PPI Reclaiming discussion Part III

suckers2008

I do believe i was mis sold the mortgage as I was under the impression that I had to take it AND I wasnt told I couod get it cheaper - eg when I rang the same lender for a quote I was given £25 as a monthly payment and I currently pay £90!
I dont know what to do! I m scared now and know I cant have any stress otherwise I might have a miscarriage

suckers2008

thanks Di - they ended my employment but they said if I worked til end of december they would pay me Jan and Feb so essentially I am getting £3K tomorrow an £3k next month hence money is okay at the moment and I cant go and "sign on" not that I thought I woudl ever do that but having already spoken to recruitment agencies there is nothing about in my field at the moment even if I looked to take a £10K wage drop! So shall I wuickly re-instate the monthly payment and then ring them next month and tell them?

di3004

suckers2008 wrote: »

I do believe i was mis sold the mortgage as I was under the impression that I had to take it AND I wasnt told I couod get it cheaper - eg when I rang the same lender for a quote I was given £25 as a monthly payment and I currently pay £90!
I dont know what to do! I m scared now and know I cant have any stress otherwise I might have a miscarriage

We do know this can be very stressful for you hun and you need to try to avoid getting stressed out, like the others have said here as well hun, contact them as soon as you can ,they may be more helpful than you realise if you explain your current situation here, you could also contact your local Citizens advice, tell them its urgent and you need this sorting for as soon as possible, also tell them your pregnant, they should help by contacting these companies on your behalf to arrange something for you.;)

dreamer33

suckers2008 wrote: »

I do believe i was mis sold the mortgage as I was under the impression that I had to take it AND I wasnt told I couod get it cheaper - eg when I rang the same lender for a quote I was given £25 as a monthly payment and I currently pay £90!
I dont know what to do! I m scared now and know I cant have any stress otherwise I might have a miscarriage

You need to do what Di suggested and contact the mortgage company to advise them of your situation. It may be that you can still get a mortgage but might be for a lesser amount. Also when you completed the mortgage papers did you advise them your job was 6mths probation?

You also should request all the information the company holds on you and your husband (both sign the letter) and enclose £10.

You should then decide if you want to continue with your claim for mis-sold PPI.

Your request is a Subject Access Request, I don't have the template letter but I know its on this forum.

Please don't worry about this you still have your flat, take it one step at a time and see what happens.

di3004

suckers2008 wrote: »

thanks Di - they ended my employment but they said if I worked til end of december they would pay me Jan and Feb so essentially I am getting £3K tomorrow an £3k next month hence money is okay at the moment and I cant go and "sign on" not that I thought I woudl ever do that but having already spoken to recruitment agencies there is nothing about in my field at the moment even if I looked to take a £10K wage drop! So shall I wuickly re-instate the monthly payment and then ring them next month and tell them?

Now this would be your choice hun and if you feel this would ease the pressure maybe you could re-instate the monthly payment for now and then ring them for next month, this would settle your mind at present I think, or see what the others think here hun.;)
Fingers crossed it will be sorted out and it does all sort out in the end.xxx

dreamer33

Just popping out with the doggy

di3004

Okay hun

I shall be back at some point, better get back to Daniel now he's finished reading, but its lunch time coming up here as well lol:D , catch you all shortly.xxx;)

suckers2008

Okay have written out a cheque and off to the post office now and then think I will ring them next month and the mortgage company

kazc_2

Thanks Di,
Had a fantastic holiday in Australia thanks.
Will do as Marshallka advised and see what happens. It does get you down as you feel it's an uphill struggle with these people !
K x

Dreamer06

Hi there, I sent my ppi reclaim letter to welcome finance (claiming 3 accounts) on 1 letter, they sent me a letter back quoting only 1 account number, I have phoned them back to tell them i am claiming for 3 account not, the snooty little madam on the oter end asked why was I reclaiming anyway because they were paying the ppi premiums for me! Is she trying to scare me off?