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Claiming PPI on a closed account how far back can you go?
Good evening I'm brand new to this forum so I'm sorry if I've asked a question thats been answered a million times! I used to bank with Northern Rock and I know for a fact I paid PPI that I didn't have to or want to. Now this loan is (I'm guessing) over 8 years old (paid off) give or take a year or two. Can I claim back…
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PPI Failure - Help?
Hello people. I have just had a PPI claim rejected by RBS. I have had PPI for years on my credit card. Claim rejected because I didn't have PPI for the first two years and then took it up. Reasoning being that they must have explained it fully otherwise why would I have taken it. I had finished Uni at the same time as PPI…
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Ppi and loan arrears
Hi My friend is claiming PPI for an old loan, but currently has an existing loan with the same bank. The current loan he has is in arrears to just under 2 months and has a payment arrangement in force to clear the arrears. This payment each month is in addition to the normal monthly payment. He understands that if his…
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MBNA ppi
I am new to forum and was reading Sue's post regarding her MNBA refund. I got claim refused almost 2 years ago due to me ticking the ppi box. I have had the ppi for years without knowing and did not receive any info on the ppi. I have been ill and off work for a 4 month period and didn't know I had the ppi. I also work for…
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PPI second claim on same account
Hello I am wondering if someone can help me, i have had a current account with the Co-op since 1990. I took out two loans one for £10K in Dec 2004 and the other for £6K in Jan 2007. Back in March 2013 i submitted a complaints questionnaire myself complaining i was mis sold the PPI for the loan for £10k as it was not clear…
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Nat West PPI complaint Form, help completing please
Hi, Nat West have sent a form without us requesting it for PPI complaint. We were unaware there was PPI on the loan, and I'm not sure what to put in the box that asks "If you feel that we did not explain how your PPI policy was paid for, or if the cost of the policy was not explained, please give full details below" I…
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The term 'Offer'
I received a letter from HSBC today stating that they are upholding 3 of of my 4 claims which I can live with. In the letter they have included a paragraph that states "I propose to offer you the amount of £****. This figure will effectively return the protection premiums you have paid along with an element of gross…
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replacment income protection
hi i wonder if anyone can help i was paying an income replacement policy with secure trudt bank and didnt realise how much they were charging for this do you think i would be able to try and reclaim
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Interest on PPI refund
Hi all, I was mis sold PPI in 2000 in connection with a mortgage. It always rankled with me because in 2002 I tried to make a claim related to assistance to make the payments as I had been made redundant, the claim was rejected and it was then I discovered I had been mis sold the policy. I immediately requested a refund…
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Is it worth attempting to reclaim our mortgage PPI?
Hi All, We took out our first mortgage 8 years ago, we were very limited in the number of mortgages out there that were available to us as at the time my partner was self employed. We saw several different financial advisers and finally we found one that could get us a mortgage through kensington. Our financial adviser…
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Halifax refused PPI Payment please help.
Hi All, I am new to the forum and thought I would come on here for advice and help. I took out PPi on my mortgage with the Halifax around 7 years ago paying £126.00 per month. I complained about the insurance as we were under the impression that we had to take this out in order to get the mortgage. Anyway I received a…
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Nationwide taking PPI Refund to pay off a Settled Loan??
Hi Am after a bit of advice if possible My partner took out a loan with nationwide years ago, didn't know he had PPI.. Lost his job and went into financial difficulty. Never once was the PPI even mentioned to him, otherwise surely it could of covered his payments?! Anyway court action was threatened and the case ended up…
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Lloyds - ID Aware reclaim success
I have just been told by Lloyds that they will pay back all of the fees (plus interest) paid for an ID Aware account that was set up three years ago. I called them and said that I thought this was an un-necessary policy/service and not worth the £6.30 a month that was being paid for it. They couldn't see how it was sold…
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Ppi sales transcript and answers sent to me
This is a weird one and I was wondering if anyone has any experience of this. I sent off my sar request to barclaycard and back came a thick pile of paper including the sales questions asked during ppi sale over the phone and my answers. Questions such as: does your employer pay sickness pay were answered yes and at the…
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|My claim was rejected by the Ombudsman
My claim has been rejected by the ombudsman because "given the length on time since the sale, there is very limited information available to safely conclude that the policy was not presented as optional" they say I have the right for an Ombudsman to look over my case if I disagree. Has anyone else had a rejection on…
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Capital 1 rough waiting time?
I have sent off a ppi claim form about 3 weeks ago to these people. They have charged me around 7.50 for the last 3 years. I know it would only amount to a few hundred, if they refunded it, but its worth trying. Anyone have any idea if they are dealing with claims within the 8 weeks they state online, is it taking longer…
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PPI Overpayment
Hi, I'm hoping somebody on here can help me? My dad has put a complaint forward to HSBC for the mis-selling of his MPPI on the grounds that he was self-employed at the time of purchase and it is only now that he has found out it would only have actually covered him if he had ceased trading. His main concern was that in…
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FOS Complaint Form - send by recorded delivery?
Is it advisable to also send FOS complaint forms by recorded delivery too?
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Barclaycard box ticked on form
Just a note to say that if you have been turned down by Barclaycard because you positively chose the product as you ticked the box on the form - then don't give up hope. In May 2011, I submitted my PPI mis-selling claim to Barclays and requested an SAR. I did not receive the SAR (still waiting) and Barclays kept telling me…
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Payment timescale for PPI refund (RBS)
Hey all I've been made an offer and have accepted. They have confirmed that they have received my acceptance and the case it now with the payments team. Has anyone claimed back from RBS? Rough idea of payment timescales? They say up to 28 days but I know that's just to cover themselves completely for any mishaps etc.
