PPI Reclaiming Discussion part 4

di3004

kayjayzed wrote: »

Hi again,

Thanks for your very helpful advice. I will complete the questionnaire and keep you posted of how it's going.

Hi

Your very welcome and good luck.:)

We look forward to hearing the outcome.;)

trish123

Hi all,have spent the last few days reading throught this thread and have now decided to try and claim back some ppi.My first one is from my Morgan Stanley credit card quick question do i send my letter to Barcleys?
I have a few catalogue accounts through Redcats will i need to do them seperate?
My last one is with Mbna any success storties with this one?

di3004

trish123 wrote: »

Hi all,have spent the last few days reading throught this thread and have now decided to try and claim back some ppi.My first one is from my Morgan Stanley credit card quick question do i send my letter to Barcleys?
I have a few catalogue accounts through Redcats will i need to do them seperate?
My last one is with Mbna any success storties with this one?

Hi Trish
Hope your well.

You write to whoever set this up for you in the start.

And I would now send the questionnaire's recently issued by the FOS, they have stated they save time, in case they try to stall by sending their own, as some do this.
On the guidelines of reclaiming link below, go to Stage one, and you will come across a Questionnaire issued by the FOS, its suggested as well to keep copies in case you need to refer to them later on, or go to the FOS.
You can of course write a cover letter as well (if you want to).
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
They as normal have 8 weeks to respond with a decision.

In regards of Redcats, I believe a questionnaire for each one would be required, unlike a letter to cover all, but if you did want to do a cover letter, just list all the account numbers the questionnaires relate to.

Hope this helps.:)

With MBNA, I believe there have been much success, check on the success thread as well if you have time to check this out, good luck.

Di
X

BigCraigJohn

di3004 wrote: »

LOL, well there's always a first time :rotfl: and I'm sure it won't be the last.:D;):T:T

I am curious now as well, and will be going through all mine again tomorrow.
Thanks for bringing this up though, it will also be a help to others as well, so they can be aware of this in case it happens to them.

This is what you are looking for

Lol notice the computer generated ticks.

http://i1017.photobucket.com/albums/af299/badgercraig/Lloydsppi/Lloydsppi2/Lloydsppi3/ppiagreement3.jpg?t=1273678509

di3004

BigCraigJohn wrote: »

This is what you are looking for

Lol notice the computer generated ticks.

http://i1017.photobucket.com/albums/af299/badgercraig/Lloydsppi/Lloydsppi2/Lloydsppi3/ppiagreement3.jpg?t=1273678509

Oh yes, now I will be checking again, cheers.:D;)

trish123

Thanks DI304 that was helpfull, going to do the letters etc tonight when lo are in bed.

di3004

trish123 wrote: »

Thanks DI304 that was helpfull, going to do the letters etc tonight when lo are in bed.

Your very welcome Trish, ask if you need any further help.;)

BigCraigJohn

Out of interest what are peoples view on the "Life cover" element of the ppi?
Lets just say you were single, living with parents, no assets and children etc. Am I right in saying that a person in this position would have there debt written of anyway as there would be nobody liable?. And would this alone be grounds for a mis sold claim as you would not need the cover?. After all its for there gain anyway.

Sorry i'm probably just grasping at straws.

amersall

BigCraigJohn wrote: »

Out of interest what are peoples view on the "Life cover" element of the ppi?
Lets just say you were single, living with parents, no assets and children etc. Am I right in saying that a person in this position would have there debt written of anyway as there would be nobody liable?. And would this alone be grounds for a mis sold claim as you would not need the cover?. After all its for there gain anyway.

Sorry i'm probably just grasping at straws.

hi there, that is what the cover is for, to pay off that particular debt, your debt is not automatically wrote off as the insurance pays it, my friends brother died, lived with parents no property no wife and kids, when he died he had an estate worth 28,000 that was his car, life insurance,one months pay with holiday due and a pension, after the funeral was paid for the debts he owed were paid back and his mum and dad got 1500 does this help?

amersall

just another thought, why would the loan company write the debt off when it will be paid off by the insurance? i know where you are coming from but i wouldnt have thought that would be grounds for a mis sell lol pity though, but life stinks !!