PPI Reclaiming discussion Part III

di3004

pinknico wrote: »

Marshallka you have offended no one you are a diamond. xxx

And i need your help can I reclaim PPI from a credit card put on more than 6 years ago? Thanks

Hi Pinknico

There is also some info on here about this as well hunni.;)

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

How far back can you go?
Before starting, it's important to see if your claim is valid.

• Did your policy start in the last six years?
  If your policy started in the last six years, whether you're still using it or not: Reclaim and ask your lender for a copy of the paperwork if you no longer have it.
• Is your policy older but still active or ended in the last six years?
  If your policy started over six years ago and you are either still using it, or it ended within the last six years: Reclaim and ask your lender for a copy of the paperwork if you no longer have it. Your chances of success may be reduced if you have been aware of the misselling for some time, you have already complained or your account is very old.
• Is your policy older?
  If your policy ended over six years ago and you have the paperwork: Reclaim, although your chances of success are reduced, as it will depend on what you can remember about the sale.
  If your policy ended over six years ago and you do not have the paperwork: It's unlikely there will be records and unlikely the reclaim will be successful.

And I totally agree with your comment.:A XX

dreamer33

pinknico wrote: »

Hello jojo1964 MBNA are hard work, but if you stick at it you should be ok.

Totally agree MBNA are a nightmare.:mad:

dreamer33

di3004 wrote: »

Hi Pinknico

There is also some info on here about this as well hunni.;)

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

And I totally agree with your comment.:A XX

Hee Hee look at the time of the posts again DI xx:rotfl:

di3004

dreamer33 wrote: »

Hee Hee look at the time of the posts again DI xx:rotfl:

Oh yes lmao.....:rotfl: :rotfl: :rotfl: lol

marshallka

Pinknico....

How far back can you go?
Before starting, it's important to see if your claim is valid.

• Did your policy start in the last six years?
  If your policy started in the last six years, whether you're still using it or not: Reclaim and ask your lender for a copy of the paperwork if you no longer have it.
• Is your policy older but still active or ended in the last six years?
  If your policy started over six years ago and you are either still using it, or it ended within the last six years: Reclaim and ask your lender for a copy of the paperwork if you no longer have it. Your chances of success may be reduced if you have been aware of the misselling for some time, you have already complained or your account is very old.
• Is your policy older?
  If your policy ended over six years ago and you have the paperwork: Reclaim, although your chances of success are reduced, as it will depend on what you can remember about the sale.
  If your policy ended over six years ago and you do not have the paperwork: It's unlikely there will be records and unlikely the reclaim will be successful.

dreamer33

jojo1964 wrote: »

They have taken a number of top up loans with the same company over the years, The TSB i believe (didnt think they still existed, getting info from a phone call to them), He was 68 when he took out the latest loan, and was informed that he was not covered for unemployment (trying to get full details from them) he also had a pre-existing medical condition) so i cannot see what the insurance would cover, they are sending me the details for me to print out a letter (from template) to start the ball rolling.

Another query, any info on success reclaiming unfair charges from MBNA credit card? a lot of question i know, but this has got me going now.

MBNA are a nightmare however do not give up when/if you receive fob off letters, if you check any letter received by them you may well see small numbers at the bottom, meaning its one of their standard letters.

Good luck JOJO

di3004

marshallka wrote: »

Pinknico....

How far back can you go?
Before starting, it's important to see if your claim is valid.

• Did your policy start in the last six years?
  If your policy started in the last six years, whether you're still using it or not: Reclaim and ask your lender for a copy of the paperwork if you no longer have it.
• Is your policy older but still active or ended in the last six years?
  If your policy started over six years ago and you are either still using it, or it ended within the last six years: Reclaim and ask your lender for a copy of the paperwork if you no longer have it. Your chances of success may be reduced if you have been aware of the misselling for some time, you have already complained or your account is very old.
• Is your policy older?
  If your policy ended over six years ago and you have the paperwork: Reclaim, although your chances of success are reduced, as it will depend on what you can remember about the sale.
  If your policy ended over six years ago and you do not have the paperwork: It's unlikely there will be records and unlikely the reclaim will be successful.

lol, this has given me a giggle as well, I just edited my post above and added this the same time as you hun lol, but no worries as that post has gone by now lmao :rotfl: :rotfl: X

dreamer33

pinknico wrote: »

Marshallka you have offended no one you are a diamond. xxx

And i need your help can I reclaim PPI from a credit card put on more than 6 years ago? Thanks

I am certain that you can only claim bank charges going back 6yrs.

marshallka

http://www.fsa.gov.uk/pubs/cp/cp49_newsletter.pdf


http://www.financial-ombudsman.org.uk/NEWS/updates/200005-release-new-handling-arrangements.html

di3004

Good luck JOJO.;)

Keep us posted hunni, and keep at them.:D XX