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[di3004]

Originally Posted by wutus

Hi
I am currently awaiting an offer from welcome finance and have emailed the FOS chasing it up as welcome have had my acceptance since begining of September and the FOS have replied saying that it is currently taking 8-10 weeks and they are taking on extra resources to reduce the back log, so should hear any day now,
Now i am starting on a loan i had with the old woolwich i know its now barclays but does anyone know the address for old woolwich loan as i know they still do mortgages or just send it to barclays??
Thanks

Good luck with this then.

Found the details of the Woolwich here:

WOOLWICH LIMITED
1 CHURCHILL PLACE
LONDON
E14 5HP
If they are linked together maybe you could address it to Barclays.

Good luck with this.

[laalaa41]

Originally Posted by toolittletoolate

Thanks recieved a letter from egg today will a refund of £128.00 for my credit card, not bad as we didnt have it long & the balance was never very much

Cool, how long have you been waiting? Gosh I hope this means Im going to get my PPI back from Egg too!

L

[wutus]

Originally Posted by di3004

Good luck with this then.

Found the details of the Woolwich here:

WOOLWICH LIMITED
1 CHURCHILL PLACE
LONDON
E14 5HP
If they are linked together maybe you could address it to Barclays.

Good luck with this.

Thanks ever-so
It was just a loan from the woolwich but found another old credit card statement which i have discovered had ppi on it ( but no longer use the card) but it is morgan stanley and cant find the address for this either, sorry any ideas i know they have been taken over too .
thanks again

[toolittletoolate]

Originally Posted by laalaa41

Cool, how long have you been waiting? Gosh I hope this means Im going to get my PPI back from Egg too!

L

it has took 2 weeks today to complete, so was really quick, just waiting to hear from egg again about the loan we had, but with postal strikes ect, this one may be delayed, also egg have been fined for being unfair so i think you will get your money back fast too let me know what happens

[di3004]

Originally Posted by wutus

Thanks ever-so
It was just a loan from the woolwich but found another old credit card statement which i have discovered had ppi on it ( but no longer use the card) but it is morgan stanley and cant find the address for this either, sorry any ideas i know they have been taken over too .
thanks again

Your welcome.

Found these details here, hope this is the correct address for you here:

MORGAN STANLEY & CO. LIMITED
LEGAL DEPT
25 CABOT SQ. CANARY WHARF
LONDON
E14 4QA

[beginner52]

Originally Posted by Scotties Mum

Hi,

I am sorry if this has been asked before, but wonder if anyone can give quick bit of advice on my Mum's Lloyds TSB loan.

She took a loan out for £7,500 over 5 years, and PPI was added.

Mum was 58 years old at time of loan, had been claiming DLA for years prior to the loan, (and still is), had breast cancer, and was effectively unemployed at the time, and is now retired anyway.

She has had a call and now a letter from a company who say she is eligible to reclaim the PPI, and will charge her 25% for a successful claim.

3 questions:
Is she potentially eligible to reclaim?
Should she use this company, or follow the templates on here?
Have people been successful in most cases against Lloyds TSB?

I am sure the answers are all on here somewhere, and will have a proper look through this thread later.

Thank you.

Hi there,

Had a similar experience with my wife who was 62 when the loan was taken out with Lloyds but thankfully we have not had the unfortunate illness issue which affected your mum. Used the templates on this website and received a reply within a month upholding the complaint amd now await payment which we expect to be a tidy 4 figure sum.

Hope this helps and good luck.

[marshallka]

Originally Posted by beginner52

Hi there,

Had a similar experience with my wife who was 62 when the loan was taken out with Lloyds but thankfully we have not had the unfortunate illness issue which affected your mum. Used the templates on this website and received a reply within a month upholding the complaint amd now await payment which we expect to be a tidy 4 figure sum.

Hope this helps and good luck.

I am sure your post will give encouragement to others in similar circumstances. Thanks for that.

[clarkygirl]

Hi am new to all this so would be grateful to any info.

I took out a Capital One credit card about 12 years ago and have been paying ppi on it from the start. I am not sure what I put down at the time as my employment. Is there any way of finding out? I am sure I may have been on benefits at the time, or working a few hours a week. I am sure I applied by post, but at the time I was grateful of any credit.
Then a few years later I applied for an Egg Card and have been paying ppi on that one too. I have never been in full time work in these 12 years as I have been a stay at home mum or just worked a few hours a week in a playschool.
What are my chances of getting anything back? And how can I find out what I actually put on my application form.

Please help

[maxdp]

Originally Posted by clarkygirl

Hi am new to all this so would be grateful to any info.

I took out a Capital One credit card about 12 years ago and have been paying ppi on it from the start. I am not sure what I put down at the time as my employment. Is there any way of finding out? I am sure I may have been on benefits at the time, or working a few hours a week. I am sure I applied by post, but at the time I was grateful of any credit.
Then a few years later I applied for an Egg Card and have been paying ppi on that one too. I have never been in full time work in these 12 years as I have been a stay at home mum or just worked a few hours a week in a playschool.
What are my chances of getting anything back? And how can I find out what I actually put on my application form.

