PPI Reclaiming Discussion part 4

anu1964

Hi,
I took out a loan with Yorkshire bank 3 years ago with PPI. This was consolidated with the previous loan which also had PPI. I have just paid off the loan in full. Can you please tell me if I would be entitled to any refund? Can I add that I agreed for PPI on the loan I took out 3 years ago

di3004

anu1964 wrote: »

Hi,
I took out a loan with Yorkshire bank 3 years ago with PPI. This was consolidated with the previous loan which also had PPI. I have just paid off the loan in full. Can you please tell me if I would be entitled to any refund? Can I add that I agreed for PPI on the loan I took out 3 years ago

Hi there

If you settled early I assumed you would be entitled to a refund, however ask them for a written breakdown (detailed) they should still hold these details, and maybe someone can check them out on here for you, they may have just reduced it by a rebate sort of thing.


Or, post on a separate thread below, subject/title it " Am I entitled to PPI refund?" and someone will post up who will know the answers on this for you.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

Good luck.

amersall

New2dis wrote: »

Hi everyone
Never posted but been reading for a while. I am one of those who have used a company to help me get my ppi back, unfortunately I hadn't read any of your comments before I did this otherwise I could have done it myself:embarasse Never mind ayy I have some others I might try on my own. Back to the point. No rejection letter or anything like that received but today I received a letter from First plus stating that it is now 5 years since I took out the loan and on the 12th June the original ppi will expire. Whats that about???:shocked: I took out the loan over 25 years!!!!:eek: The letter looks like I only took it out over 5 years. Whats this all about. Thanks for your help guys:T

Have you put a complaint for mis sell of the ppi?.

This ppi after 5 years with FP you get the ppi total back(if you have no arrears or claimed on the ppi previous).... but the ppi total is still on your loan to term end with interest, it is in your best interest to reclaim the ppi and your loan will be reset without ppi, the total ppi comes off your balance (so less interest they can get from you ) your monthly payment goes down by the ppi amount and you get all the monthly ppi back that you have paid to date with interest.

h0pusp0pus

just an update ive had another letter through from egg this morning (why dont they just send it in the same envelope!!) asking me to fill out the form that has now replaced the letter that you could print off from mse so i shall be filling them all out today and sending them off to the correct people

The_Marksman

h0pusp0pus wrote: »

just an update ive had another letter through from egg this morning (why dont they just send it in the same envelope!!) asking me to fill out the form that has now replaced the letter that you could print off from mse so i shall be filling them all out today and sending them off to the correct people

thanks for the update & keep us posted:D

k77mss

hi guys since getting the letter at beginning of week from rbs saying they did agree with me being missild i was due 0 due to it being older than 6 years been waiting for second letter for 2nd complaint to be delivered expecting same letter but SURPRISE SURPRISE they've offered me £5899 which includes interest this is the one they have seemely lost my agreement form so have to take their word on figures i'm going to take my money and run as i think getting our money back isn't going to be as easy as we thought.

just sent my stuff to fos today on 1st one with rbs and just got 10 more to hopefully get sorted without fos.
now we can have a family holiday in summer so chuffed hope this is start of good news on here as not been much lately!! :j:j:j:j:j:j:j:j:beer::beer::beer::j:j:j:j

amersall

k77mss wrote: »

hi guys since getting the letter at beginning of week from rbs saying they did agree with me being missild i was due 0 due to it being older than 6 years been waiting for second letter for 2nd complaint to be delivered expecting same letter but SURPRISE SURPRISE they've offered me £5899 which includes interest this is the one they have seemely lost my agreement form so have to take their word on figures i'm going to take my money and run as i think getting our money back isn't going to be as easy as we thought.

just sent my stuff to fos today on 1st one with rbs and just got 10 more to hopefully get sorted without fos.
now we can have a family holiday in summer so chuffed hope this is start of good news on here as not been much lately!! :j:j:j:j:j:j:j:j:beer::beer::beer::j:j:j:j

:beer: Well done and congrats :T:T:j:j

di3004

k77mss wrote: »

hi guys since getting the letter at beginning of week from rbs saying they did agree with me being missild i was due 0 due to it being older than 6 years been waiting for second letter for 2nd complaint to be delivered expecting same letter but SURPRISE SURPRISE they've offered me £5899 which includes interest this is the one they have seemely lost my agreement form so have to take their word on figures i'm going to take my money and run as i think getting our money back isn't going to be as easy as we thought.

just sent my stuff to fos today on 1st one with rbs and just got 10 more to hopefully get sorted without fos.
now we can have a family holiday in summer so chuffed hope this is start of good news on here as not been much lately!! :j:j:j:j:j:j:j:j:beer::beer::beer::j:j:j:j

Fantastic work!:T:j:T
Overjoyed for you.:beer::beer::beer::beer: xXXX

charge73

Am I missing something on the article update - I cannot seem to find any link to the template letters for the initial contact with your credit card issuer. Can anyone please point me in the right direction? Thanks

di3004

charge73 wrote: »

Am I missing something on the article update - I cannot seem to find any link to the template letters for the initial contact with your credit card issuer. Can anyone please point me in the right direction? Thanks

Hi there
The template letter was replaced by a reclaim questionnaire, below link step 3.
Remember to keep copies for your records as well, good luck, and allow up to 8 weeks.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step3