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PPI on Credit Card
Hi Guys I had a Lloyds Credit Card a few years back and had PPI on it. It was only small amounts charged each month but I was a student this led on to charges being applied I have successfully got back my charges. But can I still reclaim the PPI? I know how much it was each month only totals around £60 but it all helps.…
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Welcome PPI
A few years ago I had a secured loan with Welcome, taken out in Jan 05 and settled due to remortgage in Aug 05. I'd taken the ppi as I was told no loan without it but when it came to claiming on it I was told I couldn't. Fast forward to last month, I sent a Sar to Welcome as now got car finance with them, and was expecting…
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next step in reclaiming PPI
I sent the standard first letter to my bank, HSBC, they sent me a letter back saying they were looking in to it, they then sent me another letter, saying it was taking longer tan the required 8 weeks but they were still looking in to it and I should hear from them in the next 4 weeks. Is now been 4 weeks and ive not heard…
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PPI Settlement Help
I was mis-sold a policy and downloaded a template from this website to ask for this to be reimbursed to me. Yesterday I received a letter from the company who have offered me 50% of the payments back as settlement. What do you think my chances of getting 100% back is if I reject this claim and is there any templates I can…
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Help with response from Black Horse please
Hi all, I have had a response from a letter to Black Horse requested to pay back my PPI as at the time of the loan i was told that i would probably be unable to get the loan without PPI. At the time the loan was taken out i was in quite a desprate position and agreed to take out the PPI. I took the loan out back in…
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Is CPP (Argos card)....
the same as PPI or is this another type of protection? My Mother (pensioner) knew she had paid off the balance on her Argos account, but now has showed me a statement showing £29 CPP subscription, £1.61 interest and £12 late payment fee. She didn't agree to any type of insurance and is now in a tizzy over this and I said I…
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Can i challenge this?Need some advive please.
Got a secured loan with 1st ****. Anyway...split with wife...need to safe some money so,i thought cancel the cash back insurance on the loan (3 years into the 5 year term of ins contract). Now the ins is 80 QWID a month for 5 yrs to get 11K in 5 yrs.Alas,thats not gonna happen...but,they ve said they will cancel the ins.So…
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Halifax! No record of loan!
I sent off the letter etc and got a letter back saying to ring them (halifax). Spoke to nice lady who says they have no record of my loan. I don't have the paperwork as was settled in 2005. The loan is on my credit report and also have bank statements with the payments coming out. Anyone help as to my next step???
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freedom finance/paragon ppi claim
in september 2005 my partner and i applied for a loan from freedom finance for £25000. after answering questions over the phone relating to employment, sickness etc we were asked if we had insurance. we said we had life and mortgage insurance. the person on the phone organising the loan said that we should take their…
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Success At Last! (Citi Financial)
Hello, Advanced apologies for the long post :rolleyes: I first sent a template letter from this website to Citi Financial Europe PLC in September 2008 regarding mis-sold PPI on two loans (2nd loan is a re-structure of the 1st loan) taken out in 2006 and 2007. The complaint has gone all the way and after a long wait, I have…
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Financial Ombudsman Problem
Here's an interesting one (I think at least). Has anyone else had any problems with the Financial Ombudsman service itself. I have a query with GE Money where I believe they owe me PPI as I paid a single term premium for 10 year cover and paid within a year. I wrote to GE and was told no case to answer so mailed the FOS…
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why six month
could someone tell me why the fso put a six month time limit on claims for missold ppi having seen figurs that say some banks reject upto 99% of claims
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First plus response to claim
Hi All I am new to this reclaiming lark and have started off with First Plus (trust me I have several to go yet)!! I wrote to them in August giving them a month to respond, got the usaul letter saying they would respond by 18 /09 and today got a response saying that they have downloaded the relevant telephone calls but…
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reclaim PPI
Hi, this is my first post. I took out a secured loan with First plus in 2003 with the PPI. I did successfully get the 'cashback' after five years. I still feel the PPI was mis-sold to me, can I still make a claim for a refund of the fees and interest due to mis-selling? If I can how do I go about it. I dealt direct with…
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PPI first timer
Hi all, I wonder if you can help. I have read Martin's information on reclaiming PPI. And I have sent off the request for the original agreement for my loan. This will take 40 days. The question is this, can I proceed straight onto the next stage for reclaiming the PPI on cards without the original agreement? I don't ever…
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Restructuring of loan after ppi charges refunded
Hi, I recently contacted my bank HSBC about ppi charges on my loan. They have offered me a refund on all ppi paiyments. But my main concern is, is that they need to reconstruct my loan before they do this. I am afraid they will recalculate the interest again? Is this the norm to recalculate it? Daniella
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First Plus / Barclays
Evening all Thanks to this site I successfully claimed my ppi back from First Plus. Now about a week after I sent our acceptance form back we both received letters from Barclaycard stating that they were closing our accounts and they were unable to discuss the matter as it was compnay policy therefore confidential. Took me…
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Reclaim PPI from canceled policy?
As you may have seen in my other thread we have just sucessfully claimed from mbna, which got me thinking… my girlfriend has a barclaycard. A few years ago maybe 3, I seen her statement and she was paying ppi. Back then I told her to cancel it as she was a student so it was no good. She rang up and cancelled. Would we now…
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First plus loan ppi - sheer greed
I am paying a First Plus loan solely (even though this in joint names with ex), which is costing me £708 per month including a PPI. I was out of work for 3 months from Aug 08 – Nov 08 and when I went to claim off of the insurance, they said that I was not able to because I had been contracting, I therefore wrote a letter…
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HFC Response - help needed!
Hi, I sent the first template letter to HFC regarding a loan my husband took out with them a few years back. They have sent us a letter saying basically, that's it tough luck. They feel the policy was not mis-sold and if we want to take it further, write to the ombudsman. Should I send the 2nd template letter or just go…
