PPI Reclaiming Discussion part 4

oggie1

Hi All two things has this and the PPI for loans and CC both merged.Can only find one thread, also do I have to send the form back that you download from LLOYDS website or can I write a letter or is there a template letter as I donnt have all the information they ask for,Have managed to find a old statement for a CC but cannot rember all the details they ask for.Hope you can understand this Thanks

anaylorefc

lisajaynec wrote: »

Please don't always believe them, i was told no ppi, then did a SAR after advice on here and guess what ppi was added, so claim sent in and im doing the waiting game now
Good look
Lisa

What would you suggest? No mention of PPI on my agreement (there's no box to tick or untick) and they've said I don't have it. Should I SAR them or are there other options first?

Thanks

cclissold

di3004 wrote: »

Well done Doreen :T Congratulations!:beer:

Very well done. Congratulations. Hope I dont have to wait as long for my money!!

C.x

sparky0107

Evening
Can anyone please tell me is there still a 6 year time limit on PPI claims?

Thanks in advance

di3004

oggie1 wrote: »

Hi All two things has this and the PPI for loans and CC both merged.Can only find one thread, also do I have to send the form back that you download from LLOYDS website or can I write a letter or is there a template letter as I donnt have all the information they ask for,Have managed to find a old statement for a CC but cannot rember all the details they ask for.Hope you can understand this Thanks

Hello there

They may change it now and again, but the reclaiming of the ppi is exactly the same, and instead of a template letter you use the same reclaim questionnaire for both credit card and loan ppi reclaiming.
The lloyds website as you will see is the same reclaim questionnaire as on this site.

I don't think Lloyds mind how you complain, you can do this by completing the questionnaire or by letter, you can even so so by phone, but personally in writing is best, so you can keep copies in case you want to complain to the FOS.

Hope this helps good luck.;)

di3004

anaylorefc wrote: »

What would you suggest? No mention of PPI on my agreement (there's no box to tick or untick) and they've said I don't have it. Should I SAR them or are there other options first?

Thanks

Hi

It seems that some have had problems in being told no PPI, yet they have been paying for it, you can optionally request for a SAR where they have 40 calendar days to comply and send all copies of data they hold on the account going back at least the last 6 years, some will hold data for even earlier years, with this request you enclose the one off £10 cheque or postal order.
There is a full SAR template letter below if you decide to want to do this, good luck.
https://forums.moneysavingexpert.com/discussion/1475553

di3004

sparky0107 wrote: »

Evening
Can anyone please tell me is there still a 6 year time limit on PPI claims?

Thanks in advance

Hiya

Do not worry about the 6 year timescale limit, many have been successful in making reclaims from the 90's, but you must just make them aware that you only recently became aware of the PPI mis selling.
Good luck.;)

virtuous

Hi Di3004,

Finally got a letter from Halifax but to be honest I do not understand their calculation. I took a loan of £6,000 in 2000. In my agreement

6,000 - Loan
2,230.20 charge
=Total: 8,230.20
1,278.28 - Insurance
424.00 - insurance charge
Total insurance= 1,753.20
Total to pay= 9,983
APR - 14%

Second loan taken in June 2003

Loan - £6,400
Credit charge- £1,983.80
Total £8,983.80

---

Insurance £1,477.82
insurance charge £ 424.78

Total Insurance £1,902.60

APR 10.9%

This what the Halifax has come up with that is why I need help:-

First Loan they offered the following figures

Refunding of premium £983.21
Refund of interest at 14% £365.47
Interest at 8% calculated at 30/08/2011 £992.99
Optional excess balance & Interest £ 93.67
Total £2,435.30


Second Loan they offered the following:-

Refund Premiums £ 516.53
Refund of interest at 10.9% £ 171.50
Interest at 8% as at 30/08/2011 £ 406.30
Total £1,094.33

Total Loan 1 and 2 =3,529.67

Can you please advise whether these figures are correct.

Something else they have come up with. I was discharged from bankruptcy in March 10, 2006 and according to the Official Receiver, after 3 years after discharge, even my credit reference should not have any trace of bankruptcy on me, so it was a shock when Halifax wrote to me saying that they notice that I was made bankrupt in 2005 and they have contacted the receivers and they will send money to them, this has made me sick because Halifax were the reason I lost my house and got myself into this mess. They sold the house and they repaid themselves and the others the money after the house was auctioned.

I really need this money and I need direction on what to do next. I have not contacted them yet because I want some advise before I do so.

di3004

virtuous wrote: »

Hi Di3004,

Finally got a letter from Halifax but to be honest I do not understand their calculation. I took a loan of £6,000 in 2000. In my agreement

6,000 - Loan
2,230.20 charge
=Total: 8,230.20
1,278.28 - Insurance
424.00 - insurance charge
Total insurance= 1,753.20
Total to pay= 9,983
APR - 14%

Second loan taken in June 2003

Loan - £6,400
Credit charge- £1,983.80
Total £8,983.80

---

Insurance £1,477.82
insurance charge £ 424.78

Total Insurance £1,902.60

APR 10.9%

This what the Halifax has come up with that is why I need help:-

First Loan they offered the following figures

Refunding of premium £983.21
Refund of interest at 14% £365.47
Interest at 8% calculated at 30/08/2011 £992.99
Optional excess balance & Interest £ 93.67
Total £2,435.30


Second Loan they offered the following:-

Refund Premiums £ 516.53
Refund of interest at 10.9% £ 171.50
Interest at 8% as at 30/08/2011 £ 406.30
Total £1,094.33

Total Loan 1 and 2 =3,529.67

Can you please advise whether these figures are correct.

Something else they have come up with. I was discharged from bankruptcy in March 10, 2006 and according to the Official Receiver, after 3 years after discharge, even my credit reference should not have any trace of bankruptcy on me, so it was a shock when Halifax wrote to me saying that they notice that I was made bankrupt in 2005 and they have contacted the receivers and they will send money to them, this has made me sick because Halifax were the reason I lost my house and got myself into this mess. They sold the house and they repaid themselves and the others the money after the house was auctioned.

I really need this money and I need direction on what to do next. I have not contacted them yet because I want some advise before I do so.

Hiya honey

That is so damn annoying about the bankruptcy matter! I am so sorry to hear that.
I am not sure what can be done about that to be honest, but have you a good local MP that maybe able to back you on this one, write a letter on your behalf perhaps.
With you already being deprived of your money in the first place by that bank (and losing your home) I would be kicking up a stink about this in my opinion, because if it wasn't for them, then of course the bankruptcy could have been avoided. I do think it maybe worth getting your local MP involved and to write to them for you. It seems they are punishing you again doesn't it?:mad:

Meanwhile, hopefully Niggly, Tifosi or one of the others that are also good at working out the calculations will be along shortly to work them out for you xx;)

oggie1

di3004 wrote: »

Hello there

They may change it now and again, but the reclaiming of the ppi is exactly the same, and instead of a template letter you use the same reclaim questionnaire for both credit card and loan ppi reclaiming.
The lloyds website as you will see is the same reclaim questionnaire as on this site.

I don't think Lloyds mind how you complain, you can do this by completing the questionnaire or by letter, you can even so so by phone, but personally in writing is best, so you can keep copies in case you want to complain to the FOS.

Hope this helps good luck.;)

Thanks for you help