PPI Reclaiming discussion Part III

maxdp

kav.alison wrote: »

Seen a lot of angrey people mis-sold the PPI. I couldnt belive that i was paying more for the PPI than the interst on my loan. madness what the banks can get away with. they didnt even tell me! Well i have hit back, in looking around i found these guys cleartoday.com and because i have been missold the PPI they are looking not to just reclaim bakc the PPI payment but write off the whole loan. i will be chuffed let the bank have a bit of their own medicine. haha.

Hi have looked at the site and all I would say to you is why are they asking for the money up front yes you will get it back if they win cause they will sue for costs. They are taking this money from you even before they can tell you if they take it on. Please be aware. I know it is your decision but do not want you to be shafted.:D

How did you find them did they ring you. There is a company that I know has been well published that charges think it is 495 just to look into it. You are being duped.

Apart from that good luck:D

di3004

OMG its so cold, I have all my heating on and fire, my jim jams, my thick tiger print fleecy dressing gown, my soft slippers which look like boots, loads of fur inside them, all nice and snug now......:D

marshallka

maxdp wrote: »

Hi Marshallka

Have e mailed you.;)

Roots are looking fab thank you though it is a pity about the rest of me:rotfl::rotfl::rotfl:

Have found new way to look younger for photos etc. Stand on head :eek:everything then goes back to the place it was when I was young:rolleyes: Trouble is cant see my face:rotfl::rotfl::T:T

I just wish we could go back to the cave man days. I would fit in then with mine in the morning:eek: . Scary stuff..:o

marshallka

di3004 wrote: »

Lol, I did post something a little earlier on this, but also left it to Marshallka to give her expertise advice here for when she is ready, and well done to you too.....:T .

Di, we are none of us experts and sometimes how we write things the new people think we are...its quite frightening really... we just give our opinions here...

maxdp

marshallka wrote: »

I just wish we could go back to the cave man days. I would fit in then with mine in the morning:eek: . Scary stuff..:o

OMG that would be scary. No hair straightners, no deodarant, no computer, OH coming home with kill, at least we would know where they have been :rotfl:

di3004

marshallka wrote: »

Di, we are none of us experts and sometimes how we write things the new people think we are...its quite frightening really... we just give our opinions here...

Arh okay I worded it wrong:o , but to me you are defo straight to the point and always come out with a great thorough answer.;)

I know what your saying.....just in case others think "experts", but yep its all just down to our experience why we like to help others.;)

di3004

maxdp wrote: »

OMG that would be scary. No hair straightners, no deodarant, no computer, OH coming home with kill, at least we would know where they have been :rotfl:

arhhhhhhh I could not manage without my smellies, :eek: , yet all those million of years ago it was never known of......:rolleyes: .
I love my perfumes and my dove roll on and spray, and impulse, oh and I have hair straightners what hubby bought me for my birthday, now I have them I could not do without them......:D

marshallka

geegsie wrote: »

Hi Guys,
This is my first time here so i hope you can give me some info.
Over the years we have had 4 or 5 loans from Blackhorse.
The first one we got was for £1000 and after that we got "top ups" which basically just paid of the previous loan and left us with some cash for ourselves.
I will talk about the 2nd last one we took out as this was taken out after Jan 05.
This loan was for £6950 and the interest was £2216 = £9166 and then there was PPI and it's interest on top of that, which was £2843 and £906 interest giving a grand total of £12915.
Anyway, this loan was paid off in full when we re-mortgaged the house and we have been wondering if we paid off the full amount of the PPI (£3749) or just the instalments up until the loan was cleared,what do you think?
If we have paid off the full amount of the PPI can we claim this back, because at no time were we ever told that this would happen.
We cant even remember discussing the PPI when we took out any of our loans and it certainly wasnt explained clearly to us at any time. We were under the impression that we had to take it and we didnt know that it was optional, because if we did, we would never have taken it out on the first place.
I know we signed the agreement(stupid i know) but looking at these agreements, you would need to be a lawyer to understand it, we just signed the papers and sent them back as we needed the money at the time.
Do you think we have a case to claim this money back as we feel that we were mis-sold this policy due to it not being clearly explained to us.
Any help would be greatly appreciated.
Cheers

I think Blackhorse is a problem to claim from from what i have read on here...You should be ok with the ones after 14th January, 2005 but before that I think may be a problem. If you are going for the misselling here I would send a letter for the whole lot mentioning all of them.

Just take a look at the link here and see what you can add and delete from the letter that you send. There is also a template letter on there too but sometimes it can be better to make your own up from this.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim

As some of your loans fall outside of jursidicition then I would complain to the Ombudsman (if they do not pay you back of course!!) and put the date of the last loan on the form and also mention the others on there too as these were tops ups. If they can look into these then they will do but just to get the case through to the FOS incase Blackhorse was a member of the old schemes that FOS has jurisdiction over?? then at least you have given it a bash here.


Good luck..

marshallka

maxdp wrote: »

OMG that would be scary. No hair straightners, no deodarant, no computer, OH coming home with kill, at least we would know where they have been :rotfl:

Home from home me thinks...just kidding of course, I know I don't say when I am going for shower each time but I do shower...:D

No straighteners, hmmm

No deodorant hmmm

No computer.:eek:
Knowing where the old man was hmm...

maxdp

marshallka wrote: »

I think Blackhorse is a problem to claim from from what i have read on here...You should be ok with the ones after 14th January, 2005 but before that I think may be a problem. If you are going for the misselling here I would send a letter for the whole lot mentioning all of them.

Just take a look at the link here and see what you can add and delete from the letter that you send. There is also a template letter on there too but sometimes it can be better to make your own up from this.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim

As some of your loans fall outside of jursidicition then I would complain to the Ombudsman (if they do not pay you back of course!!) and put the date of the last loan on the form and also mention the others on there too as these were tops ups. If they can look into these then they will do but just to get the case through to the FOS incase Blackhorse was a member of the old schemes that FOS has jurisdiction over?? then at least you have given it a bash here.


Good luck..

Marshallka

Do you think cause they were refinanced it should cover them cause the first one would influence the last one. Know my Barclaycard Loan was 2002 2004 2004 and the FOS looked at those