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PPI Claim Knocked Back - Lloyds/Blackhorse - Now What?
I applied to reclaim the PPI I had on a car loan provided by Black Horse Finanace that was taken out in March 2006. The claim was based on the fact that I didn't want the PPI but was pressurised in to taking it with scare tactics. I never wanted the PPI. So I filled in an online PPI claim form on the Black Horse website. I…
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pre-existing medical conditions
Hi, Could someone tell me if there is a list of medical conditions which excludes you from taking out a PPI or does it differ from bank to bank.I have a heart murmer, from birth and when i had a heart scan it showed up a narrow gap between two of the chambers of the heart,and hubby was diagnosed with asthma before we took…
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New to all this - question !
My son was clearing out old paperwork today and we found an agreement form for a loan taken out with the Clydesdale Bank in March 2004 for £4000. It has PPI on it. The loan was paid off in full in March 2010. Is this the kind of thing that people are claiming back? I know nothing about PPI.
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Please help!
I have realised that I have had some form of PPI on around 7 different accounts over the years. We have suffered finiancially over the last few years as my husband has been in and out of self employment until around 3mths ago when he got a permenent position. We have management plans on all of our debts with most of these…
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Response from HFC- Help
I received a letter from HFC saying they will uphold my complaint and the amount on PPI and 8% totals to £189, HFC wants to pay this to Robinson Way as I am on DMP and this outstanding amount is £205. I pay monthly for this. I feel the £189 should come to me as: I was Mis sold PPi and this:mad: should have never been on my…
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Fos
Which is the best way to put your case to the FOS, by letter or email....or dosent it make any difference?
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Business Loan PPI - HSBC
In 2002 my company took out a business loan from HSBC. At the time, I was the sole employee and director of the company, and the company had enough cash in it's account to cover the total loan - I wanted to keep the cashflow for growing the business. I also had to give a personal guarantee to the bank in the form of a…
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SAR to B'card- No statements but odd printouts instead?
Hi, I recently sent a SAR to Barclaycard with a £10 cheque and instead of statements (as i was expecting) i have received reams of complicated-to-understand printouts with codes and phrases that do not explain anything to the layperson. I rather suspected i had 'Cardholder payments protection' years ago with them you see…
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You won't believe this
I started a claim with Halifax when it first came out that PPI was missold, I always thought that I wouldn't have had it if I'd had a better explanation. So I wrote to Halifax who said they would pay, then said they had no record of me ever paying PPI. Following the ruling and struggling a bit moneywise I thought I'd have…
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Don't use PPI companies - You don't need to.
I'm writing to let people know that there is no need to use these companies that advertise on TV and such. All that will happen is they will get a big lump of any money you get back. I thought about using one of these companies but decided to look into it first. On looking on my credit card company website I found a form…
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Not sure I have a claim from Egg?
Hi, Hoping someone can help. I was rather crap with my finances a few years ago and took out several consecutive loans with Egg. Each one to pay off the previous plus a bit more. There were 4 in total. One for £8,000, the next for £12,989 and I've lost the credit agreements for the last two but I know the amount of the…
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freedom finance
Hello all i am about to file a ppi claim against freedom finance and while i was sorting my paperwork i noticed some things i'm not to sure about,and thought i would ask here for some advice. Ok here goes the first thing i noticed is that the loan was taken out march 2007 but the (copy policy document) has a date of march…
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Reclaim Mortgage PPI
Does anyone know if I am entitled to claim for mis-sold Mortgage PPI? I was sold two policies at the same time and both cover critcal illness and death, although only one will pay out for unemployment. If I changed the policy to unemployment only, will I lose everything that has already been paid. Thanks
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Mis sold life insurance and critical care
Hi I wonder if anyone can shed some light on whether or not we will be able to claim for missold life insurance and critical care cover. We were told at the time of taking out our mortgage (Nov 2003) that we had to have this as a requirement of the lender. The policy is with Zurich (or Allied Dunbar as it was then) and was…
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Goodwill offer from natwest around half of what I was expecting
I paid out for ppi on a five year loan, the premium was £990 and the interest was at 14%. The loan has been paid in full. I rang natwest to file my complaint and they have sent me a letter offering a goodwill gesture of £820. My reasons for being mis sold ppi were: I get paid in full if I am off sick, I have worked at the…
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Reclaiming time limit
Hi all Recently made a successful claim against Natwest for PPI on a loan which I took out in 2005, based on the fact that I wasn't aware I had the insurance and it was unnecessary anyway as I already had substantial life insurance from Natwest themselves, plus civil service sickness and redundancy terms (generous!). Thing…
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Advice on First Plus PPI Claim Please
Hi I am a newbie to the forum but was hoping for advice on First Plus? We took a loan out in 2003 secured against the house we had and basically was sold PPI without any other options , the loan was for: £25000 Loan £6112.50 PPI£311122.50over 240 mths monthly int rate 0.716% monthly payment £271.90 loan repayments started…
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Anyone won from Hadenglen?
As above really - anyone won a claim from Hadenglen from FCSC?
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PPI - advice of previous settlements
Hi there, I am new to this thread and hoping someone could please advise! at the beginning of 2010 I used a PPI company to claim back missold PPI from a number of Blackhorse Loans I previously had and also a secure loan with FirstPlus. I accepted all of the goodwill gestures at the time [however looking back now I wish I…
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Reclaiming PPI when claimant is deceased
Hi All, I'd really appreciate some advice on this. My mum and dad took out a loan with Northern Rock a few years ago and were mis-sold PPI. The loan was in my dad's name although they were both signatories to it at the time. The loan is now fully repaid, however my dad has since passed away without leaving a will, however…
