PPI Reclaiming discussion Part III

dreamer33

I'm off now, going to have an early night for once lol

Hope yous get some good news tomorrow form mr postie

Nite all xxx

marshallka

dreamer33 wrote: »

I'm off now, going to have an early night for once lol

Hope yous get some good news tomorrow form mr postie

Nite all xxx

Night Dreamer, hope FF get back with good news tomorrow..:D .

marshallka

dreamer33 wrote: »

OOOOOOHHHHHHHHHH anyone got any banks charges their waiting for:

http://www.themoneystop.co.uk/112008/many-banks-get-all-clear-over-bank-charges.html

I have posted this on the bank charges reclaim thread Dreamer, hope you don't mind..;) .

di3004

dreamer33 wrote: »

I'm off now, going to have an early night for once lol

Hope yous get some good news tomorrow form mr postie

Nite all xxx

Night dreamer, sorry I missed you. Sleep well.:A xx

marshallka

di3004 wrote: »

Night dreamer, sorry I missed you. Sleep well.:A xx

I'm following now Di so good night. Lets hope we all win tomorrow.. I can't see how you can lose as you were not covered and you have the proof so they can only let it go one way... If you were not covered how can you lose . How can there be any other issues..:D

di3004

marshallka wrote: »

I'm following now Di so good night. Lets hope we all win tomorrow.. I can't see how you can lose as you were not covered and you have the proof so they can only let it go one way... If you were not covered how can you lose . How can there be any other issues..:D

Okay hun, you sleep well too.......:A . Nighty night. xx

I just hope I get some good news this week then.:D
And you and everyone else of course xxxx

scotlad1980

Good Evening,

I am looking for some advice about whether I have any chance of reclaiming PPI?

In Jan 2004 I took out a loan with HBOS for £6000 with PPI at £1175.80 added on. In June 2006 my circumstances changed and I had to start a DMP to all my creditors and when I started the DMP I was advised to cancel all my insurances as they were nill and void.

When I contacted HBOS I was told that I could not cancel the PPI on the loan as I was now on a DMP.

I now wonder do I have a case for getting PPI cancelled and refunded due to the fact the HBOS refused to cancel a insurance I can never use?

Any advice would be really helpful.

Thanks.

di3004

scotlad1980 wrote: »

Good Evening,

I am looking for some advice about whether I have any chance of reclaiming PPI?

In Jan 2004 I took out a loan with HBOS for £6000 with PPI at £1175.80 added on. In June 2006 my circumstances changed and I had to start a DMP to all my creditors and when I started the DMP I was advised to cancel all my insurances as they were nill and void.

When I contacted HBOS I was told that I could not cancel the PPI on the loan as I was now on a DMP.

I now wonder do I have a case for getting PPI cancelled and refunded due to the fact the HBOS refused to cancel a insurance I can never use?

Any advice would be really helpful.

Thanks.

Hi there
Good to see you here.;)

Right I am not sure what the rights are exactly if your on DMP, but even though I am not certain I think I hear that you could still try to reclaim on the ppi if you feel you were mis sold for any reason.
Maybe someone else here can confirm this for you.

However, for your purpose check out the link I will add below and you will come across some useful ppi information and also a template letter you can use to help with your letter, please try to write in your own words and of course with your reasons of why you believe you were mis sold.

Link here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

They have 8 weeks to get back, another letter maybe required in order for them to reconsider if not successful first time round, as soon as you receive the final decision, they should also mention the financial ombudsman service, who you can take this complaint to if not successful.

Post by recorded post to keep an eye on the 8 weeks deadline.
If you still not heard from them by the deadline then fill out a form to the FOS anyway.

If you let us know the outcome, we will guide you every step of the way.

Good luck.;)

Di

HomeJames_3

Thanks for your help Ive written my letter to A&L and sent an email and registered my claim via their telephone line. (ive had a busy evening) I took your advise and mentioned the previous loan and the fact that it was a consolidation. I even found the initial loan aggreement so fingers crossed and i will keep you up to date with how i get on. thanks again

wozzer1969_2

Hi
i have recently recieved a reply from first plus with ref to me complaining to the ombudsman about being mis-sold the ppi loan.first plus have finally replied saying they did not mis sell the policy but if i want to cancel i will get £1164.93 and a gesture from them of £3562.86 which will come directly off my loan. the policy was £11000 from when i took it out in 2006. could any one tell me is this something i should accept even though it makes very little impact on my loan or should i continue with the obudsman.
please help