PPI Reclaiming discussion Part III

marshallka

booi666 wrote: »

Surely a maybe doesnt count,you would never know either way would you.

Im quite sure that if my wife were to say you may or may not be getting leg over and chips tonight,would be the deciding factor in whether i was to be nice to her or not,:rotfl: :rotfl:

pmsl:rotfl: :rotfl:

marshallka

burked wrote: »

Hi,

can anybody shed some light on this, about 12 months ago I bought a car from a second hand dealer for around 8k. I put down a deposit of around 55% and pay the rest off monthly, however it was'nt until 1-2 months after I purchased the car I realised I had payment protection on the loan. I wanted to know if I can claim back some money even though this is not a bank loan but hire purchase?

Yes you can, you make a complaint against the seller of the car and insurance.
Just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the seller of the ppi being the garage 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


Good luck

marshallka

showergirl wrote: »

As always your help is appreciated. How did things go for you today

thanks for that
Bp was raised but ok again now. Shoulder problem I have is most probably recurring dislocation (if it wasnt it is now after all the bending he did :eek: ) and I have to go get it xrayed tomorrow. I thought it was frozen shoulder.

marshallka

anna2121uk wrote: »

Hiya
wondered if anyone could help me a bit? my fella took a loan out about 5 years ago and was told unless he had the PPI he would not qualify for the loan so he took it out! Now I have seen the reclaiming i wrote a letter to Lloyds for him requesting they pay it back, he got a general resopone in 3 days saying they are sorry he is disappointed and will look into this for him. They said he would recieve an update in 4 weeks and a full response in 8! He has not recieved anything and it is over 8 weeks, so i sent the next letter giving them 14 days to go! Has anyone else had any experience of reclaiming from Lloyds and the procedures in which took place! Really hoping he can get the money back we are nearly saved for our house deposit and this would help loads!
Fingers crossed guys

Seems to be happening a lot now. I would just get things moving at the FOS too just in case and then you have two options. You are allowed as 8 weeks have passed since you first complained.

Good luck

oscar52

I know the experts reside here. Would one mind looking at my thread to see if I am right with my first post or second post (it will clearer on there)

Thanks in advance.

showergirl

marshallka wrote: »

Bp was raised but ok again now. Shoulder problem I have is most probably recurring dislocation (if it wasnt it is now after all the bending he did :eek: ) and I have to go get it xrayed tomorrow.

It's no wonder your Bp is up and down. Do these companies not realise the stress they put us under by given us the run around. They fob us off with their excuses at times they make my blood boil. I'm surprised when I go to have my BP checked by my doctor that he say's it is fine. So you have another trip tomorrow to have your shoulder x-rayed, why can't they do this when your there instead of you having to trail back and forth. Anyway hope you have a good night got to go now will speak to you tomorrow. Take care

booi666

di3004 wrote: »

Yikes........:eek: lol, you shall have to introduce your lovely wife to us lovely lot here......:D

Thanks di,
But this forum is for people wanting to save money:j :j :j
I really need to find one for her that likes to spend money:rotfl:

sammy452

marshallka wrote: »

Sammy was this sent by recorded delivery so you have a proof. If it was then you are free to let the ombudsman deal with it now, if not then it may be a case of starting all over again..they could say "what complaint???".

Thanks for all your replies, we did send them recorded delivery so have proof. Do you think we should go to ombudsman straight away or send another letter giving them some more time?

tracey2412

pinknico wrote: »

You can reclaim, a ccj makes no difference. I would also look at your policy to see if you were covered having only been employed 3 months.
But the fact you were not given a choice is reason enough.

Manythanks pinknico - I just wanted a confidence boost that I was on the right track before I go in with all guns blazing as it were! I can only ask, can't I - I'll let you know if I am successful, but don't hold your breath will you! lol.

tracey2412

di3004 wrote: »

Hi Tracey and your in the right place.;)

CCJ's should not make any difference, if you feel you were mis sold the PPI then you can try to reclaim and complain to Halifax about this, good you still have the paperwork.;)

Check this link out here
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

This link has useful PPI info about mis selling and if any of them occur to you then add this to the letter.
There is also a reclaim template letter on the above added link, add as much as you can to help support your complaint.

They have 8 weeks in full to respond, if you let us know how you get on we can help you to the next step if required.

Post by recorded delivery and good luck.;)

Di

Thanks di3004 - I was just looking for a confidence boost that I wasn't onto a dead cert loser which both you & pinknico were kind enough to give. I'll follow the steps & let you know - but it may take a while! Thanks again.