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letter from Ajudicator re Lloyds C Card
I received a letter from the FOS at the weekend regarding my outstanding claim against Lloyds credit card ppi. the ajudicator is asking me to provide a copy of the original agreement; copy of the PPI policy; method of sale (phone or internet?) To be honest I was hoping the letter was gong to contain their decision and I am…
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Fairly New Loan Advice Needed For PPI ?
Hi, I've only just found out about being able to reclaim past missold PPI's and wanted some advice, Firstly, I took out a loan last year which they told me at the time the only way they'd allow me the loan would be if I took out there PPI ? Am I right in thinking this is a definate case for being missold PPI ? Also, I've…
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PPI nerves!
I have been recieving email updates on a regular basis from moneysavingexpert and have meandered over Martin's excellent site for months now, but it has been a call from a PPI reclaiming company that has prompted me to join the forum today. I have previously gone bankrupt as a direct result of not being able to claim…
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Time Scales
Hi guys, Just curious how long people are having to wait for their PPI claims to be upheld. I understand some take a lot longer than others, but according to people posting their successes on here it seems the majority of banks and/or companies are reaching a decision pretty sharpish! I'm new to the PPI reclaim, and have…
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Borderway Car Finance
Took out finance on a car with the above for approx 5k in 2003. Paid it off (cant remember if it was paid off gradually or cleared it with a subsequent bank loan)however I cant remembr if I was paying PPI - from what i have read on here, its pretty rare to get car finance without PPI - So, my question is; How do I check…
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Argos store card
...well im on a roll...successfully claimed against lloyds for one loan, got rejected for another which i have contested by contacting FOS this morning due to me being in the armed forces therefore the PPI was unfit for purpose as i woldnt have ever needed cover due to 'sicknes, injury, unemployment' etc due to the nature…
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What's a reasonable offer?
I recently made a complaint about being missold some payment protection and the complaint was upheld. As a good will gesture they have offered to pay me an ex-gratia offer of the monthly cost of the PPI from inception through to the day the policy ends. They say this is a final offer. Is this a good offer? It doesn't…
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218bhp Vs. Northern Rock (PPI Claim)
Around 3 years ago I had a loan from Northern Rock that included PPI. Within 30 days of the money landing in my account, a friend warned me that PPI was normally a rip-off and I should cancel it. I called Northern Rock who told me that I couldnt cancel it because doing so would mean I'd have to re-work the loan and go…
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Refund of apr difference after ppi refinance
Halifax/bank of scotland have upheld my case for misseling of my ppi which is great news.:T Although I had another complaint from when i refinanced the loan 1 and a half years ago to get rid of the ppi. The apr went up from 7.9 to 9.9 for the new loan. has anyone had any luck getting the apr brought down to the previous…
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EMC advisory Services - getting out of their contract
My husband has signed up EMC advisory's services to claim back 2 PPI's which we feel were mis sold to us on two TSB loans taken out in 2005. After giving them the information, we received a letter from them on the 8th March 2010 saying that they had sent a complaint letter to TSB about one of the loans and they were…
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cant cancel ppi on natwest loan
Hi,I have a single premium policy on loan.Cant afford the loan let alone the ppi,so i thought i would cancel it to reduce the payments(even tho cant afford them) I have recieved a letter saying that as i have had a successful claim on this policy in the past,i cannot get any refund of insurance premiums resulting from the…
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sar letter
hi im a bit thick to all this sar thing but i have copied a letter and part of it says i undersatnd that statements on there own are not covered by the data protection act yet i m not requesting per se but th charges which i am entitled. what is PER SE any help pls
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'Capital Returns' - has anyone dealt with them before?
Hi, We were recently contacted by a company called 'Capital Returns' who are saying they think they an get us about £22'000 in compensation! We have gone through quite a lengthy assessment process and everything seems legit. The thing is now they are saying they need £1000 up front in order to fund the claim (and that if…
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mortgage PPi?
Im confused - I had an old mortgage with Abbey National - all paid up now - If i had PPI on it can i claim this back as well?
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latest installment of hbos saga!
Well they have agreed the PPI was missold and are going to payout which they have already done several weeks ago on loan 1. Loan 2 agreed payout but say cant put straight into my account needs to be a cheque (loan 1 was straight into my hbos account) Its been 2-3 weeks now and still no cheque Loan 3 which is currently…
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Credit card - PPI
Hi I would appreciate your advice. I have had a b/card for a number of years and am paying a whopping £53 quid a month for optional ppi. My problem is working out how much I've paid over the years - am I right in thinking I can request the paperwork for a £10 fee? I can't even remember when I took the card out :o or ever…
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Quick Q on 6 month limit
I have asked advice on here before(possibly on my fathers account on his behalf) and decided to go to the FOS on a PPI claim on a RBS Bank loan, instead of accepting the £750 offer we recieved from RBS, despite them rejecting our claims in their final offer letter. We wrote a letter back with an amount we wanted, in the…
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Sahara i-Care
I have been called by a representative of this company claiming it can assist in reclaiming PPI and credit card charges. They were cagey and evasive about how they got my details but knew my full name, address and Postcode. Some rudimentary Googling doesnt throw up much but they appear to be an Indian based company and the…
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ppi help
i have a loan with ltsb which had ppi on it i contacted lloyds as i didnt know i had it and they have contacted me with an offer for the loan insurance premium but not the interest over 3 years they say its the full and final offer should i take this to the financial ombudsman?
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Welcome Finance Last Cheque Arrived!
:j I have now had all my PPI refunds from Welcome Finance a total of £7k. For those of you still claiming my claim took from November 17th to 23rd March when the last cheque arrived. We kept on ringing them to check the progress but most of our help came from our original account manager who seemed only too pleased to…