PPI Reclaiming Discussion part 4

di3004

melissa4827 wrote: »

Hello, please help me if you can

I did a stupid thing and asked a claim handler if they could help me find out if I was entitled to any refund on my loan, I had already cancelled my ppI but they found I had loan care on the loan too, so they asked me to sign a form so they could begin getting the money back from the bank but i did not sign this agreement and claimed the money back myself but now i have the claims handler asking for their 25% fee.
DO I HAVE TO PAY THE HANDLING FEE even though they didn't do the claiming??

Hi there

If you did not actually sign anything, I really don't see why you should have to pay the fee, as you had a go yourself this money (refund) should all be yours.
Did you keep the copy of the letter you sent when you reclaimed yourself?

I would write to the company and tell them you did not end up agreeing for them to do the reclaiming for you and have not signed anything to give them permission to do so, ask them for copies of anything you have signed to prove this otherwise. (Because they should not have continued to do this without your written/signed permission anyway).

Hopefully though, someone else who may have been through the same thing will have some answers/advice on this one for you, good luck anyway and well done.;):beer:

MoodyBlues

di3004 wrote: »

Hi there

Well I certainly think you have a good case with the reasons you have, if they don't uphold in your favour when you do get to make a reclaim by the final decision then complain to the financial ombudsman service (FOS) who I'm sure will see this in your favour, good luck.;)

OK, thanks. I'll just stick with it then and hope for the best

di3004

MoodyBlues wrote: »

OK, thanks. I'll just stick with it then and hope for the best

Fingers crossed for you, please keep us posted, cheers.:);)

BigCraigJohn

Hi sorry if this is answered but theres 536 pages
Ive got a few questions i'd like to ask if somebody wouldnt mind answering.

I have 4 accounts which I want to try and claim back.
I have sent both SARs as there is other things I want to check also(say both as 3 are with the same bank).
Will this include all information on the ppi/call transcripts, t&c etc?.

There is 1 account where I have a copy of the original agreement from 1998(my 18th b day). It was pre filled and I just signed it, all I remember was I went in for a meeting with the manager where I was given a debit card and a few other naff insurances and despite not wanting 1 I was persuaded to have a credit card so signed the agreement. Now it has had the ppi box ticked, the limit was £500 which was less than a months wage so no way i'd of asked for it. Can I reclaim this far back?, I have since cancelled but tbh didnt remember having it till I recieved my agreement on an s78 request. Card is still in use.

Also another account opened in 2003, I was called about a month after opening the card and sold some ppi. I cant remember what was said but I was an asthmatic which I imagine I would of mentioned and ofcourse this would of voided any related claims + again the limit was very low so I doubt it was in my interest. Now the other thing with this 1 was that I went self employed in 2005 and paid up till early 2009. It may of been ok when taken out but I had never been told it would probably not of paid out to a self employed person so didnt even consider telling them. Any grounds here to reclaim and will I get the transcript of the sale call and original t&c in the SAR?

Then the other 2 were loans taken out in branch both with PPI, told I had to have it because of my age and the fact I had only been in my job 9 months. These were taken in 2003 then redone up in 2004. I dont remember what was refunded from the first but no doubt something wont add up there.

Sorry to waffle, any advice on whether a I can claim this far back and b whether I have a case would be much appreciated

melissa4827

di3004 wrote: »

Hi there

If you did not actually sign anything, I really don't see why you should have to pay the fee, as you had a go yourself this money (refund) should all be yours.
Did you keep the copy of the letter you sent when you reclaimed yourself?

I would write to the company and tell them you did not end up agreeing for them to do the reclaiming for you and have not signed anything to give them permission to do so, ask them for copies of anything you have signed to prove this otherwise. (Because they should not have continued to do this without your written/signed permission anyway).

Hopefully though, someone else who may have been through the same thing will have some answers/advice on this one for you, good luck anyway and well done.;):beer:

Thanks,but i did not keep a copy of the origional claim letter so i cannot check for any "small"print or other things that might tie me to the claim company and my signature is on that letter asking them to look into my account, but i do have the letter that i myself wrote to the bank asking them to deal with me and not the claims company. well thanks i will try and get out of it but anyone reading this BE WARNED CLAIMS HANDLERS FEES ARE BAD..my fee for writing to the bank is £280 (25%) of what i am entitled to claim back...:mad:

maria2204

Hi Guys,

Sorry for this, I need advice

Took out Loan June 01 with LTSB for £16,000 and had a PPI added for £3369.25 settled in May 02 with another loan £16,300 PPI added £4332 settled in March 2003 with a new loan 24,000 with a PPI of 5,091 settled this in August 2004. Can I make any claims I have all paperwork, supplied recently with a SARS request.

Advice would be appreciated.

