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Advice when debt sold on
Hi All, In the process of claiming back PPi from HFC credit card and think it is a no brainer as the no box is clearly ticked on the application form, anyway I have a call from them tomorrow to give me their answer after their investigation. The trouble is that I got in to financial difficulties and they sold the debt on…
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credit care
hi, can i claim on the following old AA account? I had an old AA credit card account that i opened back in 2005,but have since cleared the outstanding ammount and have closed the account and payed up. Theyhad been charging me on the statment what they call (CREDIT CARE) To my knowledge i never agreed to this. is this the…
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Loan Protection
Hi Can anyone help I have Bronze Loan Protect on a Loan from Black Horse. This a secured Loan. The Bronze protect only covers for death on either myself or my partner and I took this protection as the seller at Black Horse advised me that this was necessary. Was it necessary? Can I make a claim for on this if not necessary…
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ppi reclaim A&L
Result! first template letter to A&L using grounds only 1st named person covered in the small print at the time thought joint applicants were covered got a reply saying will they were unable to establish if we were given sufficient detail and will repay the PPi plus interest total £390 only expected £180! definatley worth…
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Can they pay the money to me
Please help!!!! I have just been told by the abbey that they will refund all the ppi charges to me which to me at the moment is a lot of money. However - here is the catch. the loan is on a repayment scheme as the abbey passed on the loan when I couldn't make payments when I was on maternity leave, they are saying that the…
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How can I get the Money owed to me
PLEASE HELP! I have just had confirmation from the Abbey and MBNA that they will repay all the PPI charges that I made. At first I thought that this was great however they want to refund these charges to the amount outstanding on the loan and cards, which are now on set repayment schemes. with the case of the Abbey which…
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Does anyone know if this is correct?
Hi everyone, just wondering if you could help with this: My fiance has a loan with RBS, and has PPI on the loan which we didnt realise he had until around a couple of weeks ago. I have sent the appropriate letter off from the template on here. But, as soon as we realised he had the PPI he phoned up RBS to cancel it. They…
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Urgent lloyds tsb advice please
Good Afternoon Everyone My husband has had his complaint upheld and a refund is to be made. However, Lloyds TSB have asked my hubby to sign an acceptance form without any mention of the refund amount. After speaking to the FOS, I have ranf Lloyds and informed them, that he is reluctant to sign the form without a figure. I…
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Can You Trust Claims Management Companies
Has anyone seen this article in today's Times timesonline.co.uk/tol/money/borrowing/article6868218.ece I for one do not trust them!!!
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EGG - Letters sent, no response
I am attempting to reclaim from Egg, i have now sent two letters, both by recorded delivery but have had no response. The latest was sent on the 22nd September, i have just attempted to track the letter using Royal Mails web site and it says the letter is in their delivery network. My last letter is untraceable apparently.…
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Bank lost Cheque
Hi All. I deposited a Euro cheque into my account and the building society in question had to send this to a clearing bank and said it would take 6-8 weeks to clear. I agreed and signed a contract to the charges and the time it would take. 5 weeks after i had deposited the cheque the bank wrote to me to tell me that the…
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Old loan
Hi all I am after some advice, I have just recently reclaimed my PPI ins with Halifax. I used this Halifax loan to pay off a loan I had with Nationwide, just wanting to know how I go about reclaiming from Nationwide. I seem to have mis-placed the paperwork! Can I still re-claim even though the loan is paid off? Many thanks
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charging order claim ?
hi i had a charging order against my property i have paid it off with a remortgage can i claim on ppi
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bank of scotland deny request paperwork
hi....i have written to the bank of scotland requesting the paperwork for a loan which finished in 2007 . they have written back saying and i quote: subsection 77(3) of the act provides amongst other things that section 77(1) does not apply to an agreement under which no sum , or will or may become , payable by the debtor.…
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Help with ombudsman letter
had a 10k loan with alliance and leicester ends in april 2010.Have paid 2220.00 in ppi.Had 1 claim July 2007 for 231.53 1 month off work.A/L have wrote back saying not misold due to my claim.have phoned them to cancel ppi for last 6 months but told ppi and intrest come off at start of loan so its all paid up and if i…
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Halifax Loans PPI
I took out various loans with Halifax between 2003 and 2006 and had PPI's on 5 of them, I was always under the impression that I had to take them out to get approved as I was only 18 when I took the first one out and wasnt earning a great amount. Does this mean I was missold? I did send the first templated later on the…
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PPI and company out of business
Hi i have been reading about the PPI insurance. I had 2 doorstep loans a couple of yrs ago with London Scottish both had the PPI insurance on them and totaling just over £500! I was not working at the time but was made to feel i wouldnt get the loans without this insurance. London Scottish have gone out of business now and…
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Am I able to cancel?
Hi all, I've held my Halifax credit card for as long as I can remember. My online statements go back as far as August 2008, but it has been much longer than that. I took out PPI at the time of opening as I believed I might need it, very naive I realise, but I was scared incase anything happened to my employment I would be…
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Should I take these offers from Lloyds TSB? Or go to the Ombudsman?
I have finally got responses from lloyds regarding ppi for 3 loans I've had with them, 2 of these I had consolidated Loan 1 took out on 15/10/02 for £2000. PPI was a one off premium of £518.62 plus interest. They have said that when I settled this loan on 12/04/04 that I received a net rebate on the PPI for £319.67. They…
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GAP Insurance
Hi I had GAP Insurance with my car finance agreement and cancelled it a couple of months into the agreement. The Insurance company told me that no refund or rebate would be given as i did not cancel within the 14 day cooling off period. What makes me mad is that the premium of £399 was paid upfront(which i now beleive the…
