PPI Reclaiming Discussion part 4

h0pusp0pus

just a note of interest ive had an email through from egg today informing me that barclays has now brought the egg credit card from egg and now they will be dealing with egg credit card from now on

tiesteelm

Hi,

I sent letters to each of my creditcard companys asking for the Insurance payments. Firstly Barclays said "okay but we need £10 to relase the information" that was 10 days ago. Today Halifax got in touch and sent me a copy of EVERY statement I have had. My question is why didn't Barclaycard send me the statements? Are they just stalling?

Cheers
Tiesteelm

di3004

footiemom wrote: »

hi

help would be very much appreciated.

i have had about 3 loans with beneficial finance probably started taking loans with them around 2000. all loans have been paid off. all 3 loans were sold to me with ppi inhouse and i was told that the loans were unlikely to ba approved if the ppi not taking. also feel with my employment i get 6 months full pay during sickness and ppi is not relevant but as i said was told loan would be declined if not taking.

so.....

want to reclaim this but want to check im going the right way about it. i have no account numbers or documentation regarding these loans so do i firstly send a sar to hfc ( who i believe now take over beneficial) giving all details ie name address previous addresses dob etc, send a po for £10 (do you make the po payable to hfc as no longor have check book but hey thats another story, and wait and see what i get back?
if you can let me know im starting in the right direction it would be much appreciated all info i have gained so far has been reading through threads. its a great site
thanks

footimom

Hello there

If you want to try to save a bit of money, then some suggestions first but failing that, then go the SAR direction, you will have to give them as many details as possible in order for them to try to find your loan account details.

Firstly, if your still with the same bank now where you paid the loan repayments, and bank online, this may allow you to check bank statements as from 2002, the loan account number of that actual loan may be shown next to the loan monthly repayment.

Or ring them, some have made contact by phone and given details, again you need to give them as many details as possible.

Then just as long as you have your account number, and knew you were paying for ppi and mis sold, you can continue to make a reclaim.

You can do so by completing the reclaim questionnaire as on step 3 below, remember to keep copies, allow about 8 weeks for a decision.
Send to their head office or complaints dept (of whoever sold you the loan).
Hope this helps, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

Also just to add, if mis sold for the same reasons, one questionnaire should be sufficient, remember to apply all account numbers, but if the mis selling reasons differ - complete separate reclaims.

di3004

redlegbeau wrote: »

Hi Can you claim for a mis selling mortgage protection insurance which ended 12 years ago We paid it for many years and when we needed to make a claim. my husbands illness was mental we were told we could not claim any money if we had been told this at the time that there was exclusions we would not have taken out the PPI

Hi there

this is one for dunstonh and/or magpiecottage, so if you've not done so yet, please post on a new thread as on the link posted below, title it "Mortgage ppi reclaim query", it will not be missed then, good luck.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

di3004

Spazzy_McGee wrote: »

Hi all,

Im new here and was hoping someone can help me, I have contacted Barclays for a copy of my loan agreement dated back to 2007 as I want to complain and hopefully reclaim some missold PPI, when speaking to them they told me that the loan I took out in 2007 was paid up in 2008 and I know this is not correct as I hadnt paid it off, and they were taking the money from my account each month. Ive asked for a copy of the loan agreement which they say has been paid up and was told it would arrive in the next 3 working days, which it hasnt. I will call them again and request a copy, but if I complain without a copy of the agreement my chances of reclaiming any PPI is reduced, but if they cannot find it surely I have no chance???

Look forward to your comments.

Thanks

Hi there

You can still make a reclaim, as long as you have your loan account number and your reasons, I did not have all my loan agreements and still made reclaims.

However, they don't always hold copies of statements after the loan has been settled, although they are supposed to keep data of the account over the last 6 years.
You can always contact the information commissioners office (ICO) for advice and info on this.
https://www.ico.gov.uk/Global/contact_us.aspx

For more on reclaiming, step 3 reclaim questionnaire here.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3
Complete - send to their complaints or head office, and allow 8 weeks, keep copies of everything, good luck.

di3004

blond_duck wrote: »

hi all, some advice needed please i have found my original documents for a loan with alliance and leicester, i noticed ppi was added, i have the original document for the ppi, but on the document is a so called signature signed by my husband under the heading singed on 'behalf of the insurers', this is not and never has been my husbands signature, the monthly payment of ppi, was £55.17. as i have said before we went into a debt managment programme for this loan and whilst we have paid quite a considerable amount of money off on this loan now, we still are paying this off, do i have a claim this loan is older than 6 years, from now on i will take more time and attention over paperwork, i dont have anymore loans, i save for what i need now, thanks in advance

Hi there

Yes I would certainly give it a go, as long as you have the account number, then go for it.
Many have still been successful on even earlier years making a reclaim.

Step 3 reclaim questionnaire
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3
complete & send to head office or complaints dept of whoever sold you the loan, keep copies and allow 8 weeks for a decision, good luck on your reclaiming.

di3004

h0pusp0pus wrote: »

just a note of interest ive had an email through from egg today informing me that barclays has now brought the egg credit card from egg and now they will be dealing with egg credit card from now on

Hiya

Thanks for your update, and I'm sure this will also be a help to others, good luck and hope you hear some good news soon.;)

di3004

tiesteelm wrote: »

Hi,

I sent letters to each of my creditcard companys asking for the Insurance payments. Firstly Barclays said "okay but we need £10 to relase the information" that was 10 days ago. Today Halifax got in touch and sent me a copy of EVERY statement I have had. My question is why didn't Barclaycard send me the statements? Are they just stalling?

Cheers
Tiesteelm

Hi there

If you requested for just a copy of your agreement & terms and conds, this only costs £1 cheque or postal order, and this normally takes 12 days.

In regards of a SAR, this is what you paid for, £10, they have 40 calendar days to comply and send everything they still hold on you.
There is a SAR letter template below, this includes everything, if this is not the one you used, you can ask them to send all that is requested for on the SAR, and you have already made the sufficient payment for.
https://forums.moneysavingexpert.com/discussion/1475553

Any problems, contact the Information Commissioners office (ICO) and ask for advice, as they help with these matters, good luck.
https://www.ico.gov.uk/Global/contact_us.aspx

mitziemoo

Hi again guys and girls, had to dash out this morning and wasnt sure how to use this site,,,,i hit the wrong button on my typing and deleted it all silly me.i try again just

themass

lol, bless.