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MPPI - refusal from Building Society
Hi, Can anyone advise me please I am a little confused. I decided to make a complaint against the Building Society where I took out my first mortgage because I had paid the premiums for payment protection. In 1998 I applied for a mortgage when I separated from my husband. The mortgage adviser was aware that I had a…
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Have the team got it wrong?
The advice given on this site states "The six year rule applies to active insurance, so a policy taken out 12 years ago but paid off five years ago was still active within the key six year period." My brother was mis-sold insurance in 2004 when he signed up for double-glazing. Cover apparently ceased in January 2009 when…
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Withholding Tax on the 8% interest?
Hi All, After a fairly long wait we have finally won our PPI battle with First Plus.:j We got back just over £31k minus the £14.5k we got back in 2009 from the cash-back on the policy.:j They are also deducting £1401.61 withholding tax?? Can anyone tell me what that is? It goes to HMRC but are they due it? If not how do I…
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RBS= thieving dishonest b'stards
Found out recently that PPI was added to a mortgage 10 years back that me and my wife had, total confirmed payments were `only` £221.50 but the robbing gits have `offered` us £80 and if we want the full amount we have to go the ombudsman route which can take 2 years so really they know exactly what's gonna happen, for the…
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Help I am Confused
I have received paperwork from RBS stating that I may have been charged PPI on loans I have taken over the years - it was a standard letter and stated that accounts would be listed on the attached sheet if applicable - however the sheet was blank and therefore It intimated I was probably not one of the chosen few. HOWEVER…
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HSBC PPI Reclaim Question(s) - Sorry :)
Hi, Some more PPI questions, if someone can advise that'd be great :) (1) I had a call this evening from HSBC PPI department asking for details on my employment dates many years ago and we agreed to discuss this Friday. The lady said my policy begun in June however I'm not sure I started work until July (I was inbetween…
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Santander ppi
Hi I had a mortgage with abbey from 1982, I was 23 when it was taken out and very naive pretty much signed anything, I stayed with them through the term of the mortgage, the mortgage was paid off in 2009, I queried the PPI personally and they have come back admitting mid selling however only offering me £124. My question…
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Multiple SAR'S need advice
Hi All Iam pretty new to this. I want to try and reclaim bank charges hoping to negotiate some of my debt down. I have an overdraft, loan and credit card with Barclays will I need to send three requests with three separate ten pounds? or could I send one request with just the one off 10.00?? Who do you make postal order…
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PPI Loyds
Hi all, I received a letter and questionaire today regarding an old loan I had and Lloyds wants to know if it was missold. Problem is I don't remember this particular loan as it doesn't have any details only an account number. I could order a SAR but the information will get to me too late about which loan it was, because…
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PPI before 2005
Hi, I'm confused about whether I'm able to claim PPI for 2 separate loans taken out in 2004. I've tried reading some of the threads but can't find the answers. First - is it possible to claim back PPI from 2004? The loans were with NatWest and a Career Development loan taken out with Barclays. The Natwest loan was taken…
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Letter from cooperative bank
A few years back I wrote to the cooperative bank to try to claim back ppi I had taken out on a loan with them. They rejected my claim. I've now had a letter asking me to contact them as they're undertaking a review of my complaint. They add that whilst this review may not change their original decision additional…
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BarclayCard success
I've had a letter from BarclayCard this morning stating that my claim has been upheld. I remember that I cancelled the PPI shortly after, as I knew at the time it was about as much use as a chocolate teapot. Based on this fact, I only ever paid £97 in premiums. However, with interest, they have now agreed to refund me just…
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PPI Claim - Correct procedure confirmation
Hi, Just starting the process of claiming back some PPI from my overdraft. I am following the step-by-step guide on this site (not allowed to post links as I am a new user) and just want to confirm something. I have filled in my initial claim via the form which I found using the link (Barclays) at the bottom of Step 3. Is…
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After a PPI refund
My PPI refund was refunded back in about 1997 after I discovered that, having taken it out, I would never be able to make a claim and the Halifax either knew this, or should have known. This was discovered after I made a claim. They refunded it in full and then took the attitude that I was still liable to repay my personal…
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Only paid half of PPI
Ok, a few years ago I became unemployed due to sickness and claimed on the payment protection insurance I had taken out. They paid it for 6 months (I was off and claiming ESA for Depression for about a year). I was told at the beginning of making this claim that they would pay the full amount over a 12 month period. They…
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reclaiming
Has anyone had dealings with full financial review from swansea and also credit clear services in dorset please.
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PPi
I have put in a claim with American express some years ago I was made redundant payments with PPi did not correspond with the card payment thus this bill just escalated, I wrote to Amex and aske for help or due date to change. Banter continued outcome I was taken to court and the debt was put on my house when it came for…
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PPI Claim? - can't remember any details!
Hi there, I don't think I really have a case here, but with all this talk of PPI - plus about a million PPI recorded phoncalls from companies! - I thought I would maybe give it a go if it is worth doing it. I'm pretty sure that I have thrown away all of the paperwork I had for this as well! About 7/8 years ago my sister…
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Stake Your Claim - I've been waiting a year?
I've just finished a DMP with Payplan :j and through them I started a PPI claim with Stake Your Claim. That was last February, and after several failings on their part with lost paperwork and just generally being rubbish, it's still ongoing. I sent back another letter of authority last month. They've told me there are two…
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Have you been underpaid for your PPI reclaim?
Hi all We've just added a section to our PPI guide about Comparative redress - where some people have only had partial refunds, because lenders treated them as if they'd been sold the wrong type of PPI rather than completely mis-sold PPI. Whether you received your offer in the last week or over a year ago, if you disagree…
