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PPI qHSBC saying I only had a credit card in 2004 but I am sure I had one a few years before that...
Hi, I have (finally) received my PPI outcome from HSBC, a repayment of £705.60. My issue is that I am 99.99999% sure that I had an HSBC gold credit card around 1998- 2002 and not 20/08/2004 - 30/10/2005 as they have stated. I called them about this as I could SWEAR that I had that gold credit card when I was at college in…
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thePPIteam con
I'm usually very careful with cold callers and give them a swift 'not interested' but I have been caught out by a company called 'thePPIteam'. Has anyone else experienced them and can anyone give me legal advise? Several years ago I used a Claims Management company to reclaim some PPI. It was a minefield back then and I…
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No contract, no idea of% of fee to pay
Please can anyone help , we decided to go withe a ppi reclaim firm and we gave authorisation for them to continue, this firm collapsed and our details were passed to another company unbeknown to us ,they diid eventually get in touch and sent another letter of authorisation which we signed ,,, but then heard nothing from…
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PPI claim rejected - but premiums not stopped for 4+ years
Hi all - a friend of mine has asked me to help with a PPI claim, and I'm stuck with a way forward so thought I'd ask! He had PPI for many years (9+) with Bank of Scotland, and when money got tight called to cancel it at the call centre - adviser said it had been done. He noticed a year or so later that HBOS was still…
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The ppiteam
I hope this helps someone. The ppiteam cold called my elderly grandma last year. To cut a long story short she received £2500 ppi back from her bank with ppiteam asking for a 1200 fee. I immediately thought this strange as the max fee was 25% it was just by luck I was at her house when she received the letter from them. I…
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Do i have to pay??
My ppi claim company who i gave authourisation to passed my claim onto another company , again i gave authorisation , however,,, its been passed onto apparently another company who i kniw nothing about , have had no correspondance or given any authorisation to ,, now blackorse have agreed on a payment ,, and we only know…
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Quickquid question.
Hi all. I'm currently 3 years into a 5/6 IVA. I hear that you can make a claim against Quickquid for compo for all the missold loans and that in the past. I borrowed loads from them. So is there a way I can find out how muchy claim would be without actually claiming as I'm sure that would be against my IVA rules. I don't…
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Taxed Again On Tax Rebate
Back in November I claimed the tax back on PPI payments I have received over the last few years. The amount was £1039.00. I’ve just received a letter from them this morning telling me I owe £377.49 in unpaid tax on this money. How can they repay me for tax paid and then ask for the tax to be paid on the amount they paid?…
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Credit card ppi delayed decision
I’ve got an ongoing ppi on a cooperative bank credit card on 26th Sept they said they acknowledge my claim and within 8 weeks they would reach a decision, when the 8 weeks was up they said because of the high claims due 2 the ppi deadline they was allowed 2 extend 2 a further 20 weeks however they wrote 2 meet last week…
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Capital One cannot find my account!
Dear Forum Last May (well before the cut off deadlline) I submitted a claim for a Capital One Credit Card on which I believe I paid PPI. I no longer had the paperwork but I did have the account number because I found the actual credit card in an old wallet. The account expired in 2003. After many reminders, and attempts to…
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Paid 24 years for insurance policy that doesn't appear to exist.
Hi I am new to the page so hope that I am posting in the right place. We have been paying for a payment protection policy as part of our mortgage for 24 years. As the mortgage is almost finished, we decided to cancel the policy and add that money to our remaining mortgage payments. Much to our surprise neither the bank or…
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PPI Refund after Payplan IVA Completion Help
Hello, i completed my IVA with Payplan well over 4 years ago now, I originally owed £18k but repaid around £23k to Payplan including £8k of PPI at the time. I have recently received a letter from Tescos saying Im due another refund of £3500 but they are saying it will be paid to Payplan! Is this right? I’ve paid around £5k…
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Halifax PPI
Hello, I have a claim for ppi for a credit card I had with Halifax many years ago. I don't remember ever being told about the ppi policy or have paperwork about it. It's with the Ombudsman who have said they are not going to agree with the claim as there is no proof that the Halifax didn't tell me about the policy. I would…
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PPI Interest - higher rate tax payer
PPI payment received in tax year 18-19. When is the deadline for paying the tax owing on the interest? On the tax return that is due by 31st Jan 2020 or later?
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Tax due on PPI payment
I was fortunate to receive a PPI refund today, by cheque. Some tax has been deducted from the initial figure, maybe 3.5%. Should I expect to pay more tax than that? I’m a basic tax payer.
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Is my PPI refund calculation correct?
I recently received a refund from Barclays on PPI, but I'm having trouble understanding how the interest refunded was calculated. The policy started on 1 October 2010 and ended 2 January 2020, where I was paying £8 per month PPI over that period. My refund includes: £896.00 of PPI premiums paid £161.49 of interest on the…
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Employee benefits and PPI
Hi I’d appreciate any guidance please. My dad had ppi with Cheltenham and Gloucester ( now Lloyd’s) on a mortgage from around 20 years ago. He’s been turned down for a refund on the basis that there’s no evidence of employee benefits that he did have at that time. Unfortunately Dad is not well and his memory and cognitive…
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Aviva and Halifax Household Insurace
Can anyone please advise me what the tie up is between Aviva and Halifax Household Insurance is please. Aviva have advised me that my Halifax Policy is being withdrawn. I telephoned Aviva and I asked why. I was told that they offer better terms if I take out a new policy. When I asked what the difference was they couldn't…
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Checking a RBS PPI compensation offer
Hi newbie here. I've received 2 letters from RBS today making an offer for mis-sold PPI policies on old repaid loans. How do I check the amount they are offering - I have no paperwork relating to these loans. Can I :- 1. Ask RBS to provide a breakdown of their calculation 2. Send in a Subject Access Request (or whatever…
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Santander PPI - I only got £20.09
So I made a complaint to Santander about the PPI on a Burton's store card that they've taken over from GE Money. I opened the card back in October 2003 when I was out of work. I specifically remember the sales assistant on the till in Burton's asking if I'd like to save 10% on a purchase I was making. I remember telling…
