PPI Reclaiming discussion Part II

di3004 · 27 July 2008 at 7:52PM

Here is a link for Community legal advice, here you can check if you can get legal aid, if you decide on court action.;)

http://www.clsdirect.org.uk/

dazzer26 · 27 July 2008 at 7:59PM

thanks for that tiggrae i just have to keep my fingers crossed the fos take it on like they did for kinikki.
daz.

di3004 · 27 July 2008 at 8:21PM

Just a thought folks, what about 'Trading standards', wonder if they can be of any help at all if everything else exhausts ?
What do you think tiggrae, Marshallka or anyone ? lol.;)

very_silly_and_scared · 27 July 2008 at 8:25PM

I won't qualify for legal aid, wish had done this while was still a student!

Is there any option before Court? I looked at Court costs but can't work out how much it could cost

Also, the bank says I have 8 weeks to respond or my case will be closed. Should I write to them and if so to say what?! I am sorry I am so clueless. I have read up on this as much as I can but there isn't really anything that applies to my circumstances.

very_silly_and_scared · 27 July 2008 at 8:28PM

Another thought.

I informed them 4 months in that I was not in employment and was once again a student. I didn't finish paying it back til 2005. Is there any grounds to challenge it on that basis within the 6 year limitation or does it simply go back to when you signed the agreement?

di3004 · 27 July 2008 at 8:32PM

very_silly_and_scared wrote: »

I won't qualify for legal aid, wish had done this while was still a student!

Is there any option before Court? I looked at Court costs but can't work out how much it could cost

Also, the bank says I have 8 weeks to respond or my case will be closed. Should I write to them and if so to say what?! I am sorry I am so clueless. I have read up on this as much as I can but there isn't really anything that applies to my circumstances.

Hi hun,

They will take the full income into consideration, I am not too certain of court costs myself as I've not got that far myself yet, but its well worth ringing them (CLS), because this may differ to what is stated online.
Yes write to the bank and still mention you will take further action if they will not uphold your complaint.;)

There are also 'no win no fee basis' but I'm not sure if this would be the right way about going about this.

I do also know going by what others have said that going to court with this sort of thing is not as bad as what we think.;)

You may even possibly get a discount through the CLS, they will tell you more.

So yes continue to write to the bank as you will need a final response before taking further action.

Good luck.
Di.
xx

di3004 · 27 July 2008 at 8:37PM

very_silly_and_scared wrote: »

Another thought.

I informed them 4 months in that I was not in employment and was once again a student. I didn't finish paying it back til 2005. Is there any grounds to challenge it on that basis within the 6 year limitation or does it simply go back to when you signed the agreement?

Maybe well worth mentioning about this on the letter too hun, it will all help.;)
It will do no harm in trying.

Di.
xx

Sem_2 · 27 July 2008 at 11:49PM

Hello I need help reclaiming my PPI from Beneficial Finance

I took out a loan in 2000 and I believe the PPI was mis-sold to me and I have a good chance of reclaiming because
1 The sales staff did not once mention I was getting PPI as part of the loan package
2 You can’t claim if you work part time (which I do)
3 The option to take out insurance is electronically ticked on the credit agreement

Now I have written to Beneficial twice about this each time asking for them to cancel the PPI and to give me a full refund each time they respond with the same letter saying they are looking into it and will get back to more shortly its now been 7 months since and still no response and I’ve even tried ringing them and sending more letters but had no luck there.

I tried the ombudsman route but they keep saying I need to give them more time to respond but it’s been 7+ months so I guess they are no help either

my only option is court action now
can anyone help me draft a final letter to beneficial to let them know I am planning court action?

Thanks

marshallka · 28 July 2008 at 12:39AM

di3004 wrote: »

Just a thought folks, what about 'Trading standards', wonder if they can be of any help at all if everything else exhausts ?
What do you think tiggrae, Marshallka or anyone ? lol.;)

Trading standrads cannot do nothing for any one person. They can take note of a complaint but they cannot advise as such. I spoke to them about Bespoke and Freedom but their hands were tied so to speak. I was glad i did though as it made me feel better.:D

dragon1962 · 28 July 2008 at 8:11AM

hi folks i'm new here so go easy, I became a self employed driving instructor way back in 1992, when i bought my first car the vauxhall dealer offered me a GM credit card, i signed up for it and included ppi i can not remember if being self employed was discussed, i still use this car for all my fuel (thats a lot) does any body think i have a case . am i right in thinking ppi does not cover the self employed ???

PPI Reclaiming discussion Part II

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