PPI Reclaiming Discussion part 4

di3004

weechicken wrote: »

Hi

I'm about to start claiming back the extra care insurance from littlewoods as I didn't need and was never given any info regarding it, so i thought i would sar them first which i did they have sent me the info with a reconstituted cca nothing on the cca about extra care. The thing is I tried to place an order with them yesterday and it says 'credit rejected' I called them and they said its because I have not sent back a signed credit agreement, I have been ordering from them since 2006. They said have posted agreement out i have to signed it and return.

Should i send in letter to claim back extra care before signing?

Thanks in advance

Hi there

That's a strange one.
Have you tried ringing them on this as well? because you have been ordering items since 2006 and why have they put a stop on this order?

Personally, although it's up to you, I would ring their head office and ask what is going on first and take it from there, good luck and please let us know, cheers.;)

di3004

77ems wrote: »

Hi all, my husband took out a mortgage with hsbc in 1995, he was told at the time of getting this mortgage that the repayment protection insurance on this mortgage was compulsory and without it, it would not be approved. In 2005 he found himself unemployed and was told that this insurance would not cover him. We ended up getting into arrears with the mortgage and were forced to sell before the property was repossessed. We have been in rented accommodation since. Would we be able to claim back?

Many thanks in advance.

Hiya

As far as I know its reclaimable, but I would ask dunstonh or magpiecottage who knows more on mortgage ppi reclaiming, so post this on a separate thread added below for you and although its still within these ppi reclaiming threads, this will not get missed, good luck.;)
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

di3004

Emma2588 wrote: »

Hi

My dad has just rang me and said a letter has just arrived from Lloyds.

I only got an email from them yesterday to say that my case was currently being assessed. It cant be offer/rejection letter already could it?????

Im at work at the min and wont finish till half 4.

Any thoughts????

Thanks

Hi Emma

If you don't mind you're dad opening you're post then I would ask him to open it for you.
It could be an offer, or just an update, hopefully the first one though, fingers crossed. x;)

The_Marksman

di3004 wrote: »

Hi Emma

If you don't mind you're dad opening you're post then I would ask him to open it for you.
It could be an offer, or just an update, hopefully the first one though, fingers crossed. x;)

fingers crossed it is an offer!

come on!!!! i cant wait till half 4 now to use my smilies pmsl

weechicken

di3004 wrote: »

Hi there

That's a strange one.
Have you tried ringing them on this as well? because you have been ordering items since 2006 and why have they put a stop on this order?

Personally, although it's up to you, I would ring their head office and ask what is going on first and take it from there, good luck and please let us know, cheers.;)

Hi

Yes called them today they said will need to sign cca before I can order again asked why have they not said anything until now guy said don't know just note on system for me to return it.

Think i'll send in letter to claim before i sign anything, will keep you posted.

Thank you

di3004

weechicken wrote: »

Hi

Yes called them today they said will need to sign cca before I can order again asked why have they not said anything until now guy said don't know just note on system for me to return it.

Think i'll send in letter to claim before i sign anything, will keep you posted.

Thank you

Hiya

Yes I would do that then too, something not right here and I would also add in any further information as the same time, about what happened here too, think you have them stumped, so good luck.;)

waddy80

Hi, guys!

First of all hope I'm posting this in the right place but I'm after a bit of advice.

I'm starting my reclaiming journey and have a few q's.

I have a number of CC's / store cards that I had, but the only details I have is those on my credit report. So can I just request my CCA from them for £1 with the letter template? Even though I don't have account numbers?

Also I have got married so have a different name, and also been through 2 addresses. Using the credit report I think I can work out the address last registered for each account, but should I provide all details on the letter to maximise the chances of them finding my account?

Oh and GE capital are santander now, so I go straight to them?

Wish I had kept my statements now!!!!

irnbru74

Hi,
Sorry this might appear like a stupid question regarding sending a PPI complaint recorded delivery, what do you do if address is a PO Box?
Thanks

ebayg1rl

Afternoon all, is anybody familiar with the FSCS procedure and how long they take to payout?

I took out a car loan in 2002 and it appears that PPI was front-loaded. I tried a complaint to Citroen in 2009 and was told to go away and talk to the dealer. When I tried to contact the dealer it appears they have closed down and gone into liquidation several years ago. So following the Judicial Review (and a stiff drink - for courage) I sent another letter to Citroen in May 2011. I have just had a letter back that says that as my PPI was taken out before Jan 2005 then the dealership wouldn't have been covered by the "Insurance Mediation Directive" so I would have to take the matter up with the dealership, but as the dealership is defunct this isn't do-able. The FOS has also advised that it would be unlikely that the dealership would have been a member of the General Insurance Standards Council and regulated by the FSA so they don't consider that the complaint is something that they could look into. The letter then gives the details of the FSCS.

Help please.

cappo

lisajaynec wrote: »

cappo wrote: »

Think I will SAR them just to make sure then

Another question I have enough money to pay off my credit card 4k but worried that if I pay it off it may effect my claim, does it make any difference to the claim please, if the accounts live or paid off
Thanks again for all you wonderful help and support
Lisa

I think your wise lisa spending £10.00 is better than losing potentially thousands,if it's on there and it's a reasonable claim the banks not going to tell you about it. It's all about damage limitation the less money they have to pay out the better for them as for live or paid off,doesn't make any difference.