PPI Reclaiming Discussion part 4

cappo

macgould wrote: »

Thanks I have just checked companies house, London Scottish Finance Limited are in administration, is there any chance on this?

HI our Di knows more about these people but i believe you can apply to the financial scheme compensation board as i say Di and lorraine know more but it's not a big issue

cappo

samtob wrote: »

Hi, referring to my post this morning, just a quick question; In brief, had Tesco credit card since 1998, with PPI. Tesco agree I was mis-sold PPI and offered a very nice refund. They state that 'I would like to offer you a refund for your ppi from December 2003. This is the earliest available payment date we hold on record for your account. If you can provide any earlier card statements which show ppi, please submit these and I will be happy to review our offer'. As another kind post added, I have the original application which shows PPI was added in 1998, so surely this should count as 'evidence'? And surely it is up tp Tesco to provide this information, they must have it on record when I was paying PPI? If it was taken out at the time of application then this proves somewhat that I have been paying since 1998?, Also, does anyone know that if you do not accept the first offer and ask them to consider to review the offer, is there a risk of losing the first offer altogether? Sounds daft, I know, but I don't want to tempt fate. Good news like this doesn't happen to me often so I'm kind of expecting it to go wrong somewhere!

they should have to prove it sam i agree, your 1998 application form should be enough call them up,inform them again of this and ask them whether they want you to re-send it, don't worry to much about rejecting there first offer i have now done this myself with another bank, i don't expect not to get another offer

tonyaddict1

after waiting 2 months i finally got an offer off rbs. in totall i should be offered about £6.500 but the offer i got was £981!!!!! they say they are offering it as a good will gesture without admission of liability for the miss selling their words!!! now should i just take the money or do i go to ombudsman??? apparently the money is a refund of insurance premiums and interest that iv paid. any help would be gratfully appreciated. thanks

allofushere

I an i the middle of a messy split from my ex partner. We have a joint secured loan with Black Horse. I called them today for a settlement figure for this loan and was told that £4.5 of the settlement was nade up of ppi. Firsly I had no idea we had taken ppi and secondly, my ex was self employed. I tought that ppi was useless to self employed people? I dont have the original paperwork, he does unfortunately but does anyone think we can make a claim? Also, if we do do we both have to sign the claim as its a joint loan? Communication between us is now via solicitors but if we could successfully claim by cooperating it would be worth a quick chat. Any advice welcome.

cappo

tonyaddict1 wrote: »

after waiting 2 months i finally got an offer off rbs. in totall i should be offered about £6.500 but the offer i got was £981!!!!! they say they are offering it as a good will gesture without admission of liability for the miss selling their words!!! now should i just take the money or do i go to ombudsman??? apparently the money is a refund of insurance premiums and interest that iv paid. any help would be gratfully appreciated. thanks

Hi tony i've now had exactly the same with HSBC with there credit card have offered me £900.00 + a bit of paltry interest had the card for 14 years and had about 18k on it., i've sarred the bank to get statements for the card so i can prove that they've vastly underpaid me you could try reasoning with them failing that mention the fsa and finally sar them and fos them.

cappo

allofushere wrote: »

I an i the middle of a messy split from my ex partner. We have a joint secured loan with Black Horse. I called them today for a settlement figure for this loan and was told that £4.5 of the settlement was nade up of ppi. Firsly I had no idea we had taken ppi and secondly, my ex was self employed. I tought that ppi was useless to self employed people? I dont have the original paperwork, he does unfortunately but does anyone think we can make a claim? Also, if we do do we both have to sign the claim as its a joint loan? Communication between us is now via solicitors but if we could successfully claim by cooperating it would be worth a quick chat. Any advice welcome.

For most ppi policies if your ex was self-employed he could'nt have claimed, as it's a joint loan as you say you'd both have to sign,i'd say it would be worth you both co-operating on this.

cappo

tonyaddict1 wrote: »

after waiting 2 months i finally got an offer off rbs. in totall i should be offered about £6.500 but the offer i got was £981!!!!! they say they are offering it as a good will gesture without admission of liability for the miss selling their words!!! now should i just take the money or do i go to ombudsman??? apparently the money is a refund of insurance premiums and interest that iv paid. any help would be gratfully appreciated. thanks

Sorry tony i missed that this was your first post, welcome

XXSCOTSLASSXX

allofushere wrote: »

I an i the middle of a messy split from my ex partner. We have a joint secured loan with Black Horse. I called them today for a settlement figure for this loan and was told that £4.5 of the settlement was nade up of ppi. Firsly I had no idea we had taken ppi and secondly, my ex was self employed. I tought that ppi was useless to self employed people? I dont have the original paperwork, he does unfortunately but does anyone think we can make a claim? Also, if we do do we both have to sign the claim as its a joint loan? Communication between us is now via solicitors but if we could successfully claim by cooperating it would be worth a quick chat. Any advice welcome.

Black Horse were previously very naughty with regards to PPI.. I took out a secured loan with them in 2007 paid off 2010... when they gave the initial quote etc they said £380 ish a month I said great no probs, they emailed the paper work to me to print off and sign.... this showed monthly payments of £580 ish:eek:was only after reading through twice I spotted this, called them back and stated there was a mistake, she stated no mistake thats the PPI payment, at no time prior to this was any talk of PPI etc, I said I dont want that as already have income protection policy was told sorry without it no loan!! I argued that they couldnt do that after much ranting she said she would speak nicely to the underwriters... anyway called me back half hr later said she had gone cap in hand and i owed her a huge favour as i could have it without PPI !! ..... they were very sneaky in my case may well have been with yours too good luck x

eirelav1962

hi all had a loan with ge money in 2003 paid 663 ppi had my claim reject any help would be great

allofushere

Can anyone give me the correct addresses for HSBC & Barclaycard credit card PPI claims?