PPI Reclaiming Discussion part 4

di3004

joewens wrote: »

I was declared bankrupt in June 2008 and discharged in January 2009. One of my creditors was Egg who provided me with a loan for £10,000. When I took out this loan I was told that I would need to pay for payment protection insurance in order to get the loan approved. I was fully employed at this stage of the application. I was not made aware that this was optional and believed it to be part of the normal loan process. I have since found out this was missold to me and would like to know if I am able to claim back for payments to this insurance during the time I was repaying the loan. Before bankruptcy I did not miss any repayments. I am struggling to find all the paperwork and statements but do have the latest annual statement from them outlining the the loan and the PPI which was £4063.70 for the £10,000 loan. Please can you advise if I am able to make a claim for payments made into this PPI. Jo

Hi there

Yes you can still make a reclaim with the reasons you have for being mis sold.
However, I would also post about this on the bankruptcy thread as well to ask how others squared off if they made a reclaim on PPI.
http://forums.moneysavingexpert.com/forumdisplay.php?f=136

But to make a reclaim on the ppi, just complete the reclaim questionnaire as on step 3 below link, keep copies as well, and send one to the main office or the complaints dept of whoever sold you the account.
Allow 8 weeks for a decision, although they may ask for more time due to backlogs, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

di3004

mandy1cat wrote: »

Received a letter this morning and got all excited as my complaints have been in with them since Nov 2010. Opened the envelope only to find the bog standard "thank you for letting us know about your concerns" letter with a leaflet explaining the investigation process. I really don't understand what is going on! Any ideas? Anybody?

Also I originally complained with regard to two loans but I now have three PPI complaint reference numbers??? Do you think they've found one I'd forgotten about???

Help they are driving me insane :doh::mad::eek:

Hi Mandy

With yours being one of those being held up due to the JR, they should now be getting on with these investigations.
Even though the JR have given more time to banks, they should be dealt with in an orderly dated manner.
Yours is certainly one of those they should be getting on with right now and you should be hearing something soon, good luck.

I would personally contact them in check over the reference numbers if you can as well.;)

cappo

di3004 wrote: »

Hi Mandy

With yours being one of those being held up due to the JR, they should now be getting on with these investigations.
Even though the JR have given more time to banks, they should be dealt with in an orderly dated manner.
Yours is certainly one of those they should be getting on with right now and you should be hearing something soon, good luck.

I would personally contact them in check over the reference numbers if you can as well.;)

Let's just hope for good news for mandy, my bank told me about another 5k loan i had and i confirmed on the phone and checked against all the cases with ref numbers ive got in and low and behold i'd missed one,i would'nt have thought to much for my chances getting the banks to admit to it before the j.r though.

mandy1cat

Thanks Di & Cappo

Have emailed the CEO again as when I sent him an email on 23/5 he said would be "fast tracked" :rotfl::rotfl::rotfl: Let's see what he's got to say.

amersall

cappo wrote: »

Ha Ha i know amersall i wish i'd known then what i know now,i could'nt believe myself how easy the claims were to do i was not quite so young 3 years ago but certainly naive and clueless, i found 4 more misolds re hsbc last month they did'nt go into the cmc lol.

I just wish everyone knew how easy it was to do!!:D
Give the claims co a poke in the eye?:D

amersall

sticky_treacle wrote: »

Hey all

I just wanted to thank everyone for their help over the last few weeks regarding my PPI claim. I have only made a few posts on here but the invaluable help you have given me regarding timescales/email addresses etc has resulted in an excellent outcome.

I am please to say that I have just had a response from MBNA who have upheld my complaint after 8 months for nearly £3,500. This was a complete shock as was only expecting around £1,500. They have confirmed I should have this within 28days. Woohoo!!!!!!

Thank you so much to everyone as I would never have had the confidence to do this without all your help!!!!!

That is fab :j:j:j well done :beer:

cappo

amersall wrote: »

I just wish everyone knew how easy it was to do!!:D
Give the claims co a poke in the eye?:D

I would like to give them the boot amersall as i feel they've done nothing, but i signed a contract with them so i either let them play or i pay lol,they've only won me 1 case so far in 3 years though and so far i've won 1 in 3 weeks so yes i wish i'd done the lot now,as they say you live and learn and boy have i learnt a bit since then, thanks to yourselves and LB and of course all about forums, but seriously big thanks to Di though as she's been a diamond and such a fountain of knowledge to us all,cheers Di.:T:):beer:

di3004

cappo wrote: »

I would like to give them the boot amersall as i feel they've done nothing, but i signed a contract with them so i either let them play or i pay lol,they've only won me 1 case so far in 3 years though and so far i've won 1 in 3 weeks so yes i wish i'd done the lot now,as they say you live and learn and boy have i learnt a bit since then, thanks to yourselves and LB and of course all about forums, but seriously big thanks to Di though as she's been a diamond and such a fountain of knowledge to us all,cheers Di.:T:):beer:

Aww thanks honey :A:A:beer:, your very welcome, just glad to have been some help and will continue to do so for as long as I can.;) Xxx

cappo

di3004 wrote: »

Aww thanks honey :A:A:beer:, your very welcome, just glad to have been some help and will continue to do so for as long as I can.;) Xxx

Good on ya Di:money:

di3004

cappo wrote: »

Good on ya Di:money:

Oh and the same to you Cappo, remember you helped me too.:D
Thank you XXX:beer: You've been amazing Cappo, and a great help to all, well done!