PPI Reclaiming Discussion part 4

dec22

ADAMESKI wrote: »

Hello,

Ive been trying to rack my brains regarding the loan that I took out back in 2003 with EGG and cannot remember how I applied. I have a sinking feeling that my application may have been online, but also remember speaking to an operator also.

At the time I was not made aware that it was possible for me to locate the insurance elsewhere and a much cheaper premium due to my inexperiance with money issues. I have sent my letter, back into EGG confirming this and am anticipating a big No-No from them in reply.

Am I kidding myself that they may be willing to pay out , when I possibly ticked the PPI box online after advise given from a phonecall.

Also is there any tips or advice on how I should advance once I get back the letter stating I applied online so they will not uphold my Claim. My loan will run for another two year and the PPI payment plus Interest, would clear the last two years I have to pay.


Thanks for reading and any advice would be greatly appreciated.

Adam B

Hi Adam

My online PPI claim was rejected by Egg and is now with an Adjudicator.

Best plan of action when you get their final response is to file a complaint with the FOS. Either download the complaint form or ring them up and they will give you a complaint number and post the forms to you.

The PPI box was pre-selected when I applied in Jan 2004 and these are th grounds upon which I am complaining as well as the fact that I was sent a letter saying I was pre-approved for a lon of £xxx and i had a reference to logon and submit a partially completed application. I can't remember seeing the PPI being shown separately on the screen.

Good luck!

ADAMESKI

Thank you for your replies on my Message.

My fingers are crossed and I shall wait and see the outcome.

I believe that their refusal to refund will make my plight more intense and dedicated, as I think the PPI misell issue is a big one. I shall be more determined to fight the case and go all the way with the FOS. Nearly 8years of paying into a loan that 33% is PPI is not a good thing and had I had more finanacial nouse at the time would not have been tricked into this situation.

Thanks again and I shall keep you updated.

di3004

lucieloo wrote: »

hi i have received a response from my brokers today and i dont know what to do next. it is too long to type is there anywayi can scan it on here?

I think some use something called "Photobucket" lucieloo, I have not used them yet, but I think its a way of posting anything you have, remember though to delete the personal details.;)X

jo941976

Thanks Di you have been a great help, I have received a letter from the financial ombudsmen this morning confirming that relax have gone into administration and that my file is going to be passed to the fscs....so hopefully will have some good news soon
Thanks again
Jo

di3004

jo941976 wrote: »

Thanks Di you have been a great help, I have received a letter from the financial ombudsmen this morning confirming that relax have gone into administration and that my file is going to be passed to the fscs....so hopefully will have some good news soon
Thanks again
Jo

Hi Jo

That is wonderful, well done please keep us updated and your very welcome.;) Good luck X

Di

tiff25

di3004 wrote: »

Hello there

I received one as well and so have Marshallka, as we are also with Pinnacle.
Did you notice a monthly increase over the last year? That actual amount you was paying over is what you will receive back.

This was something the FSA I think it was had suggested rising for short time but only for a temporary amount of time, so you should receive all they owe you what you have overpaid in that time.;)

They should have sent you a breakdown. X

Hiya thanks for replying yes they said they are refunding me some money. But i didnt even know i had ppi so would it be something i could get a refund on or do i need to have ppi on a mortgage? thanks

di3004

tiff25 wrote: »

Hiya thanks for replying yes they said they are refunding me some money. But i didnt even know i had ppi so would it be something i could get a refund on or do i need to have ppi on a mortgage? thanks

Hi there

Oh I see, then yes you may have a claim then.;)

Check here for more info and post up for help anytime.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

hope this helps X

lucieloo

di3004 wrote: »

I think some use something called "Photobucket" lucieloo, I have not used them yet, but I think its a way of posting anything you have, remember though to delete the personal details.;)X

thanks di i cant do it on here. dont know how to do it. i might just forget it now as i dont really know what else to do. but thanks anyway x

di3004

lucieloo wrote: »

thanks di i cant do it on here. dont know how to do it. i might just forget it now as i dont really know what else to do. but thanks anyway x

That's okay Lucieloo hun, not to worry.;)
These methods always get me confused myself, shame there was not an automatic button on here so we had the option of attaching documents.XX

LiarLiar_2

How do you post on this sight? Sorry for asking here but did not know where else i could find out. Thanks in advance.