PPI Reclaiming Discussion part 4

amersall

dannydanny wrote: »

Sainsburys bank make it so difficult to reclaim ppi you have to give up and i know 2 other people that have had to give up on thousands.

Can you elaborete on this please?.
We may be able to help.

amersall

klflosser wrote: »

I cannot put down my thoughts this morning about M & S Money!

Had 2 cases put on hold for JR.
They refused the store card/credit card on Wednesday saying not regulated at the time, non-advised sale etc. I have written to them about that one. They had fresh paperwork when it changed from store card to credit card. Obviously that doesn't count in their opinion.

This morning I received a letter regarding the loan taken out in 1999, placed on hold for JR, and this morning I get a letter saying they have now completed their investigation and they cannot find the relevant application form. As a result they cannot confirm if PPI was added. Do I have any paperwork to substantiate it?

Surely this didn't require putting on hold for JR as I complained in January. I do not think I have any paperwork, other than the last repayment advice.

The loan amount says it was £7802.46, total repayable £12008.54. I paid 60 months at £200.15.
As I paid £4205.98 on top of the loan does this sound a lot just for interest? I am sure I had PPI added.

Any mathematicians out there able to deduce if I may have paid PPI? Any help appreciated.

Hi there, it does seem to me that you paid ppi on this, dont know how to help you with paperwork as it is over 7 years ago, dont know if a SAR would help,the bank may just be saying they have no paperwork or they may have, but if you think it is worth a tenner to maybe get this info,then do that.

amersall

They refused the store card/credit card on Wednesday saying not regulated at the time, non-advised sale etc. I have written to them about that one. They had fresh paperwork when it changed from store card to credit card. Obviously that doesn't count in their opinion.

You could try the insurer route with this one,if the insurer says no,then FOS will look at this as the insurer may have been regulated.

amersall

Gilman wrote: »

Hi All,
I have just recieved a reply from Burton with regards to the Account cover on my account. They have refused this as misselling they say that Payment protection was added on 5th March 1999 when I opened my account ....MMMMmmm strange as they also and sent a copy of the form I completed way back on 6th March 1999 (this a day AFTER I opened the account!!)
the form clearly shows "X" of places the sign with no details of my employment status detals as I rememebr it it was just a case of sign "here here and here"....

Also NEW Look have replied too ...they are not admitting liablity but are will to refund me 50% of what I have paid ..."the offer is stricly confidential....."
Any suggestions on how to take these forward????

With New Look, I would get back in touch with them and ask if they have not mis sold insurance why then have they offered you 50%, tell them you are considering taking this to FOS as you believe the offer is not good enough.

Regards the Burtons card, get back to them and ask why they have sales staff that "sell" cover with cards, when all they do is say,sign here please and do not even try to explain what the cover actually does.

The_Marksman

amersall wrote: »

Yoohoo x.
If you have the account number (i assume you do!!!!) take this to FOS, this will be a long wait..........but.... people on this site have won with loan ppi from the 80s,me included!.
You have nothing to lose.

yoohoo too gorgeous x

!!!!!!!! momment, what do i do next then? and best way to contact FOS ?


thanks x

got brain freeze had my first interview today 3 exams and then a 2hr driving assement! im ruined but have a second interview next week

di3004

The_Marksman wrote: »

yoohoo too gorgeous x

!!!!!!!! momment, what do i do next then? and best way to contact FOS ?


thanks x

got brain freeze had my first interview today 3 exams and then a 2hr driving assement! im ruined but have a second interview next week

Hey you!:D

If there was not a final decision, then get writing to them again, they should enclose details of the FOS with the leaflet on how to complain.

But if you've already had details enclosed of the FOS, then you can either contact them and make the complaint over the phone, or download a complaint form and enclosed your copies of letters/evidence to them.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm


Now does that help?:D:j;)

beverleykim

Re: Bank Statement entry

Hoping one of you intelligent lot will be able to help me on this one - on an old bank statement I have the following entry:

MLOAN LPOOL 990271 D/D
ACCOUNT NO. 127xxxxxxxx etc.

This appears on a statement back from 1996. Does anyone of you recognise which company this loan is with?

Thanks for any help you can give.

ijustloveabargain

di3004 wrote: »

Hi there

And yes you are, there is a reclaim questionnaire to make a reclaim on the ppi, you use the same questionnaire as you do for loan ppi, just add your own details (Business loan PPI), this replaced the reclaim template letter.
Although the template letter on the first stages of Martin's guidelines is that of requesting for a copy of the credit agreement, this is not essential as such if you already have or know the details, of the account.

The reclaim questionnaire is here on step 3, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

first thanks for replying:)

so do i just write to the ombudsman??or still my bank first?
so its still the same questionaire but just put my details even tho its a business loan?
is this right haha:o

di3004

beverleykim wrote: »

Re: Bank Statement entry

Hoping one of you intelligent lot will be able to help me on this one - on an old bank statement I have the following entry:

MLOAN LPOOL 990271 D/D
ACCOUNT NO. 127xxxxxxxx etc.

This appears on a statement back from 1996. Does anyone of you recognise which company this loan is with?

Thanks for any help you can give.

Defo something to do with Liverpool??

Not Liverpool Victoria by any chance?
Am stuck on the MLOAN part, but hopefully someone will recognise it.;)

The_Marksman

di3004 wrote: »

Hey you!:D

If there was not a final decision, then get writing to them again, they should enclose details of the FOS with the leaflet on how to complain.

But if you've already had details enclosed of the FOS, then you can either contact them and make the complaint over the phone, or download a complaint form and enclosed your copies of letters/evidence to them.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm


Now does that help?:D:j;)

As always, a great deal of help :D:D;) thanks gorgeous x

do i need to do a SAR etc to get more info on the account from 1999 as i just have the account number to send to the FOS :D