-
AA loan and credit card in 2002
Hello all in the early noughties I took out an AA loan for £5000. I was actively encouraged to sign up for a AA credit card too. It was very odd thinking back the cheque for the loan was couriered to me the next day . I signed the agreement and was handed the cheque. Any way I just wanted to cheque that my Complsiny should…
-
Question re credit card ppi
Does anyone know the reason why some people would have ppi on a credit card then others would not? I thought the thing was that if you had borrowed on a card, ie not paid off the balance each month then it was more or less guaranteed to have had ppi on, or have I got that wrong? Would they have just add ppi and not told me…
-
Ford Credit PPI claim
Hello Has anyone tried claiming PPI from Ford Credit? I have had an account with them for a car purchase from 2004 - 2007 in which they have confirmed I have had PPI. But, they state that they will only process PPI claims that To be eligible your finance agreement must have been active on or after 6th April 2008. Only PPI…
-
PPI claim but debts with lender
I have several outstanding loan and c/c debts. Is it worth trying to claim PPI? Will they just use any payment to reduce/clear the debt (even though they will have written it off and sold the debt on to debt chasers? No DMP in place. Yes, default notices were issued.Poor Credit Score. One debt abandoned by debt agency as…
-
PPI Rejected - Can I tray again?
Sorry - the header should read - can I TRY again Hello. Massive apologies if I am on the wrong forum or may be asking a repeat question. I wonder if I could call upon your expertise. I used a company a few years ago to see if I was owed any PPI. The company was terrible but that is another story. When I finally received a…
-
Dixons Carphone Warehouse Data Breach
Does any one know of a template for a Data Breach Compensation claim. DixonsCarphone warehouse have advised me my details have been breached and its up to me to be vigilant to any fraudulent activity - I have no idea who has taken my data or how this will affect me and feel super stressed. What can I do as an individual to…
-
Contracting out of SERPS
Hi there, I am confused about this. Back in the 80s I was advised by an insurance broker to contract out of SERPS which I did. Now I hear that you can reclaim this money? Was this incorrect advice? Has this affected my pension? Should I/Do I need to do anything about it? Aargh.....
-
Alan
Hi, I was in a bad place around 6-7 years ago, in fact we lost our home and we were in a trust deed. I wrote then to everyone that I thought I might have had PPIs with, a couple paid out one £10k this money went to my trustee which went towards the people that I owed money to. Black Horse wrote and said that they did not…
-
Help needed with declined claim please
Hi, I'm new to posting on here so please forgive me if I've posted in the wrong place. However, I would really appreciate any advice that you can give me regarding a PPI claim. Please bear with me: So, I recently found out that my ex husband (divorced since 2012) has successfully claimed PPI. He and I are no longer in…
-
Cancel claim
Hi Can someone please advise on the following , I have a ppi complsint in progress with a ppi company , its now with the financial ombusman going on over 2 years. Can i asked the company to stop persuing the claim and cancel it or will they charge me to cancel.
-
Business Mortgage Protection Insurance
Hi I've recently joined the forum and wonder if anyone can advise me. I bought a small shop in 1999 and although I put £20,000 down ( against a business cost of £59,000 ) and the mortgage was to be paid back in 10 years, Lloyds Bank insisted that I insure the mortgage repayments, even though I didn't want to as I saw it as…
-
Nram PPI claim rejected but WAS missold
I’ve have twice applied to NRAM about PPI myself, on both occasions they informed me they have no record of being sold PPI. I have since used a PPI claims company, and it turns out I was sold PPI, not only that, but I would had been put on a higher rate of interest because I “took” this insurance. I’m waiting to hear if…
-
Stanton Fischer
Recently made an online enquiry with said company..they called and agreed to send out info pack and letter of authority for me to sign. I have NOT sent this back. They have called and text at least every 3 days since pestering me to send the paperwork in. During this time I have revieved a PPI payment of £4000from an old…
-
PPI Claim
Hi, I have recently been wondering whether to complete a PPI claim, but one thing bothers me. Although I am completely solvent now, I did get in over my head about 20 years ago and defaulted on a number of loans, cards and an overdraft. If I apply for a PPI reclaim, will it alert companies I owed money to previously and…
-
Copleys Ltd
Hi I'm trying to find some up to date contact details for Copleys Ltd aka Copleys Bank Ltd. The correspondence from the time show an address of Swan Court, Mansel Close, SW19 4AA. Contact emails bounce back. Have checked on Companies House and still trading but registered address doesn't show on Royal Mail. Should I write…
-
Help
I have been contacted by a ppi reclaim agency I gave them some information on a loan that I know I had mis-sold ppi they contacted the company and they said yes, so they have got a case that needs investigated they would do this and reclaim any mis-sold ppi for 42% of any payment I asked them to send me the information…
-
cahoot ppi offer advice please
Hi all, Santander have made an offer based only on the PPI amount and associated interest and no interest because... 'On a rolling line of credit account 8% out of pocket interest is only applied if the loan would have had a credit balance had the PPI not been included. ... This is in line with the requirements of the fos…
-
HSBC Bank Loan/PPI
I had a bank loan with Midland Bank and I can find some statements showing the monthly payment of £40 for a loan. The loan was with Forward Trust. The letter returned was from First Direct. Unfortunately I can't find any loan plan or details of PPI. As I was not aware of anything to do with PPI then I think there is a good…
-
Planning on doing my own PPI claim(s)
Hi, First time poster! I want to start and plan out how I am going to check whether I am due any PPI refunds but I have had so much credit over the past 30 years (I know you can't go back that far), I really don't know where to start... Is there a thread that covers 'getting started' and trying to remember all of the…
-
Planning vs Council tax
Im not sure if this is the right place but if anyone can point me in the right direction I'd be very grateful I went through planning to convert and extend my garage and the rider on it was it should only be used for stated purpose studio, office and gym - just what I wanted so probs with that. Then the valuation office of…
