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PPI and Outstanding Loan Letter
Hi all I will be posting this off to the company concerned with regard to my PPI charges and loan repayments in the next couple of days and would appreciate some feedback on my letter - To whom it may concern, In Light of the current economic climate and following a review of my personal finances I am very alarmed with…
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FOS claim how long will it take?
Hi I would appreciate any help from anyone who has recently been awarded an adjudicator from the FOS for a PPI claim. I put in an application to the FOS in March 2008 but i haven't had been moved to an adjudicator yet. They have all the paperwork from the bank (who rejected my claim) and from me but still no luck. i have…
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I Work In PPI Complaints Dept.
First of all, can I say thank you for keeping me in a job. Secondly, I can't believe the amount of so called intelligent people who sign credit agreements without reading them - and thirdly, so many people havin' a laff. You claimed on it for 12 months, how can it have been missold when you would've been so far up s**t…
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A question
Im only a newbie so forgive me if im not making much sense. When i turned 18 i took a loan out with HSBC, which i repaid early. When sorting out my paperwork, i noticed i took PPI out on the loan- which i remember something about Insurance being talked about but not actually agreeing. Is it worth me writing to HSBC as when…
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If Company Does Not Resond By Deadline In Letter Are They Liable???
Hi All, I sent off my first stage letter to Black Horse which they responded by refusing our claim. I then posted my second stage letter (copied from this website) and sent this recorded delivery asking for a response within 14 days of the date of the letter (letter dated 07/02/09). Black Horse signed for this letter on…
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Can you have two PPI's???
Hi All, just a quick question. Is it possible to have two Payment Protection Policies on the go at the same time. I have a joint policy with the wife which covers both of us; paying 125% of my monthly share or her monthly share of the mortage in the event of unemployment for a period of 12 months. However, can I take out a…
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Lloyds TSB Credit Card & Loans - overseas now
HI, I am new to all of this.... so please bear with me! I am wondering if I can claim back PPI on my Lloyds TSB Credit Card/Loans that I have had with Lloyds? I had a graduate loan back in 2004, and also took out a credit card at the same time. The loan has been paid off, and the credit card had a good 2k on it each month.…
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Payment Protection Payements
Hi not sure if this is in the correct place, if not, i am sorry. However, I recently made a claim on my Payment Protection Insurance on my credit card, but I was also told by the PPI company (London & Edinburgh) that I would have to continue making the payments to the PPI. Is this legal, or can I claim this money back, as…
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Next Payment Protection
Hi, I wrote a letter to Next asking for the PPI payments I have made to them back and had this reply: "I can confirm that PPI on your account started on 18 July 2000 and has been included in every monthly statement since that date. At the time your account was opened, you would have had to specifically request that the…
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Reclaim of Credit Card Insurance
I had a credit card from Egg for 6yrs, recently moved it to 0% as they upped the interest rate to 26% and thanks to advice on here, getting a handle on being better with cards etc. Anyway, on closing the account I noticed that Egg had been charging me for PPI on the card, when I queried when this was taken out they said…
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Advice on Lloyds response letter please
Hi everyone, I'll try and paste the letter I got from Lloyds. Can you guys advise me weather to continue with the second letter or not. All help greatly appreciated. Lloyds TSB Insurance Customer Care Lloyds TSB Insurance Tredegar Park Newport South Wales NP10 8SB Telephone: 0845 300 5599 Facsimile: 01633468835 PRIVATE &…
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Advice needed for response letter from Abbey
Hi there I sent the template letter to Abbey to start my claim for PPI insurance on my loan. They have sent me a letter asking me to complete a series of questions. They are as follows: My occupation and employer; Marital status; Any dependants; My earnings; My outgoings; Details of any other PPI policies I hold; If i…
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P.p.i. Pre-paid
Wonder if anyone can tell me if the P.P.I. I was sold with my loan from Nemo Finance is reclaimable. The full cost of the insurance was added onto my loan of £18,000(over £5,000) and I have to pay that back plus interest. In other words I have paid all the insurance premiums up front. Is this right? I am actually paying…
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HFC PPI offer- Need Advice?!...
Hi All, I received a very interesting letter yesterday from HFC regarding my PPI claim. Now, I must explain that the loan I originally took out with them was paid off early (re-written) against the account I claimed against.. I am concerned this has now been transferred to the new loan account and also as I know I have…
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ISMart-First Plus
Hi everyone, I know I should know better but I am about to return some forms to try and reclaim PPI for a FIrst Plus loan I had from 99-2000 that I settled with the equity from my house, they also charged a rather hefty early settlement fee which I had to get a loan out for because of the position I was in at the time.…
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BH Finance-Can i claim back PPI
On checking my loan with BH Finance ,it has PPI , i remember at the time the "sales person" said we had to have the PPI or no loan or pay something like 20+ %APR( we consildated a 4k loan / car purchase, (with BH) ) Can i claim the ppi ? or cancel or both ?:confused:
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FInding out whether I have PPI?
How can I go about finding out if I have paid PPI on any of my credit cards - current and old ones?
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Argos Ppi Coversafe Insurance
HAS ANYONE HAD ANY LUCK IN CLAIMING BACK THE PPI FROM ARGOS. I SENT THE FIRST LETTER TEMPLATE AND THEY SENT ME A LETTER BACK WITH A COPY OF THE AGREEMENT I SIGNED. THE APPLICATION WAS MADE OVER THE PHONE BACK IN 2001 AND THE COVERSAFE INSURANCE WAS TICKED AND BECAUSE I SIGNED IT THERE IS NOTHING THAT THERE CAN DO. I SENT…
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RBS and Sainsburys - What address?
Hi there, i am about to send the template letter asking for a copy of my loan agreement with RBS but not sure what address to send to? I also had a loan with Sainsburys Bank which finished around 3 years ago - could on this given the timescale? If so, anyone know a useful address for Sainsburys? Anyone have any ideas? Many…
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im not sure what to do!
hi i took a loan out about 2 years ago for 1000 the loan is with halifax ok thing thing is i was reading about ppi and the misselling of this product halifax sent me a loan agreement which included a seperate page for the ppi i signed the loan but didnt sign the ppi agreement 2 days later i received a phone call telling me…