Maria

amersall

melissa4827 wrote: »

Thanks,but i did not keep a copy of the origional claim letter so i cannot check for any "small"print or other things that might tie me to the claim company and my signature is on that letter asking them to look into my account, but i do have the letter that i myself wrote to the bank asking them to deal with me and not the claims company. well thanks i will try and get out of it but anyone reading this BE WARNED CLAIMS HANDLERS FEES ARE BAD..my fee for writing to the bank is £280 (25%) of what i am entitled to claim back...:mad:

if i were you i would phone claims company, and ask for the proof that you signed to say they could take a percentage.if you get the form and you have signed it then i dont think there is a lot you can do but to pay. i dont know if the fos may be able to help? if you did all the work this company in effect did not do much to earn the fee, give fos a ring and they may be able to give you guidance. please let us know how you get on

amersall

maria2204 wrote: »

Hi Guys,

Sorry for this, I need advice

Took out Loan June 01 with LTSB for £16,000 and had a PPI added for £3369.25 settled in May 02 with another loan £16,300 PPI added £4332 settled in March 2003 with a new loan 24,000 with a PPI of 5,091 settled this in August 2004. Can I make any claims I have all paperwork, supplied recently with a SARS request.

Advice would be appreciated.

Maria

hi there, yes you can claim for all of these. just put all account numbers and reasons for mis sell, good luck and let us know how you get on

di3004

BigCraigJohn wrote: »

Hi sorry if this is answered but theres 536 pages
Ive got a few questions i'd like to ask if somebody wouldnt mind answering.

I have 4 accounts which I want to try and claim back.
I have sent both SARs as there is other things I want to check also(say both as 3 are with the same bank).
Will this include all information on the ppi/call transcripts, t&c etc?.

There is 1 account where I have a copy of the original agreement from 1998(my 18th b day). It was pre filled and I just signed it, all I remember was I went in for a meeting with the manager where I was given a debit card and a few other naff insurances and despite not wanting 1 I was persuaded to have a credit card so signed the agreement. Now it has had the ppi box ticked, the limit was £500 which was less than a months wage so no way i'd of asked for it. Can I reclaim this far back?, I have since cancelled but tbh didnt remember having it till I recieved my agreement on an s78 request. Card is still in use.

Also another account opened in 2003, I was called about a month after opening the card and sold some ppi. I cant remember what was said but I was an asthmatic which I imagine I would of mentioned and ofcourse this would of voided any related claims + again the limit was very low so I doubt it was in my interest. Now the other thing with this 1 was that I went self employed in 2005 and paid up till early 2009. It may of been ok when taken out but I had never been told it would probably not of paid out to a self employed person so didnt even consider telling them. Any grounds here to reclaim and will I get the transcript of the sale call and original t&c in the SAR?

Then the other 2 were loans taken out in branch both with PPI, told I had to have it because of my age and the fact I had only been in my job 9 months. These were taken in 2003 then redone up in 2004. I dont remember what was refunded from the first but no doubt something wont add up there.

Sorry to waffle, any advice on whether a I can claim this far back and b whether I have a case would be much appreciated

Hello there

Well in my personal opinion, it looks like you have grounds to reclaim, so I would definately give it a go.

It makes no difference if the accounts are settled or still ongoing.

Lots on here have also been successful in reclaiming as from the 1990's and having hold of the agreement will or should help.

Any accounts you have had with the same bank should be enclosed within the SAR, however it may vary on how far back they will go.

I received SAR info going back to the early 2000's and my hubby from the late 90's, so it can vary depending on how lenient the bank is really, and of course some will provide disc recordings where others supply both dics recordings with written transcrips of telephone calls, dates, times, what the conversation entailed and so on, or they will just supply the written transcripts.

If you've not SAR'd yet, here is the letter template with the details here:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

If all the accounts were with the same bank, then one SAR will cover all, so if you also banked with them, you just write your bank account number, and they will send all they hold on you.

If you did not bank with them, write down all the account numbers that you held all the accounts with if you can, but by just writing down the one account number should include all they hold on you.

You enclose £10 postal order or cheque payment, and they have 40 calendar days to comply, and I would also post by recorded delivery for your proof of posting.

In regards then of reclaiming, you can write on the same letter, just as long as the reasons are the same, just write all account numbers that apply to that actual complaint.

More here below of the guidelines of reclaiming, they then have 8 weeks in full to respond, however, do post up for help if required from here, good luck and please keep us posted.;)
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Di

di3004

melissa4827 wrote: »

Thanks,but i did not keep a copy of the origional claim letter so i cannot check for any "small"print or other things that might tie me to the claim company and my signature is on that letter asking them to look into my account, but i do have the letter that i myself wrote to the bank asking them to deal with me and not the claims company. well thanks i will try and get out of it but anyone reading this BE WARNED CLAIMS HANDLERS FEES ARE BAD..my fee for writing to the bank is £280 (25%) of what i am entitled to claim back...:mad:

Hi there

I would not pay them a penny anyway, and would certainly think about doing what amersall have suggested.;)
Good luck with this and please let us know how you get on, cheers.:)