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dealing with my fathers debts - argos PPI


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Just had a reply from moorcroft re Argos card which was passed to them I'm 2008

 

They have provided the original credit agreement. I will post a photo of this later.

 

However I note that PPI was ticked and was active from June 2002 until Sept 2007.

 

 

Added this us and it totalled £475.52.

This is without compound interest etc as I'm not sure how to do it.

 

There were also late charges between this time totalling £159.50.

 

Now I've briefly read that there are issues if the account was opened before a certain with regards to reclaiming PPI.

Is this the case please?

 

Lastly as the account is still with moorcroft will the possible PPI refund go directly to them?

 

Thanks

 

Matt

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no harm in trying.

 

 

if the debt has been sold

 

 

they cannot offset

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if you have all the statements

it better to use the fosrunning

but that can be very diff to fill in[read the read notes tab]

 

 

or use the foscisheet

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

don't forget the FOS questionnaire too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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As well as doing the calculations - download the FOS PPI questionnaire and read threads on here to state the clear reason why the PPI was mis-sold. This is the key to a successful reclaim. Need to be clear as to reasons why it was mis-sold and therefore leave no wriggle room for the OC to reject.

 

Are you still paying debt?? If not how close to SB?

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Who is shown as the owner on your credit file?

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

thought it might have done

whomever moorcroft are collecting for

it will state their client on any letter from them.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ah so still with the OC

 

 

yes they'll offset then.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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