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PPI Reclaim
Hi Just wondered if anyone can advise whether there is a fast track process in place for complaints going through the FOS when you are in Financial hardship. I am paying £108 per month to PPI insurance that I can do without paying. Any help is gratefully received. Thanks
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Quick question - Does a PPI cover both parties?
Hi, Just a quick clear up question, The mortgage is in mine and the misses names. The morgtgage gets paid out of a dedicated RBS joint bank account where only the wifes wage goes into. Now do we each need a seperate PPI incase one of us gets made redundandant or will one policy cover us both? So if I get made redundant I…
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Mbna help
I wrote to MBNA in June re PPI and after several reminders they agreed to pay me back £986.16 + £73.83 which they said would be credited to my account. I wrote back immediately and said I wanted a cheque and have just received another letter saying that they are looking at my complaint and will be not respond till early…
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First Plus PPI - Nearly 1 yr with no progress
Prior to January last year I attempted on two or three occasions to complain to First plus about PPI which was just over £11000 on top of a £25k loan. They rejected my claim outright with no justification although I firmly believe that we have a case. So I began working with a company (TLW Solicitors Newcastle) who…
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MBNA PPI reclaim question
I recently discovered that the PPI that I have been paying on my MBNA credit card that I took out in 1999 was optional. I have written to MBNA explaining this and they wrote back advising that I took out this policy after a phone call from one of their salespeople shortly after opening the account. I have no recollection…
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Freedom finance Final Response
Hi recieved email from freedom today letter also in post, basically saying that we signed everything stating that we had read and understood the terms and conditions of the 2 policies concerned. That we were told it was a single premium which was added to the 2 loans, but we didnt know any different until i came on this…
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Barclaycard backlog
Just to let everyone know I have been on the phone to progress chase a claim for mis selling of PPI on a Barclaycard and the advisor told me they are still working on claims registered in SEPTEMBER!, so for anyone with a claim ongoing it may be a long wait. FOS after 40 days methinks....:mad:
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PPP on secure loan
Hi, I've been looking through my T&Cs with the secured loan I have, it states that the PPP will be payable over 5 years but it isn't clear that it will cover me for the duration of the loan which is 10 years. It does state that I may be entitled to reclaim the PPP on the 5th anniversary of paying it. Do I have grounds to…
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Should I phone mbna back or keep writing letters?
Hiya, I received a call from MBNA bank yesterday stating that they are looking into my complaint about ppi and that they would like me to call to discuss this further. Should I call them to give them a piece of my mind or should I keep everything in writing incase it has to go to the FOS? I know some of these call centres…
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PPI Info and Queston
Hi all and thanks for a first class forum. Currently written to HBOS re. miss-sold PPI on a personal loan taken with Capital Bank in 2004 and PPI charges applied to a BOS Preference Account I had running since 1983. After about a week I recieved a call to discuss the problem further which they have agreed to investigate…
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phone call from fos
Hi all i have picked up a message on the answerphone from the fos today but when i went to get a pen and paper the message had gone :mad: all i can remember was that it was a guy with the name kemp :o my mind is now working overtime wondering why they phoned and hoping against hope that its an offer even though i very much…
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Flimsy?
My OH is about to reclaim her PPI premiums from an MBNA credit card -after receiving the SAR documents. The application form has the PPI box ticked and she says that she automatically ticked the box as she always done for all loans that she had previously applied for. Now that she wants to reclaim(and has seen the light!),…
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advice re pc world/hfc
yet more fun..... I've phoned HFC up cancelled the policy, wrote them a letter trying to reclaim the monies I've paid, all of a sudden I've had a letter off PC World asking for the following information:- A copy of the finance agreement entered into with HFC |A copy of the purchase agreement Details of any claims made in…
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Firstplus PPI
Hi I am currently involved in a PPI claim against Firstplus, I have gone past the 8 weeks and in fact i am now going into week number 13 and no response in the meantime I have contacted the Financial Ombudsman in relation to this can anyone advise me am I able to pursue the claim alongside the Ombudsman i.e send them…
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Welcome car finance PPI reclaim
Hi, I have sent my 1st letter to reclaim PPI and have had a response from welcome with a question sheet in which the want me to return within 1 week, they have not refused to pay (like I expected!) do I just fill it in and return or go on to next letter? The questions are things like 'when did you first become aware you…
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Lloyds TSB want to pay PPI back on to loan.
Hi all , I'm new on here and new to the whole PPI reclaim, i followed the advice given out here using the templates provided and LLoyds TSB have offered to pay back the PPI. This was sold as a lump sum and added to the start of the loan, however although they have offered to pay it back they want to take it off the loan…
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Halifax and PPI
Hi all I am about to claim PPI from Halifax from a loan back in 2003 for 20K for which on the form is a tick against yes to accept PPI but cannot remember ever requesting. There is my signature in the usual place but not against the PPI. I just believed that the amount to pay each month was what it was ! This is my first…
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PPI on Loan Help
Hi My dad took out a loan with LLoyds TSB that included PPI. I sent the bank a letter asking for the premiums back as my dad said the bank were quite pushy and implied that he wouldn't get the loan without the PPI. He also wasn't told he could "shop" elsewhere for the equivalent cover but cheaper. The bank sent a letter…
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First National ppi claim
Hi Me and my hubby took out a loan in 2003 with First National, the Broker was Norton Finance. We have attempted to reclaim the ppi, which I believe we have a good case for, but have been turned down, took this to the FOS who said that Norton were not regulated in 2003 and neither were they members of the GISC. Is there…
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Can I reclaim GAP insurance from AA Loans?
Hi everyone! I've been looking at various boards on MSE for a couple of months now and decided to check through my loan agreements to make sure I wasn't being charged PPI. It was all going well, until I read through my AA loan agreement (taken out December 2005) and to my horror I was charged £199 for something called GAP…
