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Advice Needed - A&L PPI Reclaim
I have just about given up hope, so any help would be greatly appreciated. I will try to be as brief as possible. Took out a personal loan with A&L in August 2003 (£348pcm over 60mths). Loan account was settled in January 2006 when I refinanced my mortgage. I distinctly remember being urged to take PPI when I took out the…
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Moneysavers Bank Letter Query
Hi everyone, The MMS bank letter template ( open new claim) states at the beginning: ' I am writing to request that you repay all the charges in relation to direct debits, unauthorised overdrafts and standing orders that have been applied to my account in the past six years.' I meet many of the 'eligible' statements for…
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Sentinel - Barclays
Hi I am submitting my claim for the recent AI Scheme letter I have received but need to submit a claim to Barclays for the period between 1988-2005. How did people do theirs and what did they write in their complaint letter...? Thanks in advance for your help
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Barclaycard PPI
Hi everyone - I'm new to PPI claims and submitted a claim to Barclaycard for mis-sold PPI on 21 September which was successful. I received a letter on 20 October upholding my claim, agreeing it was mis-sold and how my refund was calculated - I received my cheque on 31 October. More than one person has suggested that the…
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HSBC offer
Hi everyone, I've received an offer of 2360 for Ppi on 6 loans with hsbc. Has anybody rejected the first offer and received more? If so, how long did the process take? Or am I unlikely to get more?
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Reclaiming bank charges
I have long running dispute with Nationwide regarding bank charges on my account which total to almost 5 thousand pounds over a six year period. I have followed the letter templates on the MSE website but Nationwide have basically told me they will be refunding none of these charges apart from £30 good will payment. They…
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PPI has been identified?
Hi All Newbie here! I have sought a claims company to peruse mis-sold PPI for me. I have received a small payout from Lloyds but have had trouble with HSBC. The reason for this seems to be that since taking out and paying off the loans and credit card, I have changed my name (by marriage), moved address, and altered my…
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security and arrangement fees
hi all need sum help plz i was emptying my loft when i came across an old suitcase it was all of my old accounts (self employed) anyway i came across an old loan for £6000 on a second mortgage which included arrangement and security fees to the value of £275 which was added to the loan over 24 mths so heres the big Q is…
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Halifax PPI
Hi, In 2012/2013 I successfully reclaimed miss sold PPI (& associated compound interest) on my credit card. During the process I'm 90% confident Halifax wrote to me advising that they had cancelled the policy and settled the claim (which I received a cheque for). Now, I'm pretty bad at checking statements but out of…
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HSBC ppi claim
Hi, HSBC have been telling me that they have posted out my PPI claim offer every two weeks since July 2015. They have my details, correct claim number but I am having to ring them every two weeks as I have still not received this letter. It's very problematic having to explain the same thing over and over. I have written…
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Older PPI to be claimed
Hello all, I was wondering if anyone can help, I am looking to reclaim some PPI but the account to which they related were back in 2000, can PPI be claimed with accounts between 2000 and 2005?
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CPP Claim: confused by response and need guidance
Hi I followed MSE to make CPP claim from Natwest in reference to a credit card. I received a letter - Part 1, states pre 2005 I paid 'X' amount and have been given a cheque for the amount; Part 2, states post 2005 and it is too late to make a claim. I have also separately received a letter and form from RBS regarding PPI…
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PPI question
Hello, I am seeking some guidance. I send a request for a PPI refund yet American Express claims they don't have to honour it because I requested PPI as a safeguard rather than they imposing it upon me. However, as the original PPI court case proved PPI was "unfit for purpose," or something along those lines, can I still…
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Help please, where do I start?
Hi all I arrived here from a Google search as been struggling with bank charges for the last few months. My charges are over £100 every month and they take the money whilst I'm in the emergency reserve of my overdraft, so I'm now stuck in a viscous cyclE and am really struggling. Now I've been reading everyone else's post…
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Extremely long PPI claim
Hi all, I wondered if anyone has had a long drawn out process as me. I started a PPI claim with a claims company. I went into it knowing that they take 20% of anything I get - I was happy with that as I don't have the time to do it myself. I also had to pay money up front to cover the claim process, for which I was…
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Vanquis PPI/RPI
Hello, I have an active card with Vanquis and wrote a letter to complain about PPI charges. They have responded to say I don't pay PPI but I pay RPI, Repayment Protection Insurance. I was sold this when I got the credit card out and I get charged each month depending on how much balance I have. I was told that I won't get…
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First direct
Recently wrote to First Direct with the MSE bank charge reclaim template with no information about when I had an account with FD. They wrote back to say that my account closed in September 2004 and that they did not keep statements to show the interest I was charged that far back. My question is has anyone else had this…
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Royal Bank Time Barring, is this allowed?
Just wondered if anyone had similar experience to me. Like many I was called into an advisers office and 'encouraged' to open a packaged bank account. Now realising I already had many of the benefits they were adding, and some I didn't need, and reading about problems with these accounts here and elsewhere, I complained to…
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PPi - Where to Start
Is there anywhere that I can find out what loans I have taken out. My wife use to deal with a money matters but sadly she died in 2004. Not long after I moved house and shredded a lot of the old paperwork as I didn't think I would need it again. I know we took out loans for cars and to consolidate debt in the 80's and 90's…
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Reclaim Egg PPI with no documentation
Please help. I've tried before with this but failed. I had a egg credit card and a loan and have no clue if I was misold PPI. I have no documentation and no idea of dates. Yep, I think it may be a lost case! If anyone can help then please do. I think I may have to go to a company to help.
