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Natwest single premium insurance
Hi I'm currently sorting through my finances and have a loan with natwest for £15,000. The monthly payments are £292. I am considering taking out a new policy to cover my mortgage and other bills incase of sickness / unemployment. is there anyway to calculate what the monthly premium would go down to if i were to cancel…
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Reclaiming GAP Insurance
Hi everyone, I am sorry if this has been covered before, I've had a look through the site and while there are some similar cases they all seem different enough to require me to start a new thread. I've just been checking through some paperwork for a car my mum bought from a local dealership three years past in April, I was…
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Barclays PPI
Hi all. I'm new to all this so excuse any mistakes. Basically I would like to know if I can reclaim my PPI on my Barclays Bank Loan. I took it out in Sep '06 for £10,000 over 5 years. I bought it on the phone and not online. I read somewhere that banks loans in that period won't be able to be reclaimed on? Thought I'd ask…
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General advice
i've had a look the questionnaire etc, just 1 question: do i send a questionnaire for each re-claim even from same company? for example i have 5 to claim from welcome refinancing loans from 2003 through to last one took out in 2005) and 2 for citi financial. thanks
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Success - Blackhorse
Just been advised today that I have been offered full refund of all premiums and usual 8% statutory interest. I have 4 loans ranging from 1999 to 2004. My first loan was £5,302 with single PPI of 2,215 loan ran from 11 Dec 01 to 19 March 03. So not sure what refund will be 2nd loan was for £3,134.60 with ppi 1045 from…
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Reclaiming PPI question
I'm currently in debt management with Baines & Ernst. During a standard phonecall, they advised me to pursue claiming back PPI and recommended a company, in fact they actually got the company to phone me. After some conversation, I had to squeeze the percentage out of them. 39% of what I receive, no win no fee. While I…
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Ppi insurance citi financial
Hi has anyone had dealings with citi financial,took a loan out approx 4 years with citi who had an office in york ,paid loan off,sent a letter to get information re loan not sure if i took ppi insurance,template was from money saving expert just to get a letter back quoting consumer credit act 1974 section 77 which sounds…
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Hsbc
Hi all, I sent my 1st letter for PPI reclaim in April, they have sent me letters usually every month. in response saying, they apologise for the delay but are still investigating In the latest letter they enclosed a financial ombudsman leaflet, if I wanted to contact them. Shall I keep waiting or contact financial…
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Initial letter reclaiming PPI (1st letter)
Has anyone got a template letter to send to black Horse to reclaim ppi. Its probably me being thick but i can't seem to find it here on site. Thank you everyone
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Successful PPI Claim
Hi, just wanted to let you know that after completing the PPI questionaire on 8th Sept I have today received an offer letter for £2577.54 from Santander on a loan I took out in 2005. So I am :j Yes I had to dig out my old paperwork, but was that ever an evening well spent. One point I would like to make is that I received…
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Query about PPI after divorce
Hi, I'm about to start a PPI reclaim from HBOS for a joint loan I took out in 2003 with my ex-wife. All payments have been made by me, and have come from my account. It is also me that they have chased for late payments (or non-payment) a few years back when we were both seriously in debt. We divorced in 2008 and have been…
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Insurance against their own policy
i have my mobile phone insured with phones 4u premier plan policy admin service. i have been paying my insurance for over 3 years. my phone got broken lately so i made a claim. they send me back all the forms i need to fill out with information about the excees paymend of £50. When i made the claim i was aware that there…
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partial sucsess
I have some success with retrieving my loan insurance from 2002.. Problem is I had top up loans over this time and did not realize that each time a new loan was agreed.. however the insurance was added without my knowledge. They have retuned my money up to 2005.. but the original complaint 2002 has been rejected because I…
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Ppi claims
has anyone heard or dealt with "The Financial Claim Bureau". I paid £199 over the phone yesterday by credit card to them to initiate the claims process and they sent me a form to fill in and sign. its got an address on it in Ponticlun . My husband went mad with me but they said i had to pay this fee in order to recieve the…
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After 2 years Barclays found ppi on my mortgage
Hi guys After 2 years of waiting Barclays have finally "found" a PPI that I had on a mortgage (taken out in 1999 until 2004). I received a call from the Ombudsman last week who told me that she had been in touch with Barclays and that they have now found a PPI on their system. I can't believe it, I'm dumbfounded; after all…
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PPI on bank overdrafts
Hi,Ive just noticed when I logged on to my Barclays bank account online that I am being charged protection insurance against my overdraft!! Has anyone come across this before and if so could they give me any advice on what I should do do get it refunded.Thanks Fallan :mad:
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claming ppi's back from welcome finance
what is the best site to claim back my ppi's with welcome finance, most ive seen are no win no fee can someone help ?
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PPI and Pro-Rata Offers of Payment
Hi all I'm in the process of trying to get myself financially sorted after several years of being in a mess! I'm looking to write to creditors to ask them to accept reduced payments, and one of those creditors is Egg in relation to a loan I took out with them in Jan 05. I previously wrote to them in Feb 08 to ask them to…
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importance of insurance
Insurance is a protective measure used against future conditional losses to verge the possible risks of the future. It protects a person from risk of losses through financial means and provides a means for individuals and societies to handle some of the risks faced in daily life by legal contract. Insurance companies are…
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Mortage Protection - Advice Please
Hello, Not sure if anyone can help. We bought our house in February 2006 and have had unemployment and sickness cover since this date (about £20 per month) for my husband. He has been in the same job since this date and was made redundant in July (statutory with 6 weeks payment in lieu). We sent a claim in when he had been…