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can I reclaim PPI
Hi all, I have a Halifax Credit Card, which was flogged to me in a Branch a good few years ago (4-5 years ago i think). The person who sold it told me that PPI would protect me against any fraud transactions (if any fraud should occour, and I did not have PPI - I would have to foot the bill). So i said ok put it on.... I…
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Halifax Loan
Hi Guys, Just after some thoughts on the reason why I am considering taking on Halifax for mis-selling PPI with my loan which I have found out I have been paying the last three years. Just reviewing the Demands & Needs statement, I came across this interesting point :- Suitability We have identified that you have a need…
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Are Lloyds the worst bank ever
I have had no end of trouble with Lloyds but I did make a successful reclaim of PPI on both a loan and a credit card with them. Only had to send a stage one letter for both and they agreed to refund all monies paid plus the usual 8%. However, 2 months on since agreeing their offer I still have no refund. Is there a time…
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Should I contact LLOYDSTSB as they have not replied to FOS decision
Hi . Fos have agreed that LLOyds TSB should refund my CC PPI. They had two weeks to reply however they have not replied and the case is now in the queue for the OMBUDSMAN. Is there any reason why I cannot contact them - does anyone know who I should ring? thanks:j
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Loan Payment Holiday
Hi I have had to take a payment holiday from my Lloyds Tsb loan, but they have charged me a additional £109 to cover interest and paperwork fees on to my final payment. This seems a bit stiff is this correct? :(
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PPI Help....
Hi, I am thinking of starting a claim using your wonderful site :A but can anyone explain, 1. How can i prove i was missold PPI? ( I was told by EGG i had to take PPI to be accepted for the loan, how do i prove this?) 2. I was self employed at the time. Thanks
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lloyds tsb cc ppi
Hi,i have been succesfull with my claim with lloyds tbs for my cc ppi,i sent the stage 1 letter and 2 weeks later they wrote and said i would get a refund,6 weeks after i sent the acceptance form i recieved a letter dated 10th june saying i would be recieving £2795 and it would appear in my bank account within the next 45…
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CitiFinancial PPI
I had a loan with Citi but could not find paperwork. I checked my credit reference file with Creditexpert and managed to get the loan details, monthly amount, start date, satisfied date and the last three digits of the loan reference. The loan finished in 2006 but Citi are saying that they purge all documents after five…
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First plus
Hi, newbie here, but I really need some advice. In 2006 my husband and I took a a large loan with first plus and secured it on our property. The loan was like 125% equity on the property. We took out the PPI as at the time they made it sound brilliant. Yes take it out and in 5 years you can get all the money back. Now…
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Blemain and the FOS
Hi everyone, Just a bit confused here on this one, took out loan in april 2006, redeemed loan in April 2007, paid £19k back on £14k loan (didnt run 12 months), got majority of PPI back via ins company and FOS assistance, but since then due to FOS calculations etc, loan should have been recalculated and redeemed on non PPI…
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tyring to claim ppi from GE Capital now Santander
Can anyone help? i have written 4 letters stating why I was mis sold my car PPI, dating back to 2006. After hoping that something will come from those letters. Today a letter from Santander indicates that i need to appraoch the dealership directly to make any claims of mis selling of ppi on my car laons? As anyone else had…
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Help with PPI charges letter
Hello all. I need some advice regarding the letter template regarding asking the bank for ppi charges applied to an account. Is it possible to include my request for a copy of terms and conditions of all the policies applied to the account. I noticed from my husband's bank statements, policy payment of £9.99 each month…
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PPI reclaiming
hi i wonder if anybody out there can help me! my husband has a LloydsTSB CC which in dec 09 found out that he was paying PPI (as informed by helpline staff) he then applied to get the money back, after a couple of months he got a letter from them saying that they would uphold his claim and offer to settle which is in line…
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FOS agreed that LLOYDS TSB to pay but they have not replied
Hi FOS agreed that LLoyds are to repay my Credit Card ppi however they have not replied within the two week deadline. I understand that this now is referred to the ombudsman. Does anyone know if FOS are involved am I allowed to contact LLOYDS to discuss why they are not paying or should i leave it to FOS. thanks
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is it possible to
is it possible to reclaim PPI on a credit card without having all of my old statements? I have maybe 12 months out of the last 36 my ppi is roughly £19 per month. I dont really see the point of having to pay £10 to get my statments through the post then shift through them totalling up the amounts. Can i complain and trust…
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Barclaycard PPI question
Would like some advice please. I have a barclaycard intitial visa since november 2007. I aplied online for this card. My limit was increased from £250 to £1000 since I have had the card. I was made redundant from my job last year, and have been on jobseekers allowance. However I have never gone over my limit and a direct…
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Email from Loans.co.uk
I emailed a Sarah Walsh at Loans.co.uk to see if they got my documents they said they didnt get! Well they have now and she has sent me an email saying - 'Good Morning, I have received those documents, I can confirm that we do have 8 weeks to investigate your complaint and you will hear in the next couple of days the…
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LTSB Total Refund?
I believe I have a solid case for an LTSB PPI refund but I was told that I might have a case for a total refund of ALL the repayments and premiums. Is that possible? Aside from being generally mis-sold the loan in terms of PPI, I was at the time a partner in a company and had a 50% share holding. Apparently I should never…
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Direct Line PPI - Is this correct?
Hi everyone, I recently had a mis-sold PPI claim against Direct Line (RBS) upheld by the FOS. This was relating to a loan dating from the early 2000s which was paid off early after 20 months of a 5 year term. As it was so long ago I don't know whether a partial PPI rebate was received at the time of early settlement…
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Playing games with Egg
Hi All 4 months before my loan was due to end (last year) I noticed that the usual payment hadn't been taken from my bank account (by Direct Debit) which in turn left my loan account in arrears. When I contacted Egg about this they told me that I needed to contact my bank as they hadn't sent the finances (my understanding…