PPI Reclaiming discussion Part III

douglashar

Hi,

I took out a loan out about 5 years ago with insurance which was mis-sold to me. They didn't even offer without insurance, and instead offered as one lump sum with the insuarance included in the repayments.

I then had to extend my loan 2 years ago, and decided to extend without insurance, as had registered to this website and realised that insurance was in fact unneccesary. So, am not paying insurance anymore.

Can I still apply to reclaim the insurance that I paid before extending my loan?

Thank you for your help.

D

dreamer33

Littleluc21 wrote: »

I know, escpecially as they dont have my credit agreement for one of the accounts and have admitted they have never even seen it! They have until next Wednesday and then I am back to the MP.........feeling very positive!!!

Lxxx

I wish you the best of luck.

dreamer33

sammy452 wrote: »

Hi all
My hubby wrote to both Goldfish and Smile virtually 8 weeks ago and has heard nothing from them even acknowledgement of our letter. Anyone else had any luck with them at all?
Also we have had a response from MBNA saying its taking them longer to investigate and will come back to us by end of this month. Do you think this is a good sign?
Thanks

I'm still waiting for my SAR from MBNA, it's been over 40days so I have reported them to the Information Commission. Awaiting response.

Did you send your letters recorded delivery?

dreamer33

douglashar wrote: »

Hi,

I took out a loan out about 5 years ago with insurance which was mis-sold to me. They didn't even offer without insurance, and instead offered as one lump sum with the insuarance included in the repayments.

I then had to extend my loan 2 years ago, and decided to extend without insurance, as had registered to this website and realised that insurance was in fact unneccesary. So, am not paying insurance anymore.

Can I still apply to reclaim the insurance that I paid before extending my loan?

Thank you for your help.

D

If you believe that the ppi was mis-sold to you then there is no reason why you cannot put a claim in.

Who was your loan with and what date/year did you take it out.
Have you requested a Subject Access Request, (SAR) this is all the information a company holds on you?

di3004

Right then folks,
Better get back to my work here, hubby can get on with the last form and its my turn to take over with Daniel.;)

Catch you all later then and Marshallka, good luck for this afternoon.:A xx

dreamer33

Just make a cake for the kiddies and its smells..................mmmmmmmmmmmmmmmmmmmmmmmm :j just need it to cool now so I can cover it in chocolate.

dreamer33

di3004 wrote: »

Right then folks,
Better get back to my work here, hubby can get on with the last form and its my turn to take over with Daniel.;)

Catch you all later then and Marshallka, good luck for this afternoon.:A xx

Catch you later DI x

Bewbie

Hi, I had a number of loans with HSBC who made the PPI a condition of the loan. They may have been taken out more than 6 years ago should I still try and get my money back or is 6 years the limit. I have called them and they have logged my enquiry and will get back to me in 5 days.

maxdp

Hi Dreamer

Congratulations on your medal:T:T:T:T

moonflower_2

Can someone please advise me .I have a claim ppi with Capital One.

I sent the 1st letter on the 10/11/08 they then replied on the 24/11/08

I sent the 2nd (pre existing illness) and drs letter on the 27th November.
I called them todayand was passed from dept to dept and on hold for just under an hour!

On each occassion the couldnt find the account number.

I am concerned that they cannot find the information.
The chap also said they are not required to reply until 16/01/09.

Surely they cannot reply if they are unable to find the account.
Should I contact the Information officer or FO or wait longer.