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MBNA next step advice
Hi All I have just received a response from MBNA after using the first template letter requesting insurance charges on the account. It turns out that since 2001 I have paid them an astonishing £5000 for PPI. I recently cancelled the insurance, the advisor told me that even though I have always been self employed the…
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lloyds tsb loan ppi reclaimfinal response letter
dont no what to do. made a complaint to tsb on 9 oct 2009 about possible misselling of ppi with my bank loan and have received the banks investigation report/final response letter . you informed me you had to take ppi to get the loan. claim rejected. i did not claim i had to take ppi but it was suggested to me that the…
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Won Lloyds/TSB PPI......
Hi all, Just a VERY quick question, I have been 'awarded' £1800 by Lloyds/TSB in a PPI claim (thanks so much MSE), BUT....rather than give me the money that I have overpaid, they are taking it off the loan itself. They have said, 'tough' if you have a problem with this decision, then take the case to the FOS! I have done…
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Miss-sold...miss-lead ??
It seems that half the UK population has been miss-sold. What does this really mean? From most of what I have read on the forums people have either: 1. Not been given correct information about a product they have been asked to pay for. 2. Been told that it was necessary to purchase a product when it was NOT. 3. Been sold a…
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Miss-sold...miss-lead ??
It seems that half the UK population has been miss-sold. What does this really mean? From most of what I have read on the forums people have either: 1. Not been given correct information about a product they have been asked to pay for. 2. Been told that it was necessary to purchase a product when it was NOT. 3. Been sold a…
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Can I claim back phone insurance
I have recently discovered that I have been paying mobile phone insurance for a phone I no longer have. The amount of £5.99 came out as a direct debit each month, it was only recently when I tried to claim on a stolen phone and I found out I didn't have insurance on that phone, that I looked in more detail at this direct…
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Statutory Interest
Does anybody know how this would be calculated in respect of a PPI refund? The letter templates request that 8% statutory interest be added. But is this 8% on top of the sum you are due ( ie payments refunded + interest incurred becuase of those payments) or is it 8% per annum? Im asking because i was paying PPI for around…
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First Plus - stalling tactic?
I sent a letter to FP a few weeks ago claiming miselling on a PPI of £838 on an agreement taken out on 18/11/03. I cleared all the £6000 loan and PPi in a single payment around 18 months into the 10 year agreement. Recieved a reply from FP stating that as the poilcy was sold by a broker they cannot investigate the matter…
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Aqua card Help please
Afternoon my wife has an Aqua credit card she got this is Sept 2003 with ppi (it’s that long ago she cannot remember if she agreed to it or not, I suspect not) Anyway move on to august this year unfortuonalty my wife needed to make a claim so I call up Aqua and they give me the number of Halifax Insurance Ireland limited…
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Black Horse PPI
Looking for some advice on my loan that I have with black horse, after hearing of people claiming for PPI I have been having a look through the policy paperwork and have noticed that there is a figure under other financial information for optional payment protection, I took the loan in sept 08, but was basicaly told that…
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PPI Capital One - declined and need your advice please?
Hi folks A couple of weeks ago i sent out a batch of complaints to get back PPI i've paid on various credit cards for many years. Slow progress, as expected. Capital one have replied with a letter telling me that i requested PPI on my original application (copy was enclosed), 30 day cooling off period, policy document,…
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Marbles loan ppi
Hi there, I had a Marbles loan, taken out in 2004, paid off in 2006, have requested cca with £1 postal order and heard nothing yet. Sent it Oct 19th. The loan was for about 6k so probably good whack of PPI on it that I want tor reclaim. Anybody have another address I can write to or an idea what I shoud do next?
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Medical condition - HIV+
I have had paid out thousands of £££s on PPI on my TSB credit card over the last 12 years or so, was never asked about my medical condition, also spent a few years unemployed and living off savings, never making a claim on PPI, i cancelled my PPI about 1 year ago when i realised it was not compulsory, I still use my TSB…
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PPI claim
Hi Looking to claim for PPI mis sell on a graduate loan i took out with HSBC - just finished paying it back last month. My question is - isx it common for the bank - if they agree on the mis sell - to then request things like overdraft and credit card balances re paid. I guess it wouldnt be a huge problem if they did - get…
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Had letter off Swinton - advice please
Swinton have wrote to me saying - * you were sold payment protection insurance by swinton * the fsa have found failures with our process of selling PPI * you may be entitled to a refund * please read this letter and respond if necessary 'If you have concerns about the PPI policies or the way they were sold to you, we will…
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My Nationwide PPI claim rejected
I was sold PPI by Nationwide when I got a credit card back in 2004, I recently sent a letter to them trying to reclaim the charges as I believe it was missold, however I received a letter back informing me that I originally signed for the PPI and due to this they have rejected my claim. Is there any steps I can take to…
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2nd letter to yes car credit
Hi Can someone please read this and let me know if it is ok? I would first like to thank you for your prompt response. I would first like to refer to the SAR that was sent to me on 5th November 09. I have attached a copy of the letter that you sent with it. It says that there are a number of letters enclosed dating from…
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Can I claim?
I have a sentinel mortgage payment protection policy that incurred a rate interest in June, it was around a 10% increase. The policy is an annual renwable policy but I pay for it monthly via a finance company. Does this mean that I will be entitled to a refund of the increase even though this an annual policy (paid…
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Barclays PPI claim still waiting for decision what to do next
In August I sent off 2 PPI reclaim to Bank of Scotland and Barclays Bank Of Scotland agreed I was misold and last week a cheque for 4 thousand arrived now with Barclays I have got back 3 letters, first one in Sept stated they would make a decision by end of October, In Oct I got another letter saying they are awaiting some…
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Welcome finance
Just got off the phone with Welcome finance about 7 current claims I have with them over mis-sold PPI. They are telling me that any loan taken over 6 years ago will not be dealt with as they say that this is too long ago although at the time of my complaint it was litterally only days over. Also they are now saying that…
