policy that has cover on it. I don't have all the statements just up to approx 2001.

 

I will get SAR's sent off tomorrow then. Thank you for your reply much appreciated.

[Spazter]

I have sent my SAR's off and they have now received my letters.

 

 

I have had numerous phone calls from one of them asking about what information I am wanting

and I told them as per the letter everything they hold on me.

 

 

They then phoned back and said I had signed the letter

but they had no example signature from my accounts to confirm I am who I am!

 

 

They are now asking me to go into local branch to provide proof of identity by form of

marriage licence, driving licence and passport. Is this normal?

 

 

They seemed to be pushing me to give them the reason for the SAR request but I didn't mention I had PPi.

 

 

They also asked if I wanted transcripts of phone calls because if I did I would have to give them dates and times.

 

 

I just told them if they hold any information held in any format on me or about me then they had to provide it?

 

 

Is all this normal?!

[dx100uk]

it wont hurt to provide the info

but no don't tell them whay its for

 

 

else they'll simply refund peanuts without you knowing if its right.

 

 

you say you hsve all the statements or not?

[Spazter]

I knew they were digging for my reasons of requesting the info so didn't let on. I have most all statements from 1993 to at least 2001. I will take the info into the bank then to start the ball rolling again. Thanks.

[Spazter]

I have claimed for PPI charged on a couple of credit card accounts and a loan with Natwest from period 1993 to 2003. I have received offers but they state that if I have any arrears or debts with the RBS Group it will be used to clear off these amounts.

 

The Natwest cards, loan accounts and bank accounts were all paid off in 2003 and accounts closed with zero balances.

 

 

I have a credit card which I opened in 2012 with RBS

I have a balance on it but it is not in arrears or over limit.

 

 

Can they take my money and pay it off the card account

even though the accounts were linked?

 

 

Hell they not even in the same names?!

 

Any advice would be great. Thanks

[dx100uk]

I assume you've since married...

 

 

that is a std reply to a NatWest PPI refund of claim.

 

 

they prob will not even look into your situation.

 

 

however, if they do...sadly yes the can offset.

 

 

but, I hope you sent them an sar first to get all the statements?

as you've noway of checking they are correct?

 

 

for PPI . of that era you should expect a good refund as the 8% will be quite large

[dx100uk]

old and new threads merged for history

please try and keep to one thread per reclaim or debt.

 

 

dx