PPI Reclaiming Discussion part 4

amersall

:j:j:jWell done MATTYA :beer::beer::beer::money:

Shaz30

Hi,
I have just been contacted by someone from Payment Protection Centre, saying i can reclaim hundreads on my credit card?? Is this legit?? and someone said this site can help do it for free?? Please help as i have no idea about any of this?

di3004

Shaz30 wrote: »

Hi,
I have just been contacted by someone from Payment Protection Centre, saying i can reclaim hundreads on my credit card?? Is this legit?? and someone said this site can help do it for free?? Please help as i have no idea about any of this?

Hi there
And welcome

Not heard of these myself, maybe others have, but if you do have a reclaim, please feel free to ask for help on this site, everything on this site is free, and its only a matter of completing a reclaim questionnaire, and you pursue the ones who sold you the account.
More details here.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

There are lots of us on here that will help, good luck.;)

JC*

Hi,

I have an ongoing case to reclaim miss-sold PPI on the further advance loan we had in 2004. We have had two loans with them previously to raise the funds for home improvement but we never had Mortgage payment cover on them. The one we had in 2004 was in addition and since I stopped working in A&L in 1999 as customer advisor (just general not mortgage) I wasn't aware of any mortgage related products and I took their advice as correct thinking they wouldn't push anything unnecessary on me knowing I have worked for them previously.

It is a funny case thought because my husband works very long hours and I remember I had to deal with it myself and initial correspondence between A&L and us is only addressed to me. However the PPI we found to our astonishment is only in his name even though we both signed the loan application and we both worked full time at the time.

I remember clearly that the advisor told me it will be approved much quicker if we take the insurance and I remember her saying that it isn't much to pay on top of the monthly premiums. They argue we didn't cancel it even though it was going for years and I have to say I tried (in March) but I was told only my husband can deal with it. Since he is often away and life is not as easy as some bankers may think he didn't get round to write a letter until last autumn.

They also say that we had paperwork to sign and some welcome pack (we don't seem to have) and that we have no case so they advice us to write to Ombudsman if we are not happy with their answers.

We already gone trough contacting the insurance Cardif Pinnacle (at present) and sending a form to A&L to find that they are not going to refund us money since they can see no miss-selling and they draw attention to my husband signing the application.:(

Guys please help because we don't know what to do.

k77mss

di3004 wrote: »

Hi there

Oh sorry that was me misreading lol , right i am not totally sure on who they are but googled them in and came across the address below....
Chartered Trust

St. Edwards Court London Road, Romford, Essex RM7 9QD
East Anglia, East of England
p: 01708767311
http://www.hotfrog.co.uk/Companies/Chartered-Trust

So you could contact them to make sure, or maybe the Financial ombudsman service (FOS) will have the address details for you, you can call their free tel number here if you want to.
http://www.financial-ombudsman.org.uk/contact/index.html

consumer helpline



open 8am to 6pm, Monday to Friday

• 0800 0 234 567
  free for people phoning from a "fixed line" (for example, a landline at home)
• 0300 123 9 123
  free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02

we'll be happy to phone you back, if you're worried about the cost of calling us.

Hope this helps, good luck.;)

thanxs di
phoned fos who hadn't heard of them they gave me fscs no they couldn't find them either. found some more documents to find old address i had for them was in same building as black horse.gave them a phone and they had bought them over, since i have 3 missold ppi claims ready to post to blackhorse she tol me to send letter to cardiff office with list of loan agreements 4 including chartered trust one and they have 5 days to reply.just wanted to know if you've had dealings with black horse and to thank you for the help you've given me.:)

amersall

JC* wrote: »

Hi,

I have an ongoing case to reclaim miss-sold PPI on the further advance loan we had in 2004. We have had two loans with them previously to raise the funds for home improvement but we never had Mortgage payment cover on them. The one we had in 2004 was in addition and since I stopped working in A&L in 1999 as customer advisor (just general not mortgage) I wasn't aware of any mortgage related products and I took their advice as correct thinking they wouldn't push anything unnecessary on me knowing I have worked for them previously.

