amersall wrote: »
As yours are credit cards, i think someone who has claimed these back already will guide you more on this.
You really do not need to use the template as it is easier to write a few lines in your own words.
I find the template very off putting, i am suprised that many use these, it really has you confused at the moment, i got all my wins with just a letter to the company, only one went to fos so only one headache with the template.
Footiemad wrote: »
Great minds think alike;) Yes, I will keep strong and positive, no news is good news!!! Fingers and everything else crossed for the both of us and anyone else in the same boat:(
Moneydingbat wrote: »
First post so be gentle.
Just wanted some general advice really.
I took out a loan with a company called Beneficial Finance, I though was a reputable company affiliated with HSBC who I banked with at the time. Took the loan out on 15th October 2005. Was told that the loan would not be accepted unless I take out the PPI which I did.
Through subsequest financial difficaulties and missed payments my account has now ended up in the delightful hands of Restons Solicitors. Who now take the amount of £150 from my employer before my salary is credited each month.
So my questions are this -
1. Am I too late? I have followed the proceedure on this wonderful site and have written to HFC (as beneficial are now known) and they have replied saying we are looking into and waiting for a judgement of some sort?
No you are not too late, banks are waiting for the jr to have an outcome. 2. Has anyone had any sort of success with HFC? As I note they appear in the list on this website for companies who have gotten into trouble over loans taken out in the period mine was.There have been wins with this company.
3. Should HFC accept and acknowledge the mis-selling of this PPI do I have a case that I might not have gotten into such financial difficaulties and ended up owing money to Restons Solicitors.Hopefully you will get a good result. There are a lot of people who have got in difficulties with ppi increasing monthly payments and the underhand way this was sold.When you get a reply, post on here and we will take it from there.
Fingers crossed for you
Origingal Loan - 5700
Now outstanding with Restons - 6300 bearing in mind this is 6 years later.
Any help anyone can give would be so so appreciated!!
Help a Moneydingbat in need!!
Sorry this has been such a long first post!
kelephonica wrote: »
Apologies if this has been covered earlier in the thread but there are over 700 pages of it so I wasn't too keen on checking it all!
I was sold Mortgage PPI by The Mortgage Shop when they were setting up my first mortgage for me 4 years ago. At the time I thought I was just buying 2 policies - life insurance and home insurance (both with Legal and General) but recently realised that there are 3 monthly payments to L&G from my bank account - the 3rd is for MPPI. I receive renewal updates every year for the other 2 policies but I have never once received a single piece of paper work from L&G regarding the PPI.
How should I go about claiming I was missold this? Do I start with L&G or The Mortgage Shop? If I get to the stage of the Ombudsman, is my complaint against L&G or The Mortgage Shop since it was them who did the sneaky selling? I'd love to get this claimed back as I've been paying £21 a month for 4 years for something I didn't even know I had and don't need. That's £1008 down the drain!
Any help appreciated,
fathersday wrote: »
I would like some info on claiming back PPI on a Debenhams store card taken out in Feb 2003 please.
According to card company the PPI was taken out after the card was opened and it was done by a telephone call to me. I cannot remember this conversation at all. I did not even know I had PPI till someone pointed it out to me on the statements, it is down as "Acc [email protected] per £100 Bal"
I have read alot of threads on this site but cannot find much aout GE Money although I beleive they have been fined in the past.
So my questions are
1. who do I contact
2. should I ask for paperwork first and do I send £1 or £10 cheque for this info, or should I just do the questionaire.
3. Can't find if they were regulated or not in 2003.
4. Has anyone been successfully with this company.
Santander have taken over it now and I am trying to claim the chargs back as well but they don't seem to want to play ball.
Just had a thought should I be writing to Debenhams not GE or Santander?
Many thanks for you help
di3004 wrote: »
Hi Kel and welcome
May I suggest you post this one in regards of Mortgage PPI in a separate thread, so Dunstonh can see this one and will be able to give some useful advice on this one.
kelephonica wrote: »
thanks for the help di! I looked at the other threads in the forum and found one similar that Dunstonh was posting on so I directed my question there.
all the best! Kel
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