PPI Reclaiming Discussion part 4

amersall

Hi mstopham, you would not have been covered as you were in the military this is correct, i would think that as they gave you your premiums back you have in effect "settled" this and i do not think you would get anywhere now putting a claim in for mis sell.
What year was this?.

amersall

mstopham wrote: »

It was most certainly insurance to cover the overdraft. It was designed to pay out should I not be able to work.
As I mentioned, details are hazy, it was 16 years ago, I was young and naive and I haven't got a scrap of paperwork from then.
I will ask my mum if she remembers any further details as she was the one that went into the branch after I broke my foot to start the claims process.
I think, though cannot be certain, that is was just TSB at the time when I took the overdraft and that it became Lloyds TSB by the time I broke my foot.
But it was them that approached me for the overdraft, insisted on the insurance, I was 100% up front about what I did and earned and then they reneged when it came to pay out time. Personally I would rather I never had to be making the claim and that my foot never broke but it is then doubling galling to have paid into an insurance policy for them to then reject a claim on grounds that meant they should never have sold it me in the first place. As far as I can tell I did nothing wrong and they made mistakes.
I am not certain it counts as PPI but it seems fairly similar.

Even if you put a claim in now for the interest on the premiums, i would think 16 years is far too long for the bank to go back now,and as you have no paperwork this will be a no go.

k77mss

hi guys keep up the good work haven't posted for wee while nothing happening with my complaints at moment but have been following everyone success stories.quick question the news from barclays yesterday does this include egg as they own them too or is it just wishful thinking!

The_Marksman

k77mss wrote: »

hi guys keep up the good work haven't posted for wee while nothing happening with my complaints at moment but have been following everyone success stories.quick question the news from barclays yesterday does this include egg as they own them too or is it just wishful thinking!

good point would be nice wouldnt it!:D

i think they only own the cc side of egg??

:D

k77mss

The_Marksman wrote: »

good point would be nice wouldnt it!:D

i think they only own the cc side of egg??

:D

yes it was a egg cc i would phone them up but it was my husbands and they will only speak to me if he's here. thanxs anyway

The_Marksman

k77mss wrote: »

yes it was a egg cc i would phone them up but it was my husbands and they will only speak to me if he's here. thanxs anyway

you never know, may be worth a call:D

Sykes1978

Has anyone got a link were I can download the PPI questionnaire claim for for WFS? I was using Nochore to make a claim for my PPI refund I had loans from 2003 to 2007 all paid off early due to topping up the loan and PPI was provided with each loan which I never needed as I have employer benefits being a civil servant up to 2005 and then we transferred to a company and still had the same benefits plus the same women I seen over the years for each and every loan always included PPI in the loan I was told on the first one I needed it to get the loan and everyone there after I assumed I must have to have it to get the new loan, Nochore tell me I can make the claim based on this but the loans that are after 14-01-2005 I may as well do myself as it's a case of completing the questionnaire and sending it to them, fair play this saves 25% of the claim going to them, wish they told me this last week I could of got things moving

Rang WFS/FSCS on 0845 373 0386 spoke to a women who said the questionnaire will take up to 5 days to turn up.

Will the form just be the one off the FOS site ?

mstopham

Thanks for the responses, I think you are probably right with the accident insurance that does right a bell. Saves me wasting my time and money on chasing a lost cause, thanks again.

woody123456_2

HELLO ALL.
Great news about Barclays, could someone advise me please. I complained in 2008 and did receive a letter back with an offer to part refund ppi. I rejected it as it was worthless.
I have now resubmitted a claim today with a very strong claim of mis-selling as my husband is the first named on the ppi and is self-employed!!
Do you think this u turn they have done is largely due to the fact they have discovered just how many were mis-sold or have they suggested they will only payout for complaints made by april, because they are not prepared to address any further claims? sorry but i am alittle confused. My load was with first plus and the ppi with barclays insurance dublin.

Thanks

di3004

MykMallett wrote: »

I put in a complaint in September last year and got a couple of letters around February (after writing and phoning a number of time) telling me they couldnt progress with the complaint because of the judicial review.

I have since received no word. I emailed the Lloyds CEO yesterday asking him to expedite it. Is there anything else I should do?

Hi there

If you emailed the CEO yesterday, did you also copy the email to the customer service as well?
[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]

You should hopefully receive a response by the end of today or tomorrow, chase them up again otherwise, fingers crossed.;)