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ppi claim against Lloyds or Scottish Widows?
Hello all. My Mam was miss sold a ppi on a mortgage that she took out in her local Llyods branch in 2003. She was told she had to have it to get the mortgage. Her mortgage was with the C & G and her ppi was with Scottish Widows. She sold her house in 2007 and paid over £40 per month until then for her ppi. I wrote a letter…
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PPI on statute barred debt sold to DCA
Hi, I had a credit card with Barclaycard which due to circumstances I defaulted on in 2002. The debt had been sold to Lowell Group and as I have had no contact or paid any monies to them in over 6 years I assume the debt is statute barred. I have read some posts that say I can still reclaim PPI against Barclaycard even if…
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Told I agreed to PPI without being sold it
I have just received a letter from Nationwide with regards to PPI on my credit card from 2000 until 2005. Although I was paying PPI on my balance, I was told that as I had applied by post on an application form and had ticked the box asking for PPI, that it was not mis-sold by them and therefore they were not upholding my…
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Complaint upheld but no redress?!
We've just had a letter from HSBC saying our complaint about PPI on four loans has been upheld. All good, but then it gets interesting... They've made a redress offer for three of the loans but have said they will not offer us redress on the fourth because they are unable to make calculations as they don't have records…
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Please Help Me!!!
HELP, In june 2006 me and my girlfriend thought it would be a good,and sensible idea to buy a static caravan.As the property market was sky high we couldnt afford a place of our own,so we went to Lloyds TSB,and took a bank loan out for 13,000 pounds.We was told because we was a young couple we would need PPI,before we…
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Nat West Success :):):)):):):):):)
Hi all I have just received offers for my 7 previous loans with natwest totalling £9,200 !!! As you can imagine im elated :j Just one question i have though, in the wording of the letter i have received it says the following "To accept my offer, all you need to do is sign and return the decleration etc etc........on…
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Making a ppi complaint.
Hi folks, looking for some information. I've had a 2 credit cards with Virgin and Lloyds tsb, called virgin for information but they said i have to write into them to obtain details, but as for TSB they are telling me they cant find the Credit card and PPI cover in question. Would details on my credit file be enough? To…
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Capital one PPI claim
I had a capital one credit card for around six years that I closed last year... Certainly for some of that time I was paying ppi. I did have the form and on it I definitely had not ticked the ppi box... However I have now lost that form :-(... I sent the standard letter to capital one requesting credit agreement and…
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Advice Needed !
I am looking for a little advice to pass onto my boyfriend. He has had roughly 6-8 credits cards/loans over the past 8/9 years. He is sure the PPI existed on some of these however he is unsure which. Now he cannot find paperwork for the vast majority of the credit cards/loans and is now thinking of simply going to a PPI…
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Advice please
Hello all, I posted a couple of weeks ago as i had received a with no admittance of liability offer from bluesky finance of £2500. I rejected the offer and sent a letter saying i would like the full redress and the loan reset. Today i have received a offer of £5134.64 which i am thrilled about but still says no admittance…
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PPI Creditcard SAR - End of the road?
Guys, just a quick one re the above. I have had an SAR returned today from Barclaycard. The account is an old account and I dont have any paperwork re the credit card account number. Barclaycard have said that without card number they cannot do anything further. I have provided them with the usual details, address the card…
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Fos wait
Does anybody have any idea how long it takes to be assigned an adjudicator at the FOS, our Central Trust case has been waiting for one for nine months now. The last letter we received from the FOS was six months ago. Does anybody have any idea of timescales, roughly, I know they are busy.
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Lloyds Bank Address for Court Summons
Just wondering if someone has the address at Lloyds Bank as we need to send them a county court summons. We have the paperwork from Lloyds Bank confirming how much they are going to pay out for our PPI claim and that the money would be paid in 21 days and that was several months ago. We have received no money at all and…
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Case Closed :(
Hi all, We put in a claim to Halifax for 2 loans in february and rang up today for an update (and to let them know of a change of address) and they have told us that the case has been closed as we did not have PPI! They said they sent us a letter on the 7th of March - which we haven't received. Now for the two loans I am…
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Ppi & dro
Hello, It's been a long time since I've been on this forum and under a new name because I can't recall my old details. Anyhow, I thought I'll give this PPI a shot at since Martins been going on about it everyday in my inbox! :money: I have a number of questions and have read the articles FAQ etc The PPI are regarding many…
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Is this reasonable?
Hi everyone, Our Halifax mortgage statement arrived yesterday. We owe just over £34,000 and pay an additional £24.00 each month for re-payment insurance. I always assumed that this was a compulsory payment and didn't realise that this was something I didn't have to have (or could have shopped around for). Does this sound…
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Can i claim, old PPI
back in the 90's i worked for barclays bank and had a staff loan with them ( with PPI. They then made me redundant and i found a temporary position for a few months then became unemployed. I couldnt pay the monthly loan payments so seeked help through the PPI. they refused to pay out as i had sort work. Bascially if i was…
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What do you make of this??
Hi all I am currently trying to claim PPI from natwest bank for 8 loans, today i got a letter back saying i had been rejected etc. I was unsure if this was covering all 8 loans or just 1. So i rang them and was told that it only covered one and that i would be getting 8 separate letters. She then went on to tell me that a…
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I'm not sure where to start
Hi, I was helping someone may be able to help as I am sure either myself or my husband would be able to claim for PPI charges. We have both had so many credit cards and loans over the years that it's hard to believe we won't have had PPI applied to it even though it is something neither of us have known about previously.…
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Understanding info from a SAR
Just received my SAR from Lloyds and some of it is easy to understand but then you get pages on pages of charts listed Registration Enquiry with these words on one side of the box - OCIS Party, CID Persid, BIT Party and Mandate Description and underneath that you get Personal Security Number. Next to OCIS Party there is a…