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PPI reclaims and Government Employees
Hi all, I've been a teacher for the past 5 years, and have stumbled upon a few (dodgy commerical) loan reclaim websites that state that if you work for a government organisation then you are totally exempt from paying PPIs on mortgages and loans. I took out an £8k loan from NatWest last May to buy a new motor. I was a bit…
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Help and GE Money
Hello This is my first posting so I do hope I do this right. We had a secured loan with GE Money ( i group ) from 7/6/07 for £40,000.00 PLUS ppi OF £4,860.00 TOTAL £44,860.00 THEN ADDED £500 FOR LENDER'S application and completion cost Making a Total £45,360.00 Then on the 5th Sept 2007 we cancelled the policy as we seen…
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MSE News: Barclays tops list of shame for worst complaints handling
This is the discussion thread for the following MSE News Story: "A whopping 61% who took their gripe to the Ombudsman service about the bank won their case during the first half of 2010 ..." Read the full story: Barclays tops list of shame for worst complaints handling
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Adjudicator questions for HFC bank
i have already had my claim with HFC Bank upheld but they are appealing so i have been asked more questions by the adjudicator, one of them was why didnt i cancel the PPI, can anyone help me with a concise answer? thanks
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was PPI needed and miss-sold in my circs?
I'm looking for some help as I'm a little confused by PPI. Back in 2007 I took out a Loan for a car (young and stupid learnt the hard way to save my pennies and then buy! but a whole other story!!!) Anyhow the loan was with Halifax and whilst I sat with the lady she asked me a series of q's about my circs and I remember…
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Can you claim back charges if you defaulted on the account or were made bankrupt?
Can you claim back charges from the bank or insurance provider if you defaulted on the account or were made bankrupt?
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Help with a RCI PPI Claim No Signed Agreement
Hi I'm a first time poster and need some help! THE BACKGROUND: I bought a car in 2006 and I opted for finance with RCI. The application was made and finance approved and I picked the car on the first showroom visit. I then got a call from the call centre trying to sell me PPI; I declined the offer because my sickness…
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Mortgage & Income Protection Miss Selling
My husband today has been looking into his mortgage and income protection policies which he took out when the house was sold and has been paying faithfully for over 10 years. He phoned Natwest to find out how much was left on the mortgage and double check the terms of the mortgage, they informed him that as he was only…
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Was I mis-sold PPI by MBNA?
Hi If this is in the wrong place - I'm sorry! here's my sistuation............... have had a credit card with MBNA including PPI, for many many years. I knowingly took out the PPI, as I thought it would help if I was ill/lost my job/ etc At the end of 2006 I missed a payment and was late paying two months - so was hit with…
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Problems with Egg and Capital One
Hi, I was wondering whether one of you lovely people can advise me as to what I should do next. I have requested a SAR and have sent an FOS questionnaire about PPI on an Egg loan. Egg did not acknowledge receipt of the questionnaire although I have proof that it was signed for 8 weeks ago today, the same goes for the SAR.…
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Welcome finance (again)
I have received my final response, after 7 weeks 5 days, and I am fairly pleased with the £2400, however this was just PPI and my original letter requested reimbursment of Personal Accident cover and life insurance, both of which were sold alongside the PPI in the same manner. My question is - Should I chase the other…
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Help with Black Horse PPI claim
Hi, would really appreciate some advice. My partner has a car loan with Black Horse and we want to reclaim the PPI as we believe it was mis-sold. I have several questions - forgive my ignorance: 1. Car loan arranged at the dealership. Amount of credit (PPI) £4165.84 repayment over 60 months at £87.14. Can't work out if…
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Reclaiming PPI on a DMP
Hello I wonder if anyone can help me? I am currently on a DMP with CCCS and it's the best thing I ever did. Anyway, I have just sent off a letter to Egg (loan) and Barclaycard (Credit Card) to reclaim PPI. I have a couple of other credit cards which I could also probably claim on as well, but my query is; some years ago my…
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Egg - have offered one refund, should I fight for more?
I took out an Egg loan around 8 years ago and was sold PPI on the phone with the vague idea that a few pounds a month would be added to the loan. There was no indication that the full amount would be added to the loan. I ended up with a £16000 loan instead of the £12000 I wanted to borrow to pay off my debts. I was more…
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Ppi
Can someone help I went thro a comapny to help get my PPI's back from two loan companies, 1 came back no problem and i paid the company the admin fees which i thought were very good the 2nd claim went thro, but the company who got it back for me are now charging me more than my compensation because they halved my loan, but…
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Claiming PPI
Can someone please let me know if you need to have all the paperwork, dates etc of any previous loans you've had before being able to reclaim this?
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Hsbc ppi
I have sent the first letter to HSBC regarding the PPI on my wifes current loan and 2 previous loans, but have a question. The loan agreement for the current one has a breakdown and explanation of ppi, but when she went to get the loan the whole process was rushed to the point it wasnt really explained. In fact is was so…
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8% Interest?
Hello Guys, I have had a few PPI complaints upheld within the last 12 months and all followed the FSA guidelines and paid in full adding on the 8% simple interest. If you owe on the loan they will obviousley offset any refund, but you wll always be paid the 8% direct into your bank. However, Egg have offset their refund…
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Capital One Reclaim Rejected
I've been successful in reclaiming PPI Premiums from Goldfish and MBNA credit cards using the 'first letter' which was fantastic! However, Capital One have responded that they did not consider that they had missold as I had not ticked the 'No' box for PPI on the application (from memory this was an unsolicited offer…
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How is PPI reclaim paid back?
Hi I am currently awaiting a decision from Santander if i can reclaim PPI payments I made from an old GE Capital loan I had back in 2006. Assuming the claim gos in my favour,how would the money be paid back to me? The reason I ask is that i changed the bank from which payments were made to my (at the time) girlfriends…