PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Yes maybe.....:D , and maybe that is why they have not provided it already, I don't know.
Worth checking it out though, I will post it to you, you can check it for me if you don't mind, and when you have time of course lol, cheers.;)

How soon should they send this agreement, any ideas ?

Like yesterday really, it should have been in your original SAR!!!!

marshallka

dreamer33 wrote: »

Just had a thought when I read that there:

One minute its telling you, you can cancel without charge 30 days then the next it says if you settle your loan OR PPI before the end of the term you will receive a partial refund?

Is it just me or does that not read right?

Mine said about the use of rule 78 in the rebate... also no cancellation at all on mine and should have been...

marshallka

dreamer33 wrote: »

I had a call list, but no cd recordings:mad: missing from my sar

Get one, you are entitled within the SAR request...its a tape recording not a disc but you can request a disc at extra I think!!!

jasonking1972

di3004 wrote: »

Yes your right, so whoever sold you the credit is the ones to write to.

You do have a case here if you have your own copy to prove that you did not tick the agreement.;)

Thanks for that, but would it be a tad fruitless now to write to the original lender bearing in mind they passed the debt on a few years back, or are they still liable?

marshallka

jasonking1972 wrote: »

Thanks for that, but would it be a tad fruitless now to write to the original lender bearing in mind they passed the debt on a few years back, or are they still liable?

They are still liable for the misselling. You cannot claim against anyone other than the firm that actually sold you the policy in the first place.

jessie15

I am looking into reclaiming credit card protection from Egg, I have my statements showing how much I have been paying for last 6 years is that enough or do I need to ask for credit agreement?

swt61

di3004 wrote: »

Simon
Good to see your fighting your ground here hunni and keep at them.

You can still try to reclaim on this, its not your fault if they are unable to supply the CCA.
I think there may still be a chance here with the PPI.
The way I see if if you don't ask you don't get, so give it your best shot.

I can actually agree with the ppi side of it but do not know how it actually works on the whole debt, maybe someone else could have an answer here for you, but if you don't try you will never know.

Have you attempted reclaiming the ppi yet?

Thnaks for the reply,

No we have not tried re-claming the ppi yet !

Simon

marshallka

jessie15 wrote: »

I am looking into reclaiming credit card protection from Egg, I have my statements showing how much I have been paying for last 6 years is that enough or do I need to ask for credit agreement?

What are your reasons for this misselling??

Also when was this actually applied to your card in the first instance?

dreamer33

marshallka wrote: »

Get one, you are entitled within the SAR request...its a tape recording not a disc but you can request a disc at extra I think!!!

Hello everyone:D

I got a CD from FF with calls on, still only cost the norm £10.

pinknico

dreamer33 wrote: »

I think but am not too sure, but the claim would not be about the CCJ or any proceedings that have been, it would be about the mis-selling of the PPI, if you can prove it was mis-sold then I would go for it.

You could also call the CAB who will probably be able to confirm this.

I find it strange that you have ended up with two PPI policies

Is PPI - Payment Protection Insurance A Scam

Payment protection insurance (PPI) has been given a hefty battering of late. PPI is an insurance designed to protect the continued repayment on borrowings if you the borrower find that through accident sickness or unemployment that you are unable to meet your commitments. PPI has had a real scrutinisation by the FSA (Financial Services Authority), been criticised by the consumer magazine Which? and is now under severe investigation by the Office of Fair Trading. These organisations are primarily concerned with protecting the rights of you the consumer. So then what are they so uptight about:-
The major concern centres around information given at point of sale i.e. whether you are given sufficient information at point of sale to make an informed decision about whether to have PPI or indeed whether you need it. There is a massive variation in the retail cost of PPI policies which also raises concern as do the huge profits made by lenders marketing PPI as there are only a few claims made by borrowers and even less paid out their is also concern regarding how few PPI insurers are not linked either to the banks or lenders directly


The 13 main areas of mis selling:-
You were told that you had to take the PPI out at the same time as the loan or not at all.You were told that if you did not take the PPI you could be refused the loan or card.You were either unemployed or self employed at the time.You were not asked if you had other insurance to cover the loan.You fell outside the age restrictions of the policy.You were told or led to believe that PPI cover was compulsory.You were pressured into taking PPI.You were not made aware of policy exclusions which may affect you or your ability to claim.you increased your loan and the PPI cover was automatically increased.The small print i.e. terms and conditions were not adequately explained to you.You paid up front settled early and did not receive a refund.You paid an up front single premium and it was not explained to you that there was a monthly alternative.You were not told that you could get PPI elsewhere to cover the loan.


If your loan, HP, credit card, store card, or mortgage company has fallen short in just one of the 13 areas above whilst selling you a PPI policy you will be entitled to your money back plus interest.

Can you tell me where this quote comes from ,I may need it at the end of this week! Thanks x