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Payment protection
I have had a credit card with A&L for many years, I lost my job a few years ago and fell behind on payments so set up an agreement to pay off a certain amount a month. I never remember being told about or agreeing to payment protection (although it was many years ago). Years down the line (and now working) I am still…
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successful claim on policy/any grounds for repayment?
Hi All...new poster to forum.I am currently in receipt of PPI cover benefits since my position of empoyment was made redundant towards the end of last year.I expect to receive another three (3) payments which will be the maximum entitled (12 months) under the policy.I read in MSE guide to PPI that even if a policyholder…
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Reclaim need help
Hi Folks, looking for some advice on reclaim i have won threw 3rd party,but have problem with them, when took call they said no charge & nothing about any % if they won ,but i asked them what was in it for them guy phone said i should not worry how they make money so i let them deal with 2 claims big mistake which i…
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Recaliming PPI with current bank
Sorry if this Q has already been answered but I couldn't see it on the huge discussion I want to reclaim PPI from a loan that has been fully repaid - the ammount of PPI payed was around £2500.00 however, I still have my current account & credit card with the same Bank (HSBC). Can the Bank take any action against me, such…
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Income protection policy required for loan with HSBC
Hi There, I was sold an income protection policy by HSBC who told me that I would need to take it out in order to get the loan I wanted. This was back in around 2000. I have taken subsequent loans from HSBC and they have stated that the policy should contimue to run to cover these. Looking back ot the T&Cs it turns out…
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Egg Card PPI
Hi All, My wife has an egg card and was unaware that she had PPI on the card. She has a long history or liver and kidney problems, dating back to childhood and had a kidney transplant about 2 years ago and also draws a small salary from my limited company, meaning that she can never actually be classed as being unemployed.…
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Claiming PPI on a debt management plan
Firstly, sorry if this has been covered. Is it possible for me to make a claim for PPI now that I am on a DMP. I had to go on the DMP last year but had to set it up quite quickly so didn't have time to put any claims in beforehand. I was wondering am I able to put claims in now even though my debt are on the DMP and if so…
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CC PPI - Stick or twist?
Hi, just wondering if anyone can offer any advice about my Halifax CC PPI. Basically I complained to Halifax in April about the PPI on my credit card. They responded pretty quickly saying they would refund me via cheque to “put me back in the position I would have been had the PPI not been applied” and also provide further…
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HELP with Picture PPI
Please can somebosy advise me where i need to send my PPI Reclaim letter/questionnaire as i understand Picture are now bust? Thank you in advance.
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PPI and the hidden snowball effect on bank charges
Hi and thanks for reading. Scenario I take out a loan with (optional!!) PPI in Feb 2003, pay it for 18 months until its completion in Aug 2004. The loan repayment is £385.51 including PPI of £41.07. Proposed Redress Had I had not been paying that PPI every month my account would have been cumulatively £41.07 better off.…
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claiming through a ppi company
I have decided to claim back accident and employment insurance I am positive I was mislead into taking out on a loan with what was then trading as The Houshold Bank (part of the hsbc group). I was contacted by them in november 2003, I had never even heard of them and they had all my debters details, credit cards, loans etc…
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Lloyds - Settlement offer (!!!) but not sure what to do next
Hi all and thanks for reading. I have been offered a settlement with Lloyds for the two loans I took out with them. One ran its course (18 months) and the other I settled three months early (26 months). I have received two letters saying that they are upholding my complaint and how they will work out what they will refund…
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Compound or Simple Interest?
Hi and thanks for reading. I have a feeling this has been asked many times before as I am clearly not the first person in the world to think of this. However, I have searched and not found any replies hence the post: I am a little confused. I have been offered a settlement which is a great step in the right direction, but…
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PPI - Prob a silly question - Sorry in advance
Hi eveyone, I had a call today from one of those no win no fee claim your charges people today (groan!!) I didnt sign up with them but they have made me think about PPI. However, I think I might be a bit thick - I dont know if we have PPI on our mortgage (birm midshires) or secured loan (black horse). Is there a simple way…
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Single Premium PPI
Hi Would a refund on single premium PPI which also was advanced??? at the start of the loan be worked out differently to any other PPI refunds? Thanxs
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Can anyone help re: Welcome Finance
Had loans with Welcome Finance in 2001 and 2003 1st loan £5000 PPI £1375 single payment premium Total £6375 Monthly payment £244.38 x 36 including ppi 12 months later took out another loan which paid off above loan for the undernoted amount £7000 - PPI £1982 plus they added life insurance at £302 on top of ppi Total 9284…
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help with PPI reclaiming and bankruptcy
a friend has asked me if he is able to reclaim the ppi on his loans which have been paid in full and were not included in his bankruptcy, is it true that whatever money he comes into for a certain time period afterwards is still going to be taken up for his debts? if so how long is it after wards that this is the case?…
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HELP....PPI Reclaim??
Hi, I have a loan for 52,500 pounds with HSBC. I have only just noticed that i have been sold Payment Protection Insurance. What do you guys recommend i do? Thanks.
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PPI and Loans paying off loans
Well after much "umming" and "ahhing" I have bitten the bullet and decided that as a certain building society have mucked me around a lot, then I am going to challange the PPI then enforced on me. I had a Nationwide Loan in 2002, which was during a working gap year in my university studies. The loan continued into my 3nd…
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Welcome Finance have cocked up again
I wrote in here that on sometime ago that I won my case against Welcome Finance to get my PPI back and was due some refund. WE some problems have happened in October 2009 I moved address and changed my address with Welcome Finance. So when the cheque was released the ended up sending to my old address and even though they…
