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Is my PPI too old to claim
Hello all, My husband and I have been on a roller-coaster regarding our finances over the last few years. We've been struggling to pay off credit cards and loans, and have been making slow but steady progress. Last year we had some success in that we were able to claim back nearly £6000 for incorrectly sold PPI :beer:…
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Northern Rock Mortgage PPI
Hi I'm hoping someone can help me. My father-in-law took a mortgage out with Northern Rock in 2005 and paid it off in 2011. Now he isn't sure whether he can PPI included or not. I have some details that I obtained from a credit reference agency but this doesn't include the policy number. Without the policy number how would…
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***Please Read.....Go to the Ombudsman!***
Hi everyone, Just a quick post to urge EVERYONE who feels they have a claim for PPI to go to the Ombudsman if their case is rejected....certainly worked for me....(rightly I might add) To cut a long story short - my claim for HSBC credit card PPI (Cardguard) was rejected upon my initial complaint to HSBC. I knew this was…
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PPI claim on a statute barred account
Hi, I have an account that was staute barred last year. I decided to make a claim to get my ppi back. Can the company still take the money for the arrears on the account even though it's statute barred? Thanks, Glyn
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Thankyou Martin
Just received a cheque from Halifax for £13,544. For PPI. All I did was fill the form in, easy, plus I had already claimed on my Ppi so did not think I would get anything. Thankyou,Thankyou,Thankyou.:j:j:j
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PPI Claim - Claims Management Company
Please can anyone help me?? I used a PPI calims management company to look into if I had any PPI that I could claim back. From the begining I said to them that i was unsure if I did have PPI, with there responce saying for me to list all of my accounts previous address etc and they would invistigate. I have had a letter…
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Capital One refusing PPI refund
I took out my CapOne credit card in 2005 and paid PPI premiums for a few years on that card until such time as I realised that you could have stand alone PPI cover for things like this at a fraction of the cost my credit card were charging so I cancelled it some two years later having set up my own policy. I was not sure…
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Starting a PPI claim
Hello! I'm looking at starting several PPI claims and when I've read through Martin's FAQ the links to his template letters is broken for both, does anyone know where I can find them? In regards to further down the line, for accounts that I no longer know the account number of, would a phone call to the company be able to…
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Santander time-barred response.
Hi, Last week sent documentation to Santander in form of a template letter and proof of ppi applications and forms from around 2005. My mother who is not the sharpest of tools had a letter from Alliance and Leicester back in 2008 stating that they might have mis-sold ppi. Had a response from them saying as she had not…
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PPI Reclaim Advice
Hi, I have an on-going PPI claim with Barclay Card which they’ve upheld. They have offered me a refund; however I am not confident they are giving me back, in full what I am owed. I have written to them enclosing a statement from 2004, highlighting PPI charges were being applied back them. All they did was just write back…
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Lombard Claim
Hi I have had several loans from Lombard, When I contacted them regarding misselling they paid out on one claim but turned me down on all the others. The reason for 3 of them being turned down is that they do not hold any further information on the agreements, even though I hold copies. I contact the ombudsman and they…
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Waiting for PPI outcome..
Hi there, I placed my PPI claim in back in July 2012. It is currently with ombudsman. What could be the reasons why its taking so long to get a solution? I understand they are inundated with claims, but i hear from people having answers from their claim even though they put theirs in more recently.
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2 yer fixed contract - valid reason for PPI mis-selling?
Hello I was employed on a 2 year fixed term contract from 2007 to end of 2008, and took out a loan, would i be correct in thinking that generally payment protection insurance would not have been suitable for this employment scenario and so not sold to me - I ask as i have recently received a letter from my bank advising me…
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CPP - Why No Letter?
I'm confused as to why CPP have not contacted me as I had their insurance on a House of Fraser card 2010 and 2011. At the time, I did try to get the insurance cancelled and told them that I already had this on my home insurance, but they told me I was too late to do it and promised they would cancel it the next year, as it…
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If PPI is awarded can a CCJ be removed?
[FONT=Calibri, Verdana, Helvetica, Arial]I got into debt some years ago and defaulted on several credit cards and loans. I came to arrangement to freeze interest and pay in installments and have been clearing debts since. Many were sold by the banks/credit card companies to debt collecting companies. One in particular,…
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What happens before 2005 PPI?
I have a couple of PPI claims now at the Ombudsman after being rejected by GE Capital Money, now Santander. These storecards were taken out between 1995 and 1998, and I was told by the assistant that I had to take this to guarantee a successful application, and I had to keep it there to keep the card. As a young naive…
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Old PPI Claim (1996) - how to go about it?
Hi Everyone, I am trying to make a PPI claim on behalf of my father, for a loan which was taken out in 1996, and paid off. When writing to Lloyds, we were simply told that the account had been closed, and that was that. However, I've got an account number for the loan account, and can see the schedule of payments on…
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Mortgage payment protection exclusions
Hi all, first timer here! I am in "discussion" with a bank regarding reclaiming the mortgage payment protector payments I made. I have got the first reply basically saying "no you can't reclaim them". Their argument is that it was a non-advised decision and everything was made clear. I have two questions: 1. The bank…
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Nat West PPI.. they cannot trace my account so they say
Hi I have not really bothered looking into PPI until now. Every day I am bombarded with calls from these PPI companies, so I thought they might know something I do not:) The only time I ever really took out a number of personal loans and had O/D's was with Nat West between 1986 to 2003, I have now closed that account(2004…
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Not a PPI but similar
We are trying to claim for a mis sold holiday club membership for which we have all the documentation, including details of the the credit card we used. The card company has asked for written proof from our bank that we used the card. We contacted the bank and it seems they have the information but have refused to help as…
