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CPP and HSBC
We have had CPP insurance on our HSBC Gold Card for a number of years and have spoken to HSBC about a refund. They say it is nothing to do with them and we have spoken to CPP who say that they have no record because HSBC set it up when we took out card! Catch 22 situation. We still receive updates from CPP and they…
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CPP Pre 2005 - Is It Worth It?
I wrote to M&S Bank about my pre 2005 payments - they said it was nothing to do with them and suggested I went to CPP. Following a letter to them CPP say they are looking into my case but having spoken to the Ombudsman, who told me that CPP was not regulated pre 2005 and gave me negative response as to my position, I am…
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Life cover policy- premiums treble- can I get a refund?
Hi Sorry this is not ppi but it is about insurance 25 years ago I took out a life insurance policy with critical illness and disability cover of about £78k which would pay out up to the age of 70. I have just had a 5 year review and been told that I can increase my premiums from £28 per month by over 300% to £80 or leave…
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PPI facts?
I was always pretty sure whenever I took any finance agreements that i specifically asked insisted not to have any insurance cover.Again, I am also sure I checked this on all documentation.Are we saying that banks still did this"under the radar" as I have had numerous credit cards/loans/mortgages etc?
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PPI confusion
HI, I'm hoping someone can help me with PPI. I opened a Miss Selfridge account when I was at university, approx 10 years ago, and was paying PPI on it. The original card was with GE Money but has since been changed several times and is now with Santander. I applied to Santander who refused my claim. I believe that as a…
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can someone please help , no one replied to my last post
Hi Any help would be much appreciated, Ive had my Additions account for over 15 years , I knew that I was paying a monthly fee for benefits on the account , on my monthly statements Ive always had 2 account fees applied , Just recently my statements have changed and now read 1) account fee , 2) PPI account fee, I didnt…
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Paying a direct debit on phone insurance I did not sign for
Hey there Can you tell me what I need to do next. I have just realised that there was a direct debit on my bank account paying £5.99 a month for a phone insurance that I did not sign up for for the last couple of years. I've told my bank to stop it and asked about how I go about claiming my money back. Do i need to claim…
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Please please can someone help me with ppi
Hello, I reclaimed the bank charges from HSBC several yrs ago but I just don't understand how to reclaim ppi. I have read and reread martins advise, but just don't understand. I have got my credit history and need someone please to take me under their wing and guide me. Husband doesn't think it's worth the effort, but he…
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PPI company charges
Can a PPI charge you commission 2 years after you have had your settlement ? I used a PPI company in 2011. They took my details. A few months later my bank sent me paperwork to fill in. which I did, then in Jan 2012 I recieved a settlement. I heard nothing from the PPI company. To this day I have no idea what the PPI…
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Barclaycard Refusal
Good afternoon everyone I hope you are all well! I hope you don't mind me asking a quick question. I've had a Barclaycard since 2003 ( this was my first ever experience of credit), the card wasn't used for quite a few years between then and now, but when I started using it again a couple of years ago I noticed they were…
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CPP claim (pre-2005)
Just wanted to share, I wrote to the CPP Redress Scheme because I remembered having CPP, never using it and eventually cancelling it when I realised it was no used to me. I couldn't remember any details so I included a list of previous addresses. The Redress Scheme wrote back and informed me that I wasn't eligible through…
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RBS/Natwest, PPI and telephone 'interviews'
I used the MSE template letters in July 2012 to request information on a settled loan taken out with Natwest in the early 2000's, for which I don't have any paperwork. (I work on a '2-year' rule and shred anything any older.... I wish I hadn't now!) Initially I received a letter asking me to confirm all my details again,…
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Barclays PPI on Additions account
Hi Any help would be much appreciated, Ive had my Additions account for over 15 years , I knew that I was paying a monthly fee for benefits on the account , on my monthly statements Ive always had 2 account fees applied , Just recently my statements have changed and now read 1) account fee , 2) PPI account fee, I didnt…
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RBS Letter with cheque received!
Today I have received a letter from my bank RBS, telling me they owe me almost £600 from a loanguard policy on my overdraft. I haven't requested this or knew anything about it. Has anyone else been sent one of these letters? Do we know if they are doing the thing where they'll proactively send you money back, but it's…
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Should i accept Barclays offer or continue with FOS complaint
Hi All I just need a bit of advice. I'm in the process of a very long term complaint over an accidental death insurance policy that I was "sold" back in 1999. I'll try and summarise - back in 1999 whilst still a teenager a cold caller who said they were ringing from Barclays contacted me at home. They said that I'd been…
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Equity release Interest - help needed
Hello, i hope this is the right section, i would really appreciate some advice please. My parents took out a very ill advised ER scheme back in 1984, they did not realise how the interest would mount, anyway to cut a long short my father passed away in 2010, followed by my mother in Jan this year, we were shocked to…
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Successful PPI claim, BUT...
Hi, I have recently been successful in claiming back the PPI I had paid on a loan with HFC bank back in '95. However, HFC (now HSBC) are saying that they will offset the award against outstanding debt on the account. I got in to quite serious financial problems around that time and the debt I owed HFC was put in to the…
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advice needed on mppi
hi just wondered if someone out there can point me in the right direction? do I still need mortgage payment protection insurance? I have been paying £70 pm for the last 12yrs and its up for renewal again. I work for the nhs and have done so for the last seven years, work provides me with sick pay which is 6mths full pay…
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Nationwide VS FCA VS FOS
Hello all I am looking for some specialist advice. I have been successful in my PPI claim against Nationwide. Credit card. I am querying the Nationwide calculation on the determination of 8% simple interest. I have been given £27 interest on £500 of premiums over 8 years. For the first 3 months , I did not pay off in full.…
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Barclays letter and cheque
can anyone help I tied myself and then through a no win no fee site to claim on mis sold pip neither was successful I now have had a letter saying that Barclays looked into the claim again and have decided I was mis sold ppi a cheque was enlosed for around 500 with a breakdown summary stating that because I have a dro (…
