I'm with RBS Mastercard (used to be RBS VISA but they forced a change of card) and like others I was mis-sold being informed that it was mandatory if I wanted to keep the card. When I attempted to cancel PPI years later they essentially told me that I would have to give up the credit card if I didn't pay PPI so I kept with the card which I heavily use.
So yes, it was mis-sold to me and I'll have difficulty proving that as it was done over the phone.
But still I want to embark on making a claim hence why I ordered years worth of credit card statements to see how much I could claim etc.
Questions to you guys (and please don't say "you stupid idiot etc. for accepting PPI in the first place) are:
a) have you successfully made a successful PPI claim with your credit card provider ??(in this case its also the bank that I have my current account with).
b) when you cancel the PPI and make a claim, have there been any instances where the credit card company gave you a negative credit rating ? (I cannot have a single blemish on my credit score due to my work in finance).
c) What are the pitfalls for making a PPI claim? have you got any tips on succeeding ? I note on the questionnaire that they ask you were you self employed / employed at the time of having the insurance taken out.
d) what is the normal procedure for complaint. Do you just fill in the questionnaire on the RBS website and hope for the best ? I've noticed that there are many firms out there that think that they can 'help' you make a claim; are these firms to be avoided or used in the first instance ?
Any advice is much appreciated as they have seriously ripped me off, I never needed it in the first place, I got other credit cards with larger amounts on the limit and they've not required me to have PPI.
So yes, it was mis-sold to me and I'll have difficulty proving that as it was done over the phone.
But still I want to embark on making a claim hence why I ordered years worth of credit card statements to see how much I could claim etc.
Questions to you guys (and please don't say "you stupid idiot etc. for accepting PPI in the first place) are:
a) have you successfully made a successful PPI claim with your credit card provider ??(in this case its also the bank that I have my current account with).
b) when you cancel the PPI and make a claim, have there been any instances where the credit card company gave you a negative credit rating ? (I cannot have a single blemish on my credit score due to my work in finance).
c) What are the pitfalls for making a PPI claim? have you got any tips on succeeding ? I note on the questionnaire that they ask you were you self employed / employed at the time of having the insurance taken out.
d) what is the normal procedure for complaint. Do you just fill in the questionnaire on the RBS website and hope for the best ? I've noticed that there are many firms out there that think that they can 'help' you make a claim; are these firms to be avoided or used in the first instance ?
Any advice is much appreciated as they have seriously ripped me off, I never needed it in the first place, I got other credit cards with larger amounts on the limit and they've not required me to have PPI.
Comment