PPI Reclaiming Discussion part 4

lisajaynec

lisajaynec wrote: »

Hi
Only posted my complaints on Saturday and have received a response today, both refusals although both say that they have done an investigation all of 3 days including return postage time

Santander-wallis account say that my original complaint from 17th Nov 2001 to 16th sept 2004 was creation services so i must complain to them. Is this correct?

it goes on to say
When my account was assigned to Santander Cards on 16/09/2004, my existing insurance policy was upgraded to an insurance provided by us. The policy was called account cover and comprises of price, purchase and payment protection. At this time you had an opportunity to change your mind as a policy summery and policy document was mailed to you for review.We offer a 30 day no-quibble money guarantee where the product could be cancelled and any premiums refunded(subject to no claim being made). This allows time to compare the policy of that to other insurance companies.

Since your account was assigned to Santander cards Ltd (formally GE Money) this insurance has been clearly shown on statements when a balance has been outstanding, and a claim could have been made at any point.

in light of comments set out in my letter, i can not find any evidence of miss selling of this insurance by santander cards UK Ltd. i am therefore unable to refund any payments applied to your account.
this is our final response. we have reached the end of our complaint handling procedures. if you are dissatisfied with our reponse you may refer your complaint to financing and leasing association.

It you require any further information, please contact me on 0871 522 5167 calls cost 10p per minute. any correspondence relating to your complaint can be sent to santander cards po box 700 Leeds ls99 2bd.

Firstly I was mis sold I have been a local government officer since 1993 so no need to have this cover, I have had periods of sickness but as I receive 6 months full pay and 6 months half pay I have never made a claim.
I never received the policy that they say they sent me and they upgraded my cover in their own words
I did see ppi on my account and tried to have the premium removed about 3 months ago by phone but was told I had to write in to remove it, which I did last month, but before then never realised what it was or that I could have it removed.
So do I write to financing and leasing association.
and does people think I have a claim?

Is it worth also putting in a claim to Creation cards for the period 17th Nov 2001 to 16th sept 2004?
Please help im new to this and would welcome any advice, also do I include the original template I sent in when writing on financing and leasing association or change it as I have two seperate claims now or keep it as one claim.

Thanks in advance
Lisa

Can anyone give me any advice please re the above letter
Thanks
Lisa

stoneman

amersall wrote: »

Hi there, Dunstonh or Magpie cottage are better placed to help you with this,hopefully they will come on and guide you.
Mortgage ppi is different to loan ppi,and some mortgage ppi is not mis sold.

Thank you for your reply, I have added an edit to my origional post.

lauzflow

hi marcus, sent mine on the 25th april just gonna sit back and wait and hope i get it back x

Tel2981

Hi all,
I took out a loan nearly six years ago with egg finance, at the time I remember being lead to believe that I would not be accepted if i didn't take out PPI. At this time in my life I wasnt the most carefull with my finances and later missed payments and defaulted on the loan. I was then contacted just over a year ago my a debt recovery agency, to whom i payed the remaining amout of the loan. Do i have any case with regard to claiming PPI back?

Thank you

amersall

Firstly I was mis sold I have been a local government officer since 1993 so no need to have this cover, I have had periods of sickness but as I receive 6 months full pay and 6 months half pay I have never made a claim.
I never received the policy that they say they sent me and they upgraded my cover in their own words
I did see ppi on my account and tried to have the premium removed about 3 months ago by phone but was told I had to write in to remove it, which I did last month, but before then never realised what it was or that I could have it removed.
So do I write to financing and leasing association.
and does people think I have a claim?

Yes you do with the reasons you have given,send this to FLA.

Is it worth also putting in a claim to Creation cards for the period 17th Nov 2001 to 16th sept 2004?
Please help im new to this and would welcome any advice, also do I include the original template I sent in when writing on financing and leasing association or change it as I have two seperate claims now or keep it as one claim.

You need to do this as 2 seperate claims,but copy the original template twice,i take this they are 2 different cards?.
It will be easier,dont forget to send recordrd delivery.


sorry that nobody helped with this post,the threads are moving far too fast for us to keep up with!!!!!
if you dont get a post answered again,just qoute it yourself and it will be moved up to the front!.

cappo

evesamcam wrote: »

Received letter today saying (in plain English !!!) that we will receive all the compensation due back to us and also that our loan will be reduced by appx £100 per month.

Just looked at my online bank account and the money is already in there !!!
£6,544.46 !!!! ... woo hoo !!! :j

Once again thanks for all your advice :kisses:

Great well done:j:beer:;):T:):money:

cappo

Tel2981 wrote: »

Hi all,
I took out a loan nearly six years ago with egg finance, at the time I remember being lead to believe that I would not be accepted if i didn't take out PPI. At this time in my life I wasnt the most carefull with my finances and later missed payments and defaulted on the loan. I was then contacted just over a year ago my a debt recovery agency, to whom i payed the remaining amout of the loan. Do i have any case with regard to claiming PPI back?

Thank you

sounds like you've got a good cause to complain there

cappo

lisajaynec wrote: »

Can anyone give me any advice please re the above letter
Thanks
Lisa

Hi lisa,if you were employed by the government you have a fairly watertight case

Niggly_2

stoneman wrote: »

Hi everyone,
Sorry for not reading through the entire thread to see if my question has already been asked/answered but I took out a £110,000 mortgage with Sainsburys about 10 years ago. Because of personal circumstances I needed a 100 percent l interest only loan. I was told that I could have the mortgage but I would have to pay £3,500 to be added to the loan as an insurance in case I defaulted (they said that this only applied to 100 percent loans). I did all of this over the phone and through letters. Would this count as a PPI or is it something entirely different.
Edit:
I have just spoken to Sainsburys and they say it was not an insurance but a "loan to value access fee". When I asked him what that was he said "it is to cover us in case you default because of the risk of giving you a 100 percent mortgage"
Sounds like an insurance policy to me.

Sorry its not ppi it is an insurance where they can recover the excess loan over a certain ltv if you default and reposessed. These were common place when taking out mortgages with a high loan to value mortgage

N

amersall

goody23 wrote: »

HI,
hey guys i wonder if you can help me i absolutely love this site for the invaluable advise i get.
I want to claim back ppi ...Details are i took out a woolwich loan(now barclays) in 2003 for £13000 for 60 months which i found out later included PPI .i decided to settle a year early and the settlement i paid included the PPI :mad:.you need to send this to http://www.barclays.co.uk/ContactUs/Howtocomplain/P1242558122337
give them a ring,they may do it over the phone.
Tell them it is a woolwich loan.

Also took out an mbna loan for £15000 was sold the damn PPI and the person dealing with my loan gave me the impression i will not get the loan if i didn't take the PPI.. absolute ripoff merchants..i stopped paying PPI 3 years into the loan... what do i do now to claim all my money back?
send this here.The Customer Advocate Office
MBNA Europe Bank Limited
PO BOX 1004
Chester Business Park
Chester
CH4 9WW

In the case of woolwich its been taken over by barclays who do i write to? thank you

look here for reasons for mis sell,also the template letter is in this link if you need it.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2

dont forget to send any letters by recorded delivery.