Please help

Hi There use the template on this site and adapt to your purposes. If you are sure you were unemployed or full time mum then put that in your letter it is up to them to prove otherwise. A lot of the time these companies made you opt out of the PPI so when you filled the form in right at the bottom of the form in tiny writing you would have had an opt out box. This is now seen as bad practice. You have nothing to lose just the price of a stamp.

Send the letter and give them 40 days to reply and then let us know of their response. Send by recorded delivery just to make sure the letters do not get lost in the post Good Luck

[amersall]

hi max., long time no speak. how are you? missed you xx

[tiggrae]

Originally Posted by wutus

Thanks ever-so
It was just a loan from the woolwich but found another old credit card statement which i have discovered had ppi on it ( but no longer use the card) but it is morgan stanley and cant find the address for this either, sorry any ideas i know they have been taken over too .
thanks again

morgan stanley credit card has been taken over by barclaycard

[di3004]

Originally Posted by clarkygirl

Hi am new to all this so would be grateful to any info.

I took out a Capital One credit card about 12 years ago and have been paying ppi on it from the start. I am not sure what I put down at the time as my employment. Is there any way of finding out? I am sure I may have been on benefits at the time, or working a few hours a week. I am sure I applied by post, but at the time I was grateful of any credit.
Then a few years later I applied for an Egg Card and have been paying ppi on that one too. I have never been in full time work in these 12 years as I have been a stay at home mum or just worked a few hours a week in a playschool.
What are my chances of getting anything back? And how can I find out what I actually put on my application form.

Please help

Hi there
As Maxdp says, go for it, for more info with the guidelines of reclaiming, with template letters, check this link here, and please ask for help if required, good luck.
http://www.moneysavingexpert.com/rec...loan-insurance

[tiggrae]

Originally Posted by clarkygirl

Hi am new to all this so would be grateful to any info.

I took out a Capital One credit card about 12 years ago and have been paying ppi on it from the start. I am not sure what I put down at the time as my employment. Is there any way of finding out? I am sure I may have been on benefits at the time, or working a few hours a week. I am sure I applied by post, but at the time I was grateful of any credit.
Then a few years later I applied for an Egg Card and have been paying ppi on that one too. I have never been in full time work in these 12 years as I have been a stay at home mum or just worked a few hours a week in a playschool.
What are my chances of getting anything back? And how can I find out what I actually put on my application form.

Please help

you can apply to them both for a subject access request, it costs £10 so send a cheque - they may not have retained it as it's 12 years ago but if you were not employed the insurance would have been useless to you - so you've been paying for an insurance you couldn't claim against so you have a good claim - your may problem may be how long ago it all took place

[ric76]

have 2 loans that have both been sold with single premium ppi can i claim the ppi back, if so do i have to cancel the ppi first?Is being sold single premium ppi enough on its own to make a claim? one of the loans is from 06 and the other is from 07. All advice would be very welcome

[di3004]

Originally Posted by ric76

have 2 loans that have both been sold with single premium ppi can i claim the ppi back, if so do i have to cancel the ppi first?Is being sold single premium ppi enough on its own to make a claim? one of the loans is from 06 and the other is from 07. All advice would be very welcome

Hi there

If mis sold for any reason then yes, you should give it a try.
There are many reasons, and being sold these single policies are a right rip off, but if there are more reasons that also occur to you as well then write them in your letters as well.
It the loans were/are with the same bank you can keep to the same letter, if mis sold for the same reasons, but remember to write both account numbers at the top of your letter.

Or otherwise if different banks, do them separately.

For more info on reclaiming - with the guidelines of reclaiming, a checklist of mis selling reasons and this includes template letters, check this link here:
http://www.moneysavingexpert.com/rec...loan-insurance

If you require any help, please post up.

In regards of cancelling, as its after the cooling period, your loan may not be reduced by very much a month, of course its your choice if you want to do this now or later on.

Good luck.

[amersall]

Originally Posted by ric76

have 2 loans that have both been sold with single premium ppi can i claim the ppi back, if so do i have to cancel the ppi first?Is being sold single premium ppi enough on its own to make a claim? one of the loans is from 06 and the other is from 07. All advice would be very welcome

hi there, i agree with di if you cancel this ppi, because it was a single premium this will still be on your loan and you do not get large rebate also your payment doesnt go down by much. who are the loans with?

[maxdp]

Originally Posted by amersall

hi max., long time no speak. how are you? missed you xx

Hi Amersall

I am fine thank you. How are you doing? Any news to report?

[ric76]

the loans are with beneficial finance and the co-op bank i know that beneficial have been fined ,what i would like to know is ,being sold as a single premium on top of your loan and then having interest on top of both is this a good reason to claim the premiums back

[di3004]

Originally Posted by ric76

the loans are with beneficial finance and the co-op bank i know that beneficial have been fined ,what i would like to know is ,being sold as a single premium on top of your loan and then having interest on top of both is this a good reason to claim the premiums back

Hi there
Yes this is fine.
And of course being sold a Single policy for example which would only cover you for 5 years for a loan of say 20 years, this type of policy are now banned and are frowned upon.

If they did not explain to you the full cost of the policy, exclusions, the list goes on, with the interest added its very extortinate indeed.

Go for it, good luck.

[clarkygirl]

Thanks for the advice. Will start the ball rolling on them both. Should I cancel the ppi on them now? I am still using the capital one card but the Egg one has been payed off recently so it has zero balance.

Many thanks