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Reclaim PPI & other insurance

Archives for July 2016

Is it too late for CPP claim?
I had CPP for a Natwest credit card from Jan 2009 until January 2012. I recently found out that this classed as PPI, and I never received any contact or letter from them about this. I contacted Natwest who stated that the bank can only investigate policies opened prior to jan2005, and that the date for claims from CPP…
M&S Card Protection help
My first time using the site, and I am reading things and wondering how I could be so slow on the uptake! Can anyone help me? In 1992 I took out an M&S card, a leaflet followed selling me their card protection, I took it out, I have never claimed, but always paid for all of these years, i have just received a letter from…
CFD reclaim
Has anyone heard or used The Refund Experts Limited?
Can you claim PPI when taken out through a broker?
Hello. Could somebody put me right please. I had a mortgage with a company called Kensingtons back in 2007 and want to find out if any PPI is due. I have spoken to a couple of people about the situation but have been told there is nothing that can be done as it was done through a broker. Is this information correct please ?
Successful reclaim of Life Insurance Policy mis sold
Way back in 1996 when my wife and I bought our first house were advised to take a life insurance policy as mortgage protection for our repayment mortgage. This would repay a fixed amount if either of us died. Well, like many people, we forgot about it, have moved house several times, have taken out other policies over time…
Reclaim of PPI tax content
I have just had 3 successful PPI reclaims. As a low rate tax payer on each occasion tax was deducted at 20% on the interest as expected. Claim 1 was paid to me on 30-3-16 with a tax element of £59.21. Claim 2 was paid to me on 10-4-16 with a tax element of £175.08. Claim 3 was paid to me on 05-5-16 with a tax element of…
Using the Claims Guys to check if PPI existed
A friend of mine told me that she used a CMC to check if she had PPI, then she proceeded with the claim herself so she didn't have to pay the CMC. The Claims Guys have been advertising a "free PPI check" and you can then choose whether to use them to reclaim or do it yourself. I just wondered if anyone has any…
RBS Silver Account
Hi everyone, About 18 years ago when I was 17 and started working I opened an account with RBS. At the time I don't remember being given any option of other accounts in the branch and they definitely recommended a Silver account. At the time being so young I had no use for any of the benefits given at that time. Not a home…
Barclay Premier Account
I'm with barclays and i have a premier account, I've had this account since 2009. I was sold this while unemployed as i had just been made redundant, Now i've since tried to cancel it, but was told not too, as its the best account i can get. And i wont get any of the features on another account. My overdraft is £1200, i…
Coverplan Hemel Hempstead
I have been going through claims for recovering PPI payments taken by my bank and packaged bank account payments but while going through my paperwork I have come across payments taken by Coverplan Hemel Hempstead which I suspect are for PPI but I have no idea what for; I know they're not related to my bank account or…
Nationwide Personal loan - Interest and charges re-credited question please
Hi, I'm a newbie posting although I've been following these forums for years! I was in a lot of debt until the back end of last year when i managed to clear most things and settled a large Nationwide debt of £9k for just over £6k I've recently just had a letter from Nationwide say that they had charged interest when i was…
What are the forum rules/etiquette for posting details of a friends whistle-blowing ?
Hi all, My friend is a whistle-blower (FCA/FOS) for several years. The bank are aware of his whistle-blowing as he has sent them details of it. He wants me to provide copies of his ems in my MSE postings that he has sent to FOS/FCA and provide Barclays names of people that are aware. For info, the Barclays CEO and a HR…
2nd claim
I received PPI from Egg via Claims Management Company. Sometime later following a High Court Ruling these claims were reassessed, i received a further payment out of the blue. The claims management company state that they are entitled to their % but i argue that the payment was due to a High Court decision and as such they…
Mortgage replacement insurance
Hi all, I was just wondering of anybody coould help me? Been looking into some PPI that my wife may have had a few years back when she lived on her own and had a mortgage. The only thing we have managed to find was an insurance call mortgage repayment insurance that she had with the mortgage. Is this the same as PPI or…
Egg FOS text
Hi, I contacted Canada Square Operations today and was told to send them a filled-in FOS PPI compiaint form via email. I am wondering how best to word the 'please tell us what your complaint is about' section of the form. I believe I was mis-sold PPI with an Egg personal loan in around 2002. Right now I have: 'The…
Reg Vardy
Hello I have been trying for a while now to find out who my car finance was with when I bought 3 cars from Reg Vardy from 2005 to 2010. I don't have any of the paper work. Can anyone point me in the right direction please on where I can find out these details. The FSCS coudnt help when I called them either Thanks
PPI from catalogues
Hi, I have just found out that I could reclaim PPI from catalogue accounts. It has been some years now, but I used to have a Littlewoods/Very account. Can anyone tell me where I need to contact to put in a complaint please? I would also be grateful for a link to a template letter to send to them so it looks more official.…
Defunct Building Society PPI claim
Hi Folks. I'm new to the forums for a special question. Do any of you know what the situation would be, if I was miss-sold PPI by Staffordshire Building Society a few years before it was taken over by Portman B.S, and then Portman was taken over by Nationwide after that? Do nationwide have legal responsibility for historic…
Advice please re claims company
Hi guys I was recently contacted by ECC about PPI. I have previously been successful in claiming back a very small amount of PPI and didn't think any more was owing so I gave them some names of credit files as thought it was worth a final shot. They've informed me that there was PPI on a credit card taken out with Egg (now…
RBS - Another payment Coming After Sucessful Claim
Hi Folks, Last year I successfully claimed PPI from RBS and received a total of about £5,000. All well and good Just this morning I have received a letter saying following a recalculation I am owed £2000 more and they will be sending me a cheque in due course. I think this re-calculation is due to the following ruling re…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Reclaim PPI & other insurance

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