PPI Reclaiming Discussion part 4

di3004

buybee wrote: »

I will definately try this, thankyou for your help

Your very welcome, good luck x:D;)

Rae115

(previously posted on wrong thread)


hi all and Lynk

I have today spoken with Barclay card. They have managed to obtain my statement going back to 2002 which confirms i did not have PPI. Earlier today i did fax them through an old letter which i found in the loft about accident death insurance. Reading the letter this was a free 60 day and then monthly premium. ( i only just opened the letter last night) so these premiums where being taken out since 2002.

As i said i didnt have ppi on the policy but from the info i sent her and her going through my statement i was paying for this accident death insurance. She did advise though it was not their ppi team that would deal with this as this was not ppi. i would need to claim this back from Stonebridge.

Fare enough i didnt open the letter until now but is this classed a miss sell???? and can i really claim this back.

She did advise she would send all info for me to put a claim in.

Rae - have u heard anything yet Lynk (i spoke to our friend)

virtuous

Hi Di3004,

Thanks for your quick reply. Yes, you are right I will contact them tomorrow.

Miss_Marple_2

Hello everyone. I wonder if someone could help me. I was getting quite excited about my offer letter from LloydsTSB and have been poring over the wording. In particular, the following is confusing me. After offering a refund of all the PPI premiums paid plus the 8% interest etc, the next paragraph says:

In addition, as your loan repayments have not yet been completed, we will amend your existing loan to reduce the monthly payment. This new monthly repayment sum will reflect what your monthly loan repayment would have been had you not purchased the PPI policy. As part of our offer to you we will also include a refund of premiums in connection with the PPI policies with the loans you opened on. We consider these loans in your offer becuase they refinanced the loan / PPI you complained about.

My situation was that in December 2001 I took out a 17500 loan and in February 2005 I missed 2 payments & went into a DMP and a new loan was taken out to settle the existing loan - new loan had no PPI and was for £8500, although only £7250 of that was to settle the existing loan. There is approximately £3000 left on this loan which is not ( and never has been) in arrears

So - does the above paragraph in the Lloyds offer mean that the refund will go against the new loan ? I must be being a bit thick as I've read the paragraph several times and each time keep coming up with a new interpretation. :embarasse If someone could clear the fog a little, I'd be very grateful.

mumofjanda

oggie1 wrote: »

I was paying the loan to A&L have no paperwork and they have been taken over by Santander and i bank with LLOYDS.So I need Santander to give me the account number thanks for your help

Hi, I was in the same position as you. We had an A & L loan from 2000-2005. i had forgotton all about it until looking on my credit report. I wrote to Santander for the loan account number and didn't even get a reply. I rang the bank that I used at the time (First Direct) and a lovely man checked back for me and found the A & L loan account number (took 5 mins). Back to Santander to ask whether PPI had been added to the loan as I didn't know at this stage. Got no where until I rang the PPI complaints dept and spoke to a lovely lady who said she would check if there was PPI and note my complaint if there was.........2 days later letter in post upholding the complaint .......2 weeks later refund in bank account!!

So, as Di has advised go to the bank that the loan payments went from (LLoyds?) and ask them to check back to the period of loan repayments and hopefully the loan account number will be there as the reference number against the direct debit. Once you have this just ring Santander PPI complaints and they will take your complaint over the phone.....they were lovely and no tricky questions asked!

Hope this helps! Good Luck!!

mumofjanda

Hi Di,

Sorry to hear your sad news, my sympathies to you and your friend.x

mumofjanda

nikkilala wrote: »

I just wanted to add a little bit that might help people who are just starting to claim PPI as I have been helped so much and want to give something back:T. This has probably been mentioned loads before but I am just starting to claim for a few loans with Lloyds from the 1990's. I had no info on them other than the bank account number that I made the monthly payments from, which was closed in 2000. No amounts that the loans were for, no start date, nothing:( These loans went back to 1988 til 1999. Anyway I decided to nip into town and see if my Lloyds held any info at all. I asked the young cashier if it was possible to see if they had any info and he tried tapping loads of numbers into his computer and couldnt come up with anything. Then a lady, possibly the manager came over who I recognised from 20 years back!! She said thought I recognised your voice what's the problem? I explained it to her and she said just wait a minute and disappeared, then came back with 3 numbers which were all my old loan account numbers. :T
So it may well be worth a trip into a branch, if you have no info, you have nothing to lose. I've just phoned the LLoyds PPI line given my loan numbers and claims have been started. Usually I have all the info so fill in the forms, but this was a bit easier with just the loan numbers.

Hi!

Thanks for this info. I'm struggling to put in a complaint to M &S as I have nothing except the loan account numbers (these go back to the 1990s)...no details of loan amounts,dates etc. Did you just put in a complaint covering all the loans and did you have to go into much detail on the phone. The easiest one I've had so far has been a 5 minute conversation with the PPI dept. of Santander stating it was mis-sold because single premium sold without any advice and we already had adequate cover (upheld 2 days later!). Do you think that this is enough to put in the letter?

Thanks for your help & good luck!!

gboom2000

Morning, I posted this yesterday and it was quickly lost amidst a myriad of other posts, Can anyone help?

gboom2000 wrote: »

Okay, this is what I wrote a couple of weeks ago:

"I complained to HSBC about my mis-sold PP! back in May, got the usual letters about investigating my complaint, and then the "it'll take 16 weeks" letter. I rang HSBC about my complaint, just to check it's progress 3 weeks ago, and they told me my complaint had been upheld and they had passed it on to calculations, and I should hear from them in the next couple of weeks. When I hadn't received anything I rang them yesterday and was told a lot of claims had to be recalculated, due to them mis -calculating, and I would have to wait to the end of August/beginning of September, coincidently that's exactly 16 weeks from the beginning of my claim. Is this usual for the bank to play slow-ball or have they genuinely had to re-calculate lots of claims?"

Just got off the phone to them, as tomorrow is the last day of my 16 weeks, they've told me they're behind and are "hoping" to get a response to me next week. Can they just keep pushing back the date? 16 weeks is set by the FOS right? Is there anything I can do?

amersall

ned_nederlander wrote: »

Just a quickie, and I think I already know the answer but just want clarification ...


I dug out my FP paperwork with a view to writing and sending the letter tomorrow -

I have an account number for the current loan which is 7 numbers long + 3 preceeding zeros

I don't have an actual account number for the first loan but I do have a reference number which appears to be made up of the account number as it includes a number similar to the one above albiet this one is 6 numbers long with 4 preceeding zeros!

am I right in thinking that is the account number ?

Sorry for not getting back to you sooner :(
You probably know by now that the account numbers begin with zeros :rotfl:

oggie1

mumofjanda wrote: »

Hi, I was in the same position as you. We had an A & L loan from 2000-2005. i had forgotton all about it until looking on my credit report. I wrote to Santander for the loan account number and didn't even get a reply. I rang the bank that I used at the time (First Direct) and a lovely man checked back for me and found the A & L loan account number (took 5 mins). Back to Santander to ask whether PPI had been added to the loan as I didn't know at this stage. Got no where until I rang the PPI complaints dept and spoke to a lovely lady who said she would check if there was PPI and note my complaint if there was.........2 days later letter in post upholding the complaint .......2 weeks later refund in bank account!!

So, as Di has advised go to the bank that the loan payments went from (LLoyds?) and ask them to check back to the period of loan repayments and hopefully the loan account number will be there as the reference number against the direct debit. Once you have this just ring Santander PPI complaints and they will take your complaint over the phone.....they were lovely and no tricky questions asked!

Hope this helps! Good Luck!!

Thanks for this