PPI Reclaiming Discussion part 4

sukimia

Thanks di3004 :A

Letter will be going Recorded Delivery this afternoon, fingers crossed for a swift response!!

di3004

sukimia wrote: »

Thanks di3004 :A

Letter will be going Recorded Delivery this afternoon, fingers crossed for a swift response!!

Your welcome, good luck, and fingers crossed for you.:A;)

amersall

sukimia wrote: »

I've already done the letter referring to both the loans and enclosing a copy of both credit agreements because I thought that as one was used to pay off the other they would link them up together anyway.

Hope that won't make any difference.:(

yes thats fine, fingers crossed x

amersall

toadyfrog wrote: »

A quick question on loan top-ups. I have a loan in 2003 with PPI a total of £750, we had a top up loan in 2004 which paid of outstanding on the old loan. Now when I reclaim the PPI would I only get back the year I had paid, which is about £200 or can i claim the whole amount as i had i still had to pay it all with the top up.

Also on my PPI agreement it says insured next to both our names (joint loan) so were we really both insured as I have read that normally only 1 person is insured. Also I only worked about 14-15 hours a week, does this effect it.

Thanks

hi there, when you settled your first loan you would have had a rebate of ppi, new ppi was added to the new loan with interest. (let them know you have the 2 and one was rolled into the other) if you win mis sell you will get back ppi paid to date with interest, less any rebate they gave you . on the second one you will have the ppi back you have paid to date with interest and the ppi total amount taken off your loan and the loan reset to what it should have been without ppi, so your monthly payment will go down, hope this helps, and good luck

debikitch

hi there i got offer from blackhorse and acepted, just waiting to get refund.... any ideas how long this takes... plus there looking into another 2 for me as top up loans..... 4 wks and there still no further forward.... how long do i wait? they say there still looking into it on phone

di3004

debikitch wrote: »

hi there i got offer from blackhorse and acepted, just waiting to get refund.... any ideas how long this takes... plus there looking into another 2 for me as top up loans..... 4 wks and there still no further forward.... how long do i wait? they say there still looking into it on phone

Hi there, chase them up if you receive nothing by the 28 days or a full month from accepting, good luck.
And well done.:beer:

sukimia

debikitch wrote: »

hi there i got offer from blackhorse and acepted, just waiting to get refund.... any ideas how long this takes... plus there looking into another 2 for me as top up loans..... 4 wks and there still no further forward.... how long do i wait? they say there still looking into it on phone

Hi debikitch:)
Can you tell me how long it was before they made you an offer once you had sent them the letter? or did you have to go to the FOS?

Thanks:D

sukimia

sukimia wrote: »

Letter will be going Recorded Delivery this afternoon, fingers crossed for a swift response!!

Typical! :mad: The day I am eager to get a letter sent it is a local holiday so the Post Office is closed!!!!:mad:

Oh well, just another day to wait :rotfl:

tuppenhurst

hi all just to let you know i sent a message into forum about sending in my first reclaim for ppi date sent1st of march. got in touch with bank ofter 6 weeks bank informed me they had not recieved letter [ always send recorded delivery as proof of post] phoned up cusomer care at newport they had not recieved my letter no knowledge of claim. quoted letter over phone telephone operater took all details and told me that claim will now be registerd and will recieve comformation letter in 5 days. so be warned always register letters to banks as proof of postage tuppenhurst

plshelpme_2

Hi,

I tried to reclaim my PPI for my 2 loans taken from Cooperative bank. These loans were taken long long time ago, on January 1999 and closed in January 2002. I received a letter from Cooperative Bank today that they cannot take any further action by way of investigating this matter using the standard complaints procedure and evidential basis because under statute, they have the right to refuse any claim for damages where the cause of the loss alleged was more than six years ago, or where I were aware, or should reasonably have been aware of any loss, more than 3 years ago.
I just want to ask if I could still continue pursuing this complaint, as they have given me their final response. If yes, then whats my next move?

Thanks a lot and hope somebody can enlighten me with this.