It is a funny case thought because my husband works very long hours and I remember I had to deal with it myself and initial correspondence between A&L and us is only addressed to me. However the PPI we found to our astonishment is only in his name even though we both signed the loan application and we both worked full time at the time.
It is usually only the first named borrower that the ppi covers.

I remember clearly that the advisor told me it will be approved much quicker if we take the insurance and I remember her saying that it isn't much to pay on top of the monthly premiums. They argue we didn't cancel it even though it was going for years and I have to say I tried (in March) but I was told only my husband can deal with it. Since he is often away and life is not as easy as some bankers may think he didn't get round to write a letter until last autumn.
Do not cancel this insurance, it will not have any impact on the balance of the loan or the monthly payment.They will redo the loan without ppi at a higher term and apr.

They also say that we had paperwork to sign and some welcome pack (we don't seem to have) and that we have no case so they advice us to write to Ombudsman if we are not happy with their answers.
This is not a reason for you accepting the ppi and signing for it.If the ppi was not fully explained to you at the outset then no amount of paperwork or signatures will prove that this was sold to you correctly.

We already gone trough contacting the insurance Cardif Pinnacle (at present) and sending a form to A&L to find that they are not going to refund us money since they can see no miss-selling and they draw attention to my husband signing the application.:(

Guys please help because we don't know what to do.

What you need to do now, is send a letter to a&l and say you do not believe this ppi was explained fully to you for you to make a informed decision, put what the advisor said to you at the outset,if you had sick pay from work, life insurance etc (especially your hubby as the ppi covers him) then you would not have to have extra cover.tell them about the previous loans that you did not take ppi on, and why you would need to take it for this loan, unless..... someone made it sound like you had to.

amersall

Shaz30 wrote: »

Hi,
I have just been contacted by someone from Payment Protection Centre, saying i can reclaim hundreads on my credit card?? Is this legit?? and someone said this site can help do it for free?? Please help as i have no idea about any of this?

Do it on here for free, if you need any help, just yell.

JC*

amersall wrote: »

What you need to do now, is send a letter to a&l and say you do not believe this ppi was explained fully to you for you to make a informed decision, put what the advisor said to you at the outset,if you had sick pay from work, life insurance etc (especially your hubby as the ppi covers him) then you would not have to have extra cover.tell them about the previous loans that you did not take ppi on, and why you would need to take it for this loan, unless..... someone made it sound like you had to.

We already cancelled the insurance. My hubby was well protected from his work place and additional insurance he had privately so there was no need for us to take it but we only have learned about it as we came across Martin's website!

Since A&L say "if we not happy we should go to FOA", do you think this is what our next step should be or should we argue a bit more with A&L?

Also I forgot to add we have moved our loans from A&L to Yorkshire BS and even when we moved we didn't realise we have this insurance in place.

Thank you for you support!

di3004

k77mss wrote: »

thanxs di
phoned fos who hadn't heard of them they gave me fscs no they couldn't find them either. found some more documents to find old address i had for them was in same building as black horse.gave them a phone and they had bought them over, since i have 3 missold ppi claims ready to post to blackhorse she tol me to send letter to cardiff office with list of loan agreements 4 including chartered trust one and they have 5 days to reply.just wanted to know if you've had dealings with black horse and to thank you for the help you've given me.:)

Hi there

So you have been busy then? lol.

I have not had any dealings myself with BH but am aware lots of others have done, but hope they bank will resolve this for you, please keep us posted and ask for any other help if required, and the best of luck too.;)

amersall

JC* wrote: »

We already cancelled the insurance. My hubby was well protected from his work place and additional insurance he had privately so there was no need for us to take it but we only have learned about it as we came across Martin's website!

Since A&L say "if we not happy we should go to FOA", do you think this is what our next step should be or should we argue a bit more with A&L?

Also I forgot to add we have moved our loans from A&L to Yorkshire BS and even when we moved we didn't realise we have this insurance in place.

Thank you for you support!

You are very welcome I would have another go at a&l, put what i said in my previous post, when you get a response post on here and we will help you further.