PPI Reclaiming discussion Part III

moonflower_2

Hi everyone,I hope that this has come into the correct thread.

I want to claim back my PPI which was taken out for my mortgage,however for some reason I cannot access the letter.

Please can someone help?Many thanks. M

di3004

moonflower wrote: »

Hi everyone,I hope that this has come into the correct thread.

I want to claim back my PPI which was taken out for my mortgage,however for some reason I cannot access the letter.

Please can someone help?Many thanks. M

Hi there moonflower.

May I ask if the ppi was automatically added to your mortgage, before we go any further here please hun?
What year was this?
Did you try to reclaim of this for some reason? for example, unemployment, sickness etc ?

Cheers;)

maxdp

andyrobbo wrote: »

Hi everyone,
As if by magic from my post yesterday I received a letter from HSBC stating that they require the full 8 weeks to investigate my complaint and will be in touch in this time.
Is this just the standard yarn they send everyone or is it looking favourable in anyone's experience?
Cheers
Andy

Yes that is standard they have up to 8 weeks for a full response.:D

di3004

Hi Maxdp.

Hope your good.:D

And hope you get some good news today ?;)

I am having a few hardware problems with this lappy , need to try and sort them, so in case you lot wonder where I got to, if I have not posted for a while you will know.;) x

maxdp

Oooohps sorry Marshallka. On wrong page:D

di3004

moonflower wrote: »

Hi everyone,I hope that this has come into the correct thread.

I want to claim back my PPI which was taken out for my mortgage,however for some reason I cannot access the letter.

Please can someone help?Many thanks. M

Moonflower check my post above, just posted to you and if you believe you were mis sold this or they would not let you claim on this, then check out the link here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

You will find some useful PPI information, plus a template letter, send them a letter with your own reasons to try and reclaim on this, and as soon as you have the final decision which states the financial ombudsman on it, and if not successful you can then take your complaint to the FOS.
Some companies will give you another chance to forward more information before sending out a final response.;)

Send by recorded post as they have 8 weeks, you can keep an eye on the timescales.

Keep us posted in order for us to help you to the following, step.

Good luck;)
Di.

moonflower_2

Thanks for reply , I took policy out at the same time as the mortgage in
2004
However I was not advised that it would not cover pre existing illness.

I was informed of this when I became unemloyed and tried to claim.
The payments were £74 per month.

di3004

moonflower wrote: »

Thanks for reply , I took policy out at the same time as the mortgage in
2004
However I was not advised that it would not cover pre existing illness.

I was informed of this when I became unemloyed and tried to claim.
The payments were £74 per month.

Right I see, thanks hun, well in that case you have a good case to go by here then..

I have added some information for you on the above link, check that out and if there is anything else you need to know just give us a yell.

Good luck hun, please keep us posted. Cheers.;)

Di

marshallka

moonflower wrote: »

Thanks for reply , I took policy out at the same time as the mortgage in
2004
However I was not advised that it would not cover pre existing illness.

I was informed of this when I became unemloyed and tried to claim.
The payments were £74 per month.

You have to claim from the person that sold the insurance to you if different to your lender...

Did you use a broker?

di3004

Will prepare to email the adjudicator shortly......its the deadline.....:rolleyes: , fingers crossed folks, I have those butterflies in my tummy....... , I suppose if lloyds have not given in yet then, it will be moved forward.....:rolleyes: .