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FOS..am i covered
my complaint about nortons/firstplus is with the FOS...am worried as it is a 2004 loan... Will the FOS help me ?
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Please Help Can We Claim Back On Car Finance
Hi Can Someone Help, We have Had Car Finance With The Same Company For The Last 6yrs, First Responce Finance, We have Always Paid Our payments Weekly, Do We have Any Chance Off Reclaiming The Intersest Which Was Added Too The Total Amount, (Car bought For 6,000 interest Added Total 12,000) (Car Bought For 5,000 Interest…
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help with reclaiming loan ppi
hi all, 1st post so all help appreciated! will try to keep story short & simple so here goes... i took out an unsecured loan about 2 years ago for £10,000 with co-op when self employed and was not really informed about being able to refuse ppi and was told was necessary, which i believe was useless as was self employed, so…
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have I made a mistake with my second letter
Hi everybody As some of you may know, I had a reply, from Black horse week, saying that they did not agree with my complaint etc. I wrote my 2nd letter saying that I would give them 14 days to respond otherwise I would be taking my complaint to the FOS. BUT, should I have said in that letter how much I wanted back. The…
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Have we any chance of reclaiming???
Hi everyone! After months of lurking this is my first post! Me & my husband are slowly geting our finances back on track. Neither of us are very money savvy as you will gather when I say that we have only just realised today that for the past 15 years plus we have been paying a yearly buildings house insurance of about…
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Can I claim mine back?...
Hi all, I would really appreciate any feedback on my PPI loan situation. I took out a graduate loan for £5000 back in 2005 with Barclays, and was sold PPI. However, at the time I was only on a temporary one year contract, and I remember mentioning this to the lady who was setting up my loan, and she said this was fine. I…
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Mother In Law PPI (Pensioner)
Hello everyone I'm now dissecting my MIL paperwork. She's about £4.5k in debt (loan, overdraft with Lloyds TSB). I've paid her arrears in mortgage, utilities, etc, cancelled all DD because she's getting charged exorbitant fees with Lloyds and I've opened a basic account for her pension to go in (not this month's because it…
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On DMP with CCS but wish to reclaim PPI
If anyone could hel2003p I would be really grateful. I on a DMP with the CCCS and currently owe a total of around £19,000. Recently I came across this website and was reading around reclaiming PPI insurance. Since around 2003 I have had loans with PPI and have always been told I should take it out or just presumed it was…
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Very Confused...
Hi there, I was very naive when I did a balance transfer over a year ago to a 0% interest credit card, even more naive when I then ended up using it for payments. I know now that's the stupidest thing to do, but as I say, at the time I was naive. Anyway, when I took the card they woman told me that I'd best protect myself…
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Miss-Sold PPI on a Loan Paying Back on Reduced Payment - HFC
Hello Everyone I thought I would join the forum and ask for advice since there seems to be so many people who are in the know, or know what to do....I can't seem to find anything like my situation so I will post in the hope someone can advise, or move my post to a relevant area. On 28.5.05 my partner at the time (we are…
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Have I a case with Paragon?
Afternoon all, Been looking through this website for the last few days, im hoping that someone may be able to give me some advice Here is the story.... Ok, so got a secured loan in Feb 06 through Paragon Personal Finance, through freedom finace! loan amount £11,000 lenght of time 108 months PPI £3190 period of cover 60…
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need help for reclaiming ppi from ltsb
hi i would appreciate any advice from anybody. we took aut a loan from ltsb in 2005 for £17,800 ins was 2,285.08 + interest. it was in my partners name who was self employed at the time.we have sent a letter to ltsb. when we ran into financial difficulties we passed the debt onto a debt management company and they told us…
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payment protection Help please
I bought a car a few years ago from carcraft on a finance agreement and feel that I was mis-sold payment protection. The finance company was on-line finance. My question is who do i direct my letter to i.e. will it be carcraft or on-line finance? many thanks for your assistance
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"rule of 78"
I have just received my SAR from Welcome Finance and I notice a term rule of 78, this being how they calculated my redemption figure. As I am not a lawyer I don't know how to apply this rule and how I could work it out myself.I remember querying my redemption figure at the time and was told the computer did it but I now…
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halifax credit card
hi all new to this had a credit card for over ten years always had the ppi cant remember how it was sold to me reading about claiming what should i do thanks
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7 Marketing Ltd
Please can someone help. I have been contacted by 7 Marketing, paid £199.99 and now I have been told to pay £200 upfront and 20% off the claim when it goes through that’s the solicitor fee against one claim. Soon I was made redundant, I got in to so much debt and I am finding it had to get back on track. I am so desperate…
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central trust ppi
Hi new to posting. Just received a letter today from central trust whom we have a second mortgage with. This basically reads:- In order to try and assist you in relation with your arrears this letter is to confirm that you have insurance cover in relation to your loan (they have then submitted a form for us to fill in…
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Reclaiming PPI advice...please!!
Having read various forums on this subject i'm trying to find out as much info as possible before I begin any reclaiming procedures. Less than 6 years ago i took out a loan and was told that in order to get the loan approved i would need PPI as at that time I was Self-Employed. Over a year later I began a full time job but…
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Advise needed
Advise needed! Have been reading the sites page on reclaiming ppi on loans and credit cards. Have noticed that many of the claims have been on the loans people have taken out and not the credit cards. Was wondering if there is anyone that has been successful with reclaiming credit card ones. I have a Barclaycard, which i…
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Shop Direct / Littlewoods Mail Order
Just had letter back from Shop Direct / Littlewoods refusing to refund my premiums for mis-sold insurance. They say I agreed to the policy even though I was told it was essential with my account and I cannot complain to the FOS as they were members after my policy was taken out! I have just wrote back clarafying some of…
