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reclaiming off mortgage and home owner loan?
hi ive had a hsbc mortgage with ppi running for about 7 years and another loan with nemo finance which has been running 2 years with ppi+critical illness built in to the same payment. as these are still running can i just ask to cancel my ppi and ask for a refund for what i have paid over the years? im probably reading…
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Lloyds TSB - Creditcard PPI
once again, they declained my claim, stating that it was optional when i applied, therefore they can't refund me the charges, also i complained about not receiving the ploicy docs-reply from them saying they have confident that they sent out all the docs, also the PPI states on my statement each month, which i would've…
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critical illness insurance
I have discovered I am paying £15 per month for a .cii policy from Aviva it started in Oct 2001 when I moved house and got a new mortgage. Since then I have remortgaged 3 times and didnt realise I was paying this policy.Has anyone any are advice about these policies ie are they worth keeping or should I cancel?
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Advice Needed-HFC Bank
Hi All, We have recently started the process of reclaiming ppi, we had numerous loans with Beneficial finance over a number of years so believe we are owed quite a lot of money. After our first letter to HFC they sent us a questionnaire which we duly sent back recorded delivery. Hubby has spent most of the morning on the…
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Firstplus/Loanmakers - help me get started?
Hello everybody, This is my first post so go easy! As I have recently been bombarded by phone calls from companies telling me I can reclaim PPI mis-sold to me on my loan I thoiught I would look into it myself first. Back in August 2007 I took out a loan for £15,000 with Firstplus (through Loanmakers acting as broker) to be…
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Welcome Finance
It is 8 weeks since I submitted my claim form to Welcome Finance, other than a lette rof acknowledgement, no news. I think this is the worst company ever to try and communicate with as they don't answer their telephones , it is a disgrace. I hate Welcome Finance with avengence!
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Mis sold ppi with GE Money
Hello all, My husband took out a car loan 5yrs ago, about year and half we came into money problems as my husband lost his job, we could not afford to keep up with the repayments, we passed the debt onto finanical debt agency. lcukily it wasnt a car finance. Financial Helpline sent us a copy of the aggreement outlining…
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Action-direct
Hi. We were recently contacted out of the blue by Action-direct.co.uk , offering to pursue any PPI claim they felt we may have. After some discussion, they decided we probably have a claim against my mortgage company. The mortgage was paid off a year or so ago when I sold the house. Action-direct took an initial £95 fee to…
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reclaiming Generali Vision plan premiums
I have some serious problems with Generali Vision plan signed 2 years ago in the Caribbean with an independent broker consultant for Generali Guernsey. Based on misleading information of the premium based Administration Charges, I was told to put all my savings into this first year and then reduce it afterwards without…
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Help needed
I have sent the first letter from the website asking for all documentation regarding PPInsurance on the loan we have .The bank replied saying they have misfiled my paperwork but sent a typed out version of the payment details but nothing with the insurance what we are covered for or anything nothing signed etc and their…
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Help can i reclaim the ppi
OH had a capital one card which has ppi added, the cap one account has now been passed to Lowell Portfolio but can i still reclaim the ppi and if so how do i do it.
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im confused
hello everyone im going to try and get back the insurance i was sold with my loans but im confused i got a loan out in may 2007 for 6,5000 but the total amount to pay back is £8262.00 the insurance is £2220.60 but i got this loan up'd a by around £1500 a year later but cant find the paper work for it. what do i do?
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Halifax MPPI Reclaim
Hi, I am just looking for some advice really as I haven't seen anybody reclaim MPPI. In 2007 when we took our mortgage out with Halifax, we specifically said at the time we do NOT require MPPI as our jobs were stable and if we were ill, we get full sick pay from work with a valid doctors note for as long as that may be.…
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Not sure what to do next......
Hi.. I had a complaint regarding PPI throught yorkshire bank. I took out a loan a number of years ago for 1000, and ppi was including... a few years later I took out another loan with the same bank and they paid of the orginal loan and I started a new one, which also included PPI. I took the advise on this site and asked…
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Debenhams Store card taken out in 2004
Hi Guys I took out my debenhams store card in Nov '04 to which I signed the application form in store which said that I wanted the PPI - however, the young guy who was signing me up for this card, didn't ask me if I wanted PPI or even give me details about the PPI. Debenhams was with GE Money, which have been taken over by…
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Ppi
Hi, Im new to this site - question on PPI. I have a LloydsTSB credit card with the usual PPI alongside it. While I was employed it was a valid item to have protecting the credit agreement. I have never needed to claim on it. I left employment to give birth, and some years down the line, money is quite a lot tighter. As I'm…
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PPI refund being kept?
Hello, I wonder if someone can help me. I had a woolwich unsecured loan many years ago (now Barclays). There was an outstanding amount owing. On the 10th Feb 2009 I was declared bankrupt, within the bankruptcy term (which was 1 year) this loan was purchased by First Credit Services. They sent me the usual 'pay up or else'…
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Cahoot / Santander Response
I sent off a PPI questionnaire to Santander for the missell on a Cahoot loan. We received a letter back today, but they are asking us to call them to "ensure we have understood all of the concerns you have raised". Is this normal? Obviously we would rather that everything is dealt with in writing, so not sure how to handle…
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Who hates companies that steel from you using direct debit? Please help me
hi there everyone. Can anyone shed any light on what to do when a mobile insurance company has been deducting insurance monthly DD from you for years and you didn't know? Basically I've had no communication whatsoever from citymain administrators in ; years and they have deducted £5 a month from me for this time. I had…
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Would Anyone Know?
I had an offer made to me for PPI which I declined, I was offered £400 and the amount owed was £2000. They haven't replied to me yet and that was 16th August, does anyone know how long I should allow them? Thanks
