PPI Reclaiming discussion Part III

di3004

daisy83 wrote: »

Hello everyone! im new to this and i wana post a new thread but not quite sure what ive gota do. i presume i dont just reply to current thread as its a different scenario. Any help would be greatly appreciated.

Hi Daisy and Welcome.;)

If its regarding loans, you should be able to click on that link "loans" and above the page should give you the option of "New Thread", any probs let us know.;)

I take it, its not regarding PPI then is it hun?
If so you can still continue on here, unless you want the thread kept separate to anyone elses for some reason.

Here you will get all the help if its do with PPI.;)

Di
x

Google

Hi Di

The loan was with LoydsTSB back in 2001 sometime, in branch
I have the agreement but there is no signature onit

marshallka

di3004 wrote: »

Its nice to have some time together especially as you don't that often, okay not the right circumstances due to the horrible FLU etc etc.

I remember when hubby worked in the steelworks I did not see him for dust, there they worked 12 hours shifts and weekends were part of that job as well, I would be lucky to see him 1 day of that fortnight then he would be shattered and now, I see too much of him.......:o :eek: , not for long though I hope, as much as I enjoy his company, its time for him to go back to work and start earning again, I am still praying he will hear from the carpentry job, the closing date is 15th Jan, Daniel's 14th birthday.;)

Blimey Marshallka those Co-codomal are super strong, especially if they are 30/500MG due to the codiene......as you know there are some that get addicted to these.......:eek: .

Hope you feel better soon though hun, you need them to help kill that pain your going though, I feel for you, I really do......

They are what I have had when having my laps etc. I will only take 2 just tonight to get my shoulder to click back. I am really struggling. It went yesterday and its always the same one that hurts like this and its bad Di. I would not take them otherwise.

marshallka

Google wrote: »

Hi Di

The loan was with LoydsTSB back in 2001 sometime, in branch
I have the agreement but there is no signature onit

No signature of you or the bank??

marshallka

daisy83 wrote: »

Hello everyone! im new to this and i wana post a new thread but not quite sure what ive gota do. i presume i dont just reply to current thread as its a different scenario. Any help would be greatly appreciated.

If its a new thread on the loans section then go to loans and at the top its says new thread in BLUE then add your title and what its about.

Google

marshallka wrote: »

No signature of you or the bank??

No sig of mine

daisy83

Hi Di
yeah its about PPI but i didnt wana intrude on someone elses thread but here goes! Me and my boyfriend took out a loan with HSBC about 4 years ago and was told we had to have PPI as he was self employed! A year or so later we took out another loan without PPI and since then we have consolidated those two loans with a two credit cards, which i think may have had PPI but cannot remember. Our current loan does not have any PPI but is there a way we can claim back the PPI on the previous loan and possibly the credit cards as technically we are still paying for them. Also i do not have any paperwork from the loans or cards will this make a difference.

marshallka

Google wrote: »

No sig of mine

I had one like that from the co-op but what are you complaining about? Is it the misselling of the PPI? If it is then perhaps you could make your complaint and also note to them that there is no signature of yours on the actual agreement too.;)

mswannabe_2

Is there a time limit for reclaiming missold PPI insurance. Back in 1996, we took out a 4 year unsecured personal loan with TSB for £8,500 @ 14.9% APR. The branch manageress insisted at the time of our application, that personal loan payment insurance was taken. She made it quite clear that to refuse this insurance would result in us not qualifying for the loan. As we were desparate for the money, like fools we agreed. I've still got the paperwork with old account numbers on and details of how much PPI cost. It's quite horrifying - the total cost of protecting an £8,500 loan was £1894.00 or £39.47 a month. I recall settling the loan approx 18 months early (took out another loan) and receiving around £270 back for early settlement but can't remember what this early settlement payment was in relation to.

A similar situation occured again on 3 August 1998 when we took our mortgage with Cheshire Building Society. We were offered the mortgage on condition that we took out their Mortgage care policy. This policy is detailed on the offer of advance from the Cheshire but wasn't in the conditions of advance. On 16th August 2000, we cancelled this policy and took income protection insurance with Norwich Union. Again we have all paperwork in relation to Mortgage care policy with the Cheshire.

Anyone able to offer any advise as to whether or not it's worth pursuing a claim for missold PPI?

marshallka

daisy83 wrote: »

Hi Di
yeah its about PPI but i didnt wana intrude on someone elses thread but here goes! Me and my boyfriend took out a loan with HSBC about 4 years ago and was told we had to have PPI as he was self employed! A year or so later we took out another loan without PPI and since then we have consolidated those two loans with a two credit cards, which i think may have had PPI but cannot remember. Our current loan does not have any PPI but is there a way we can claim back the PPI on the previous loan and possibly the credit cards as technically we are still paying for them. Also i do not have any paperwork from the loans or cards will this make a difference.

What are your reasons fro claiming it back?? Sometimes PPI for self employment is covered and you would only know if it was by the terms and conditions of the PPI.