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PPI and bankruptcy
Hi I'm new to this so here goes. I know the LAW says you can not re-claim PPI from before a bankruptcy. But if you had loans and mortgages that were payed off in full with PPI on them , then became bankrupt years later . If the PPI I payed was more than what I went bankrupt for to HSBC I should be able to find out the…
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Reclaiming bank charges - scam?
Hi all I entered some basic info on an advert I saw on FB regarding claiming back bank charges and fees. I got a call today saying I could get over £1k back...that part seems legit from the research I've done. However this company say they won't charge unless I win the claim, but then they'd take 30%... I feel like this is…
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Creation Finance are causing me issues
I have been waiting on Creation Finance who confirmed that PPI had been applied to my store card loan. This dated back to 1990 - pre FCA. They have said that as the loan/store card was sold in store they had no action in selling me PPI and that I should have read everything and that there were no rules about mis selling…
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Barclaycard claim from 93 - advice please
Hi, I spent most of the day reading the threads re a potential claim for PPI misselling on my (now) wife's Barclaycard.It shows on her statements from 93- 99. She has all the original statements, plus some renewal letters but can't remember for sure how she took it out - she *thinks* a phone conversation. I think the…
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Where to next with Barclays?
Hi all – looking for a bit of advice… In essence, Barclays have not upheld my complaint about mis-selling a Barclays Additions Plus Account back in 2007. This in itself is clearly not the result I was hoping for, but the reasons they have stated for the rejection is what actually irritates me. In their summary and reasons…
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Can I reopen old claim
I made a claim against Lloyd’s in 2014 for a platinum account which I was told I had to open in order to get an overdraft. At the time they refunded me £575 this was despite me actually paying a total of £1684 over the years I had the account. I vaguely remember them saying to me that I had used the breakdown cover once.…
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Ppb?
My partner was sold Payment Protection Benefits (paid to an insurance company) when taking out a pension policy, is this the same as PPI? Thank you in advance for any clarification.
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Credit card claim
Hi, I am aware that claims can be made for charges and interest on pay day loans, when proper credit checks have not been carried out, but I was wondering if you can make these claims in respect of credit cards? Barclays issued me with a credit card in 2000 without me requesting the same or applying for one. It was issued…
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reclaiming ppi abbyloan,cahoot,abby cc
i have already successfully claimed ppi from liverpool victoria about 2007 using martins template letters and i tried with abby national but they knocked me back . im wondering whether to have another go especially in the light of Plevin. Ive got a cahoot blank agreement from 2002 ive got a couple of old statements bank ,…
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Claiming back with Barclays, not sure how to word the letter.
Hi, So I am sending the template letter to barclays, however I am not sure how honest to be with the reasons I believe I was mis-sold; I think it may be better to give less info and let them decide. I will paste my exact letter with my information redacted, would someone be able to give me a little advice on the wording.…
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Nationwide - only consider last 12 months
I started the process of trying to reclaim charges from a Nationwide overdraft from several years ago (2010-2012) claiming hardship. They have responded saying they are only required to review the last 12 months of charges. Is this correct?
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Lloyds AVA Gold Account
Does anyone knowwhen Lloyds started there Gold Service AVA, i think kt was in the late 1990's but need a date if possible.
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Irresponsible lending? resulting in snowball bank charges effect?
Hi Been over to see my BIL who was diagnosed with paranoid schizophrenia in 2007. He doesn’t tell us much but whilst I was sorting out 6 years of unopened mail and documents we found he had been going overdrawn for at least the last 5 years (both an authorised and unauthorised). We asked h8m about it and he just told us he…
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Financial hardship online resources
A few sources have further guidance on financial hardship: http://www.financial-ombudsman.org.uk/publications/ombudsman-news/83/83-financial-difficulties.htm http://www.financial-ombudsman.org.uk/publications/ombudsman-news/39/financial-difficulty-debits-39.htm :starmod: If you find any more please post them below but…
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Halifax Automatically Refunding?
Hi all. My fiancee received an odd payment into her bank last Wednesday which only showed as "Charge Refund" for £45. Today she has had another £91 put in with the same description! She doesn't want to call in case it was a mistake as to be honest, we could be doing with the extra cash, but she hasn't made any sort of…
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Missed 6 month ppi deadline with Santander!
Hi, 5 yrs ago I tried to claim back PPI from my Santander mortgage. Never heard anything from them and forgot about it. I wrote to them again a few months ago to enquiry about this again, to be told they had responded to my original enquiry . (correspondence I didn’t receive) offering me £2000, seen as though I never…
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NatWest Advantage Gold: option to reclaim?
Hi there. Am new to this (fab!) site and this is my first post so please excuse my ignorance... I had a NatWest Advantage Gold account for quite a while but the trouble is I don’t remember the dates and I have no related paperwork or statements anymore. It would have been in the early 2000’s for at least 4-5yrs. I never…
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Lombard Tricity Finance
Hi all, I was bored last night and went through some paperwork... I have a Lombard Tricity Finance statement dating back to July 1991 which shows a balance of £9.13CR (I had bought carpets from Allied Maples Group). Now, I'm not sure if this had any PPI attached to it - but I am confident that I was never refunded the…
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Claiming
Hi all. Probably an old question... How do I check if I’m owed Credit Card, Bank Charges, PPI etc? I’ve been on the Resolver site but I’ve had so many Credit Cards, Bank Accounts and the like over the years, that I can’t remember who I’ve had stuff with, and who I havent.
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Associates Capital PPI
Has anybody had any success makimg a PPI claim against The Associates (capital corporation) I had a loan approx 24/25 years ago, two loans in fact. From their office in Leeds. I reme!ber the premiums being very onerous and certainly being told that I had to have it. I'm aware that they were bought by Citibank, but I have…
