PPI Reclaiming Discussion part 4

di3004

CJJS wrote: »

Thanks Di ,

On another note - the first loan was taken out in March 2004, and the second in December 2005.

The first loan therefore falls 1 year out of 6 years - is it still possible to requests the info as a SAR?

Hi

Yes you can, there should hopefully be some details of this loan enclosed. If you were paying for the first loan as well within the last 6 years then there will be details enclosed for sure. x

CJJS

Thanks once again for you help Di - I shall get that SAR in the post (registered ), then once we have the response, the questionnaire too

weechicken

di3004 wrote: »

Hiya

How long ago did you take this out (year)?

If this wasn't the final decision, I would write back and give them further information, if you don't feel they've taken into account the reasons you gave them, tell them so as well and ask them to reconsider.

Normally in the final decision they will suggest the FOS with the details/leaflet if eligible, but if this was sold to you before they became regulated by the FSA, the FOS will not be able to investigate, but they will possibly suggest another avenue as they have done with many of us in this position through the underwriter/insurer.

Hope this helps, good luck.

Hiya thanks for reply

I took the card out instore in 2003.

The letter said they appreciate this may not be the outcome I was expecting but trust that they have addressed all the concerns I raised if I remain dissatisfied with their response I may refer to the Finance & Leasing Association.

deanofrancisco

hi
any help gratefully received , waiting for figures etc from a upheld claim on two loan ppi premiums . Just remembered i also had repayment protection on a mortgage ( no longer have it ) that i was paying for about 5 years , but chances are never would have been able to claim as i have a pre existing medical complaint . Can i claim for this the same as a loan , and do you use the same template .
thanks
dean

di3004

deanofrancisco wrote: »

hi
any help gratefully received , waiting for figures etc from a upheld claim on two loan ppi premiums . Just remembered i also had repayment protection on a mortgage ( no longer have it ) that i was paying for about 5 years , but chances are never would have been able to claim as i have a pre existing medical complaint . Can i claim for this the same as a loan , and do you use the same template .
thanks
dean

Hi Dean

I would ask about this one to dunstonh, if you post this on a separate thread below, he will not miss this, but he knows how it works on mortgage ppi reclaiming, as far as I know its reclaimable.

Good luck.;)

di3004

weechicken wrote: »

Hiya thanks for reply

I took the card out instore in 2003.

The letter said they appreciate this may not be the outcome I was expecting but trust that they have addressed all the concerns I raised if I remain dissatisfied with their response I may refer to the Finance & Leasing Association.

Hi

So they were not regulated by the FSA then but the FLA.

I would then try to FLA, even though they are not normally that helpful, but maybe still worth trying, if this fails then contact the FOS anyway, explain, and at least you can also mention you have already tried the FLA, the FOS may suggest the underwriter/insurer avenue from here.

Good luck.:)

fight_the_power_2

Having just been going through more of my chaotic filing system and have discovered that i have been paying an insurance premium of 79p per hundred pounds balance on my hsbc credit card since 2007 would this be ppi ?? as i have no idea??? i know it sounds daft that i have never noticed this but i have very rarely ever opened up my statments as i tend to bury my head in the sand with bills :cool:would be grateful of some advice thanks

IANC

fight_the_power wrote: »

Having just been going through more of my chaotic filing system and have discovered that i have been paying an insurance premium of 79p per hundred pounds balance on my hsbc credit card since 2007 would this be ppi ?? as i have no idea??? i know it sounds daft that i have never noticed this but i have very rarely ever opened up my statments as i tend to bury my head in the sand with bills :cool:would be grateful of some advice thanks

It will be PPI, yes

jo-urney

so another week has flown by with nothing in the post from the fscs/deloitte for me - after being told on 25th july, and then again on 1st august that it was 'in the post' lol.
i was blagged off again today with 'you will receive the application within the next 1 - 2 weeks as we have pretty much completed going through the backlog of enquiries now'.

now i'm pretty sure thats what they told me 4 weeks ago....... sigh.

fight_the_power_2

IANC wrote: »

It will be PPI, yes

Thanks IANC have already had claims upheld from cap one and mbna as i have my bank account with hsbc would it be better to write or ring them up?? thanks