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Credit Card Charges Refund

Mis sold payment protection on credit cards is a huge concern because this segment of the lending industry has not seen a drop in the number of complaints that are being registered with the Citizens Advice Bureau and the Financial Services Authority. Consumers are asking to have credit card charges refunded as often as they were a year ago and even the year before that. With all the legislation in regards to how PPI is sold it would seem as though the number of claims would be waning but this is not the case.

What Do These Statistics Mean?

Does this mean that card issuers are not abiding by new rules and regulations, or does this simply mean that consumers are finding old credit card charges that would like to dispute? Those statistics haven't been released but it is the feeling of consumer advocate groups such as the Citizens Advice Bureau that card companies are not yet in full compliance with legislation. In either case, consumers are demanding a credit card charges refund just as often as they have in the past.

How is Credit Card Payment Protection Mis Sold?

In the past few years consumers in the UK have become familiar with the ways in which payment protection insurance was mis sold in terms of loans, but there appears to be a bit of confusion as to what renders credit card payment protection mis sold. In fact, many consumers weren't even aware of the fact that credit card companies were under investigation for mis sold PPI just as banks and other lenders have been.

Golden Rule for Determining Mis Sold PPI

If you are trying to determine whether or not you have been mis sold PPI and are due a credit card charges refund, simply look at the ways in which other loan protection insurance has been mis sold. The 'golden rule' is to ask yourself if you knew they were charging you, were you eligible for cover and were the conditions and exclusions disclosed to you in terms you could understand. A credit card charges refund is dependent on whether or not PPI was mis sold in most cases.

How Do I File on Mis Sold Credit Card PPI?

This is another area in which consumers are left wondering what to do. It took a while for them to understand that filing a claim on mis sold loan insurance would be directed to the lender or independent insurance producer but when it comes to credit cards many of us are still in the dark. Perhaps this is because little attention was given to this segment of the lending industry in the news but filing for a credit card charges refund would be accomplished in much the same way.

The only problem might be in asking for a specific amount as credit card premiums are a bit more complex to calculate. For this reason many people choose to use a professional claims management company like Belmont Thornton when asking that to have mis sold PPI credit card charges refunded. A knowledgeable claims team can sort through all the red tape, get to the crux of the matter and get your claim on the fast track, relieving you of the frustrations that are altogether too common when filing mis sold payment protection.

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