PPI Reclaiming Discussion part 4

cappo

riach wrote: »

Since I was refused claims on my PPI from the Coop Bank in 2005, it has continued to annoy me ever since. I saw Martins template earlier this year & thought I would complete the claims template as I had nothing to lose.

Sent form off to the Coop, I received an acknowledgement a week later informing me that they were looking into my request & 6 weeks later they said that they were in the wrong & £1250 would be credit to my account.

So I would like to say a Big Big Thank You to Martin & your the team

Regards

Riach

Well done:beer::j:money::T:)

cappo

the_belgiumtrump wrote: »

I have read most of these pages but i have a question to ask - sorry if this has been asked already (very likely!) i dont have time to read 100s of pages lol

Is there a template that i can use to send to my credit card companies to recover my PPI charges? I have 3 credit cards and all 3 have PPI on them, i was told one would cover my card from fraud and i also didnt know one ever had anything on it and one i didnt even ask for it.

Hi belgium well the fraud one sounds as if it's just a standard fraud and keys protection the others sound like they could be ppi,the first thing to do is try to get hold of some paperwork,you need to know if you had ppi in the first instance,if you can't find paperwork ring the bank first and ask if you had ppi,these days some banks will do a claim over the phone which is a lot easier,here is a link with some more info and pdf's of fos reclaim forms to download,also in word,have a look and see if you fit any of the reasons for reclaiming and go from there, good luck.




http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#letmain




http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#ways

eirelav1962

just to say had a letter back from clydesdale bank passed my 8 weeks now they are still looking into my ppi take it they will take 16 weeks

lulufrost1985

My husband was misold PPI by Natwest (RBS). He didn't need or want the insurance but they said he had to have it.

He did however end up claiming on the insurance when he was made redundant. Our arguement is that his family could have supported him with the payments so although he used the insurance he could have coped without it.

We are still waiting for our reply from RBS. They have until the end of this month.

What do you rate our chances???

The_Marksman

lulufrost1985 wrote: »

My husband was misold PPI by Natwest (RBS). He didn't need or want the insurance but they said he had to have it.

He did however end up claiming on the insurance when he was made redundant. Our arguement is that his family could have supported him with the payments so although he used the insurance he could have coped without it.

We are still waiting for our reply from RBS. They have until the end of this month.

What do you rate our chances???

i think if you used it and it payed out, then it did what it said it would do and was of use to you, but if it was on a loan and front loaded then that was a big no no on the banks part.

I really dont know but wish you the best of luck

cappo

lulufrost1985 wrote: »

My husband was misold PPI by Natwest (RBS). He didn't need or want the insurance but they said he had to have it.

He did however end up claiming on the insurance when he was made redundant. Our arguement is that his family could have supported him with the payments so although he used the insurance he could have coped without it.

We are still waiting for our reply from RBS. They have until the end of this month.

What do you rate our chances???

I'm in agreement with the the marksman,you have used the insurance but thats not the end of the world was it a personal loan,credit card etc,can you tell us a bit more about it.

cappo

The_Marksman wrote: »

i think if you used it and it payed out, then it did what it said it would do and was of use to you, but if it was on a loan and front loaded then that was a big no no on the banks part.

I really dont know but wish you the best of luck

Hi marksman looks like we've got the place to ourselves today lol

The_Marksman

cappo wrote: »

Hi marksman looks like we've got the place to ourselves today lol

this could be very very dangerous!! with no-one to keep the boys inline:D:D:D:D:D:D

DaisyDayDreamer

Niggly wrote: »

8% interest is taxable income not the refund of premiums. Make sure they have paid gross of tax not net of tax.

:beer:N

How would I find this out? Do I need to write to ask them? I can't see any mention on the letter.

Thanks!

cappo

The_Marksman wrote: »

this could be very very dangerous!! with no-one to keep the boys inline:D:D:D:D:D:D

very very dangerous ha ha, no lorraine,di and citibird to keep track of us.