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Reclaim PPI & other insurance

Archives for February 2011

Ppi goodwill offer
Just received a letter from royal bank of scotland for a loan I had. They have offered me £580.34. They admit I was not aware the ppi policy added to loan & terms & conditions were never explained. Should I accept or what action should I take. Hope you can help. Jay.
Worth doing
Hi all i have just reviewed my finances and realised i have been paying ppi for a while on a credit card (egg) without knowing (silly i know). I have sent an email requesting cancellation and have had a reply saying it takes 30 days to process so i will be charged again this month. I replied saying this was unacceptable…
joint loan, one person covered on ppi
hi my case against hsbc is now with the foc, i knew my wife was the only one covered by the ppi but didnt realise there was nothing wrong with this. i was made redundant over 2 yrs ago. i mentioned this to the foc last week and the lady on the phone said that didnt sound right. does this make my case stronger against the…
PPI Advice - Black Horse Car Finance
Hi I want to have a go at claiming back the PPi on car finance I had in 2005. The finance was set up by Vauxhall/Network Q through Black Horse. I was told by the vauxhall salesman that they always go for the insurance as the credit is then guartanteed!! Not told that it was optional. I have no papaerwork for the finance…
MSE News: Financial complaints up 15%
This is the discussion thread for the following MSE News Story: "Complaints against firms to the independent arbitrator jumped by 15% during the final six months of 2010 ..." Read the full story: Financial complaints up 15%
PPI with Vanquis
Hello, I've recently signed up for a Vanquis card to build rating. When activating my card, I had a 20 min chat on the phone convincing the rep that I didn't need PPI as I have the money available to pay off card before I spend it. Eventually she gave in and told me I was not signed up for their 'repayment option plan'. On…
Simms Carmichael - Key Finance PPI
Hello all, first post so please bear with me, and I'll keep this as short as possible. A few months back I got a cold call asking if I would be interested in a company called Simms Carmichael getting me some money back on any mis-sold insurances on loans that I had taken out. Now as said to cut the story short, they told…
Can someone offer me advice on this letter please?
’m writing as I believe I have been mis sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid. I took out a £7000 loan over the phone with one of your sales staff. I was unaware that payment protection insurance has been added to this loan and was not informed…
PPII letter of questionnaire?
Ok sorry im really new to this - im wanting to make a claim with Halifax for PPI and was looking for a letter template and all i can find is the questionnaire is that what i send? or do i send a letter or call them and ask for a claim form? the questionnaire is really confusing but i can see other template letters which i…
Welcome Finance PPI Query
Morning everyone, new to the forum. have been reading the site for a while but only just registered. basically i'm in the process of re claiming my ppi from welcome finance, i sent off the claim form, and had the letter back saying they were investigating my claim and would get back to me within 4 weeks. the 4 weeks is now…
Is my policy PPI??
Just got a letter in today that told me I have a Loanguard Policy with Aviva that I took out with an RBS credit product. I have a loan and a credit card with RBS so it must be for one if them. Does anyone know what a Loanguard Policy is ? Is it just a form of PPI ? Really confused because I had no idea I had this and I…
3 PPI Claims with GE Money
Hi, Can anyone give me some advice? I'm new on here and I hope that I'm not covering old ground. I have just received a response from GE Money regarding 3 complaints I sent to them. 1) A GE Money loan taken out through Crystal Windows & Doors. There response is that as my complaint is for mis-selling and because it wasn't…
Is this worth making a claim
Ok, when we first got a mortgare some 14 years ago we paid an insurance policy so if we were made redundant, or died or were on the sick our mortgare would be paid for a length of time. A colleague has told me recently that the insurance is no good as we work for NHS so if we were on sick we would not get a penny from…
length of time to claim query
hi , i just got a letter from egg today and they said that their policy regarding ppi claims is only to go back 6 years . can i ask is this an across the board policy or something i could challenge ? thanks gabby
Hsbc ppi charges
Hi this is my first post so please bare with me, i have had a credit card with hsbc now for a number of years however recently i have just noticed on my statments a "insurence premum of 79p per £100" i rang them up to question and they asked if i want to cancel and i of course said yes. i then checked back as far as i…
PPI on Tesco Credit Card
Hi Guys, I'm wanting to reclaim my PPI from my Tesco Credit Card - I remember that I filled in the application form online, but don't remember anything about the PPI - I would have done this about 7 years or more ago. Does anyone know if the PPI was one of those options which was pre-ticked. Any info would be fantastic.
PPIclaim
I have some ppi claims with a company , who have mislead me with thier claim that these ppi claims would be sorted in 12 to 16 weeks . It is now 30 weeks and nothing has happened , they keep fobbing us off ,when we call them. I want to no can we change to another company and get back the money we have paid them up front .
Any one had any luck with Northern Rock ?
Hi I wrote to Northern rock about a Mis-sold PPI only last week, and yesterday they replied apologising and have sent a questionnaire to fill in . They said they would resolve it within 8 weeks. Reading stoires on here this seems to good to be true as they replied so quickly. Has anybody had a sucess story with Northern…
Should I have been provided with PPI documents at time of HP agreement being taken?
Been helping a friend who (I think) has been mis-sold PPI, short version, she needed new car, her credit rating wasn't too good, her partner said he'd get car in his name, when they went to see car dealer they both clearly stated above facts (so much so that my friend signed 'Duty of Care' provided by car dealer asking…
Hsbc
Anyone had any success with reclaiming from HSBC recently for Ppi on a credit card? Been put on what feels like an indefinite hold pending the result of the judicial review. Any ideas when that initial result is likely prior to the many appeals?

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Reclaim PPI & other insurance

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