PPI Reclaiming Discussion part 4

cappo

Maggie35 wrote: »

I find it strange no one has had anything from Barclays yet.

I have put in for my PPI refund at Barclays end of June.

I also cancelled my PPI and have just got a letter - from what I can see I am going to have an extra 885.00 added to my loan! The monthly repayments will be a few pounds less but my loan has been extended.

I have to pay for the privelledge of cancelling something I shouldn't of had in the first place! Just want to check does anyone know if I do cancel this if it will effect my chance of getting a PPI refund?

if you havent put in a cancellation yet for the ppi maggie don't, this will extend the loan and is a bad idea, if it's done it's done but if your just thinking about doing it i would'nt, put in a reclaim,claim if misold then let the bank cancel the ppi which will keep your loan straight.

cappo

sarluckett wrote: »

Hi,

Can anyone help please??

I am trying to reclaim PPI back on a Capital One credit card i took out in 2004, i have sent the initial letter asking for my T&C's and they have written back to say they arent obliged to send me them as i have just cancelled my account. Do i need the T&C's to make a claim and if i do what should i say in my next letter to them to ensure i get them?

Many thanks

you don't need your t&c's just your account number

cappo

Dizzywithmoney wrote: »

Hi

Well I have finally been able to sort this all out - well I think but silly me forgot to ask them what they meant by not telling any third party about it!!!

Well it appears that the £330.56 refund onto my Cap One account wasnt for mis-sold PPI it was for excessive fees, etc (?). Well £274 was for this £55 was for legal costs (?) for claiming them back. So the solicitors (that I didnt realise were involved with Consumer Net) want thier £55 back that Cap One have paid off my balance!!! And Consumet Net want their £25% plus vat!!! I didnt even know they were claiming back excessive fees but apparently all claims companies do this as well as claiming back PPI. My details for claiming mis-sold PPI that Cap One have rejected have been sent off to the FOS apparently! God knows what "extra" charges they will expect me to pay if I get all that back!!! I told them anyway that I didnt have this money as my husband is only working 3 weeks out of 4 so I have gained time with this!!!

So basically I now think that Cap One, Consumet Net and Ashworth Law are all crooks!!!

Also, as stated in a post the other day, Direct Line wrote to us regarding our SAR request stating that they needed to speak to us urgently!!!! I rang them today (took time off work today so sort all this out) and all they wanted me to ring them for was to confirm my date of birth and address!!! These were all on the SAR request anyway so I do think all these companies are just trying time wasting tactics!!!!

Does anyone know have Egg been given this extended 16 weeks as other banks have - I am due to hear from them by the 7th July so just wondering!!

Hi dizzy,no egg havent been given an extension.

BusyDee

Hi all

I wrote a letter on behalf of family members to their Finance Company as they were not informed of the Insurance which was added to the loan. They have received a reply which says they (Finance Co) are not responsible and the matter should be taken up with the Company which sold the car and prepared the loan. Is this correct?

Help is always appreciated.

cappo

spliced wrote: »

I have had an outstanding PPI claim with HSBC which was submitted in July 2010!!!

Had a phone call from them today saying they are now looking at my claim and asked me some more questions about why I thought it was missold to me - which I answered.

Is this the norm? Cant believe it has been over a year already for them to finally look into it !!!

Hi spliced hsbc are very slow,i've had 4 claims in with them for 9 months and another 5 cases for another 6 weeks they do take there time.

di3004

BusyDee wrote: »

Hi all

I wrote a letter on behalf of family members to their Finance Company as they were not informed of the Insurance which was added to the loan. They have received a reply which says they (Finance Co) are not responsible and the matter should be taken up with the Company which sold the car and prepared the loan. Is this correct?

Help is always appreciated.

Hello there

Yes that is correct, whoever sold the product are the ones responsible, so I would resend your complaint to those - head office or if they have a complaints dept, also make a note to them as well that you already pursued the lender and you was informed to go these, good luck.;)

Robyn552

Hi Everyone
Been a couple of weeks since I posted my letters, I read the thread daily for updates but it is getting very confusing. Just a quick question, and I'm sorry if this has been answered before, but I have just received my statements as requested from Egg and as I thought I did have, in there words, repayment protector, can someone advise me which template letter I use now to claim PPI back?

Thanks

BusyDee

di3004 wrote: »

Hello there

Yes that is correct, whoever sold the product are the ones responsible, so I would resend your complaint to those - head office or if they have a complaints dept, also make a note to them as well that you already pursued the lender and you was informed to go these, good luck.;)

Many thanks, will send appropriate letter to them.

kind regards

BD

amersall

Dizzywithmoney wrote: »

Yes I will keep you all informed. My next contact from Egg is due on 7.7.11 so I am wondering if it will be a no or an offer or an extended time letter!!!

As for the First Plus account I am quite excited about that one!!! I just wish the money was put into our bank before the end of this month and not by the end of August (I am being awful now arnt I?) as my husband has set holidays and it would have been nice to have had a little holiday away (he has been on short time working so money is very tight at the moment) but he is back at work on 15.8.11 - nevermind there is always next year I suppose!!

I promise I will keep you informed.

Fingers crossed xx hope you hear from FP before end of august !! you never know x.

amersall

Robyn552 wrote: »

Hi Everyone
Been a couple of weeks since I posted my letters, I read the thread daily for updates but it is getting very confusing. Just a quick question, and I'm sorry if this has been answered before, but I have just received my statements as requested from Egg and as I thought I did have, in there words, repayment protector, can someone advise me which template letter I use now to claim PPI back?

Thanks

Hi there, you will find the template letter and reasons for mis sell here.


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