PPI Reclaiming Discussion part 4

virtuous

Hi Di3004,

Many thanks for quick response. Their letter is very misleading, on one hand they are asking me to contact them if I agree with their final offer and in the middle of the letter, they put this about contacting official receiver.

Di3004, do you know anyone here who is an expert in these sort of matters? I need advise before I call them on Monday morning- thanks

di3004

virtuous wrote: »

Hi Di3004,

Many thanks for quick response. Their letter is very misleading, on one hand they are asking me to contact them if I agree with their final offer and in the middle of the letter, they put this about contacting official receiver.

Di3004, do you know anyone here who is an expert in these sort of matters? I need advise before I call them on Monday morning- thanks

Your welcome.
Look out in your PM box in the next few mins, may know someone that will give some advice on this for you x;)

di3004

oggie1 wrote: »

Thanks for you help

Your very welcome, fingers crossed for you x;)

Niggly_2

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.[/QUOTE]

On the letter that first came there is a telephone number to contact them re arrears collections etc 0845 601 4034. Give them a call and explain the date bankrupt. have you got a certificate of being discharged if so fax it to them this should do the trick.

Even if they do send to reciever whats he going to do with it your discharged.

Speak to a team leader supervisor when you call. The credit agencies will also need to be contacted and told to either take the ref off or make a note on your file
n:beer:

virtuous

Dear Niggly,

Many thanks for your quick response. Yes I have a certificate dated March 10th 2006, there is also a note in my credit reference file (Experian). I was also told that after 3 years from the issue of this certificate, there will no mention of bankruptcy, is this right because it is now more than 3 years since the discharge.

Niggly, you have just made my week a little better.

di3004

virtuous wrote: »

Dear Niggly,

Many thanks for your quick response. Yes I have a certificate dated March 10th 2006, there is also a note in my credit reference file (Experian). I was also told that after 3 years from the issue of this certificate, there will no mention of bankruptcy, is this right because it is now more than 3 years since the discharge.

Niggly, you have just made my week a little better.

Thank goodness for Niggly :T:T:T

mking

Hello All,

I'm hoping for some guidance from the MSE community, but I recognise the following will be a bit messy. I've searched existing posts and elsewhere before and done the first few steps, but anyway, here goes....

My Dad was a sole trader with a small business employing 5 people. Sadly he died in 2000 at an early age of 58 from prostate cancer and the last few years were tough. In the last stages of the business there was a £20k overdraft that had built up over several years. This overdraft would go up and down but towards the end it stuck at this level as he was fighting the cancer and left incapacitated after various procedures.

At the time we tried to make a claim on a policy he had but we got bounced on a "prior medical condition". We pushed back, but they held firm. At the time we had too much on our plate and just thought "well he was diagnosed in 1992 even though the diagnosis was curative then....."etc So we left it. Belatedly I've caught on to the PPI fiasco and so I've been trying to pursue this for my Mum.

My Dad's business account was with Lloyds TSB and he'd been with them for 20 years+. This protection insurance was with Norwich Union/London & Edinburgh was for the overdraft.

This is where I run into problems on information and hope for help and guidance. We've submitted the template requests to Lloyds TSB and L&E (now Aviva) to request the T&Cs. They've basically said they don't have any records as it's too long ago.
We've followed that with a SAR. Same response - no info, too long ago.We have account numbers and with L&E we have the letters of correspondence when they bounced our original claim as they said the doctor said he knew about his condition earlier. These letters from L&E have the account number and we have sent them a copy, but still they say they have no information as it was too long ago.

My Mum did a clear out (cathartic) a couple of years ago as well unfortunately, so we have limited info. I can't find the T&Cs. I believe the monthly payment for the insurance was £27 per month, but I'm still trying to find when this stopped and started.

So I would welcome:
1. any views if I'm wasting my time?
2. Any copies of L&E terms and conditions from the year ~2000
3. Any view if I'm trying to claim back the monthly payments or potentially a payment of £20k that would have paid off the overdraft rather than us clearing it from the sale of shop premises and the rest of his estate.

At the end of the day I want to pursue this if it's at all possible, simply because it never did feel fair when they bounced our claim when he was ill. What's the point of the policy if we can't claim on it we thought? Of course if his prior medical condition was a problem then why sell the policy i.e. mis-selling as it's known as now.

Thanks for any help

Michael

cappo

anaylorefc wrote: »

Advice required please people. Further to an earlier post I actually mananged to find my original EGG paperwork for my credit card. As suspected there are several page they never sent me. These pages contain the following insurances:

Personal Travel Accident Insurance
In Transit Purchase Protection

Now excuse me for sounding dumb here, are these forms of PPI?

Thanks in advance

Doesn't sound like ppi.

cappo

sunny8 wrote: »

Good morning people...best of luck to winners today:):) ... Fab weather for ducks!!! :cool:Have a great weekend wherever you are....:):) xx

You are sunny arn't you? have a great weekend yourself sunny.

cappo

pepsimax wrote: »

Hi, Has anyone received a payment from lloyds yet? My cheque payment was supposed to be with me by the 18th August, So as of now...they are into there third week of being behind with this....should i just sit back and wait or keep phoning them and asking where it is (not they they even know because they say the payments team wont tell them)

Di and myself have had some payments to date for misold ppi.