PPI Reclaiming Discussion part 4

di3004

Andy750 wrote: »

Hi again:),

I've just spoken with my wife, she's just had a phone call off a company who has claimed and I Quote" Maybe able to claim back money from the Abbey National when she was miss sold PPI, even when she took the loan out in 1998. We think the loan finished in 2003/2004. The company is called Claims Advisory Group. Has anybody come across this firm before and had any dealings with them. As I understand it, they take a percentage of the claim which I believe is at 39%:eek:. Also with the loan ending just over 6 years ago is it still possible to claim???

Please help as time is ticking:beer:

Hi Andy

Please do not use them, or any claims company for that matter, these companies tell us all the same, and because all our data are held on filing systems from when we all taken out finance, this is the only reason why they know we have taken out loans etc.

For any reclaiming, please have a go yourself with help from this site all free.:)
Lots have had no end of hassle using claims companies.

snugelle

Hello Everyone!

Please help, I've taken out a personal loan at HSBC in Nov. 2007 with a loan capital of £8,200.00 and a loan protection £1,200.10. This is according to my bank statements as I can't hardly think if I was asked any PPI when I took my PL. Now, I re-loan last June 2009 with a loan capital of £8,880 then I had a loan repayment of £5,218.90 and the bank refunded me for the loan protection which is £378.41. Am I still eligible to reclaim and how and don't you think its too late for me to act now? Please help, dont know what to do?

Many thanks!
snugelle

di3004

snugelle wrote: »

Hello Everyone!

Please help, I've taken out a personal loan at HSBC in Nov. 2007 with a loan capital of £8,200.00 and a loan protection £1,200.10. This is according to my bank statements as I can't hardly think if I was asked any PPI when I took my PL. Now, I re-loan last June 2009 with a loan capital of £8,880 then I had a loan repayment of £5,218.90 and the bank refunded me for the loan protection which is £378.41. Am I still eligible to reclaim and how and don't you think its too late for me to act now? Please help, dont know what to do?

Many thanks!
snugelle

Hi and welcome

Do you mean they rebated the amount of £378.41 when you taken out a further loan? Not actually refunded it?
Sorry if I have mis read.

But if you believe you were mis sold, you can of course make a reclaim with your reasons, do check the link below of the checklist reasons and check if any of them also apply to you.
If there were 2 loan ppi you were mis sold on you can reclaim on both, its not too late at all, as long as you have the account numbers, then go for it.

If there are separate reclaims, you can use the same reclaim questionnaire or separate, just as long as you enclose your account numbers.

Checklist here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#checklist

And reclaiming questionnaire here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#reclaim

After completion of the above - send to whoever set up and sold you the policy from the start, keep all copies of what you send and what you receive in case you need to refer to them at some point.

They normally have 8 weeks, but they may ask for more time, there are backlogs as well, due to high volumes of these complaints.

Good luck with this.

Dave_6

Hi,
It's been 9 weeks since I helped my mate to contact HSBC regarding 2 loans with PPI, one loan is still running.

HSBC have sent a third letter yesterday, first two came at the same time just saying they needed another 4 weeks.
Yesterdays letter says they still need a little more time and will respond by 6th November, they've enclosed details about the FOS.

Guessing his best option is just to wait it out rather than going to the FOS straight away.... wait a few more weeks and then chase them if they try to delay again?

cheers

amersall

Dave_6 wrote: »

Hi,
It's been 9 weeks since I helped my mate to contact HSBC regarding 2 loans with PPI, one loan is still running.

HSBC have sent a third letter yesterday, first two came at the same time just saying they needed another 4 weeks.
Yesterdays letter says they still need a little more time and will respond by 6th November, they've enclosed details about the FOS.

Guessing his best option is just to wait it out rather than going to the FOS straight away.... wait a few more weeks and then chase them if they try to delay again?

cheers

Hi there, yes give them the time they have asked for, the fos have a back log and most probably you will have had a reply(hopefully in your favour:D) before the fos can act.

smallpost

please could someone help i have a loan with AA personal finance and i am self employed. after phoning them today i find i am not covered for unemployment (going bust),only death and sickness. Do you think i would have a claim.thank you.

di3004

smallpost wrote: »

please could someone help i have a loan with AA personal finance and i am self employed. after phoning them today i find i am not covered for unemployment (going bust),only death and sickness. Do you think i would have a claim.thank you.

Hi and welcome

So you tried making a claim and they told you that you were not eligible then?

If so, you can try making a reclaim on this for this reason.
I would though still try to get separate protection that will cover all your requirements - as a stand alone option, you can google this online.

To make a reclaim, complete the reclaiming questionnaire below as stage one, keep copies of all you send and receive, in case you need to refer to it at some point.
They have 8 weeks but may ask for more time, good luck with this.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#reclaim

smallpost

i have not tried to claim yet as i didnt know if i had a case i have asked them for a copy of all my details and t&c.

di3004

smallpost wrote: »

i have not tried to claim yet as i didnt know if i had a case i have asked them for a copy of all my details and t&c.

Hi

Sorry what I meant was, did you try making a claim due for unemployment and they turned you down?

smallpost

sorry no i have'nt, i rang them to see if i was covered after reading about the PPI.