PPI Reclaiming Discussion part 4

di3004

Rockbird wrote: »

Thank you again! I might just contact them on Monday to see what they tell me.

And I'm just getting used to how this site works (just call me Luddite Lil!!!)

LOL your doing good :rotfl::D;).

Good luck for Monday, remember its your money.:beer:

catharsis

Does anyone have experience of applying to Marks and Spencer for PPI reclaims for either:
a. A loan
b. Charge Card
I have loan documentation from from April 1999 and also a selection of statements for the charge card including PPI payments each month for 5 years.
I have searched but could not find - was or is M&S regulated by FOS in the late 1990s? If not does anyone know who regulated them? I remember reading some comments on threads but could not find them now.
Very many thanks

di3004

catharsis wrote: »

Does anyone have experience of applying to Marks and Spencer for PPI reclaims for either:
a. A loan
b. Charge Card
I have loan documentation from from April 1999 and also a selection of statements for the charge card including PPI payments each month for 5 years.
I have searched but could not find - was or is M&S regulated by FOS in the late 1990s? If not does anyone know who regulated them? I remember reading some comments on threads but could not find them now.
Very many thanks

Hi there

I expect there are many who have had dealings with these, especially a loan ppi.
And charge card.

I am not sure about M&S being regulated but you could check with the financial ombudsman service first if you want to, they should be able to check this for you.

It could be a case of following this up with the underwriter/insurer otherwise, as the FOS are also trying to make these liable as well and have suggested this direction to many.
And they would have been regulated.;)

So when you get the chance next week, give the FOS a call.
There are ways around this.
http://www.financial-ombudsman.org.uk/contact/index.html

And more on reclaiming, a checklist of mis selling reasons, the procedures on reclaiming etc here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Hope this helps.:)

busterj

I have a loan which Im paying off over 5 years, but 2 1/2 years ago
had a top up and again had PPI, for the same loan. This means Ive paid two lots of PPI, is this wright ???:rotfl:

busterj

any ideads please

Rockbird_2

Rockbird wrote: »

Thank you again! I might just contact them on Monday to see what they tell me.

And I'm just getting used to how this site works (just call me Luddite Lil!!!)

Hi there again.

Have just phoned MBNA's Customer Service Dept and they can't help! There is no direct line that they could put me through to, nor is there an email address, for the Customer Advocacy Dept, who are the ones I need to speak to.

The Customer Service Adviser did say that he thought that they should have issued me with a cheque and not just refund the PPI to my account and he advised me to write to the Customer Advocacy Dept again, stating this and re-requesting the breakdown of the figures that I asked for. I had received a letter saying that they would respond within 28 days, which means that I should get a response by next Monday, if they've not ignored or overlooked my request. However, I think I will still go ahead and ask again, as per the phone call today!:cool:

karen1998

hi i have asked a claims company to claim some money for me but have sinced found out that they charge a heavy fee and they now tell me if i cancel within two weeks of joining them i will still owe them two hundred pounds for them phoning the company who i am claiming from. If i new this i would not of asked this company i am on benifits and cant afford this can anyone advise.

di3004

busterj wrote: »

I have a loan which Im paying off over 5 years, but 2 1/2 years ago
had a top up and again had PPI, for the same loan. This means Ive paid two lots of PPI, is this wright ???:rotfl:

Hi there

And yes that sums it up, however if you had the loan with the same lender you would have possibly have had a rebate (in reducing the previous loan balance), but you still make a reclaim on both policies if mis sold on both.
So basically if you used a broker for the first one you make a separate reclaim to them and the other to the lender.

Hope this makes sense.;)

di3004

Rockbird wrote: »

Hi there again.

Have just phoned MBNA's Customer Service Dept and they can't help! There is no direct line that they could put me through to, nor is there an email address, for the Customer Advocacy Dept, who are the ones I need to speak to.

The Customer Service Adviser did say that he thought that they should have issued me with a cheque and not just refund the PPI to my account and he advised me to write to the Customer Advocacy Dept again, stating this and re-requesting the breakdown of the figures that I asked for. I had received a letter saying that they would respond within 28 days, which means that I should get a response by next Monday, if they've not ignored or overlooked my request. However, I think I will still go ahead and ask again, as per the phone call today!:cool:

How frustrating for you!!

Well lets hope then you do hear some response by next Monday, good luck and please keep us posted.;)

di3004

karen1998 wrote: »

hi i have asked a claims company to claim some money for me but have sinced found out that they charge a heavy fee and they now tell me if i cancel within two weeks of joining them i will still owe them two hundred pounds for them phoning the company who i am claiming from. If i new this i would not of asked this company i am on benifits and cant afford this can anyone advise.

Hi Karen

Claims companies - never trust them.

I would personally contact the Ministry of Justice in short known as MOJ and ask for advice on this, 2 weeks is pathetic.
Give them a call here:
http://www.justice.gov.uk/contactus.htm

And explain your situation to them.

Once and hopefully resolved, you can do this all free with help from this site, check the link below and follow the guidelines to reclaiming, also ask for further help if required.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Get that matter sorted out first though, please let us know how you get on, cheers.;)