PPI Reclaiming Discussion part 4

Kezia47

I had a mortgage 2002 and I know I had a ppi with it but have destroyed all documents is there any way I can find out who the mortgage was with etc , I cannot remember - a lot has happened since then !!!

irnbru74

cappo wrote: »

Excellent post irnbru can i "steal" certain parts of this for my next round with LTSB? luckily even though i could have made up a better sar myself the one thing they did give me lol was my agreement numbers (at last) so now tommorow i can put an official fos questionaire in to them and if there still saying they can't find proof that i had ppi they will have to prove it, i'd like to use certain parts of your post especially ICOB regs (if ok with you?), well done. steve:T

Hi,

Sorry have been working, feel free to use anything you like!

cappo

Kezia47 wrote: »

I had a mortgage 2002 and I know I had a ppi with it but have destroyed all documents is there any way I can find out who the mortgage was with etc , I cannot remember - a lot has happened since then !!!

Hi kezia probably the only way you would do it now is to go for a credit check like say experian they might show something although it is getting a bit old for that now but is worth a try.:) welcome to the forum

cclissold

Hi Guys - Phoned Halifax this morning to see if they had finally received my original acceptance letter posted recorded delivery on 3 sept. After being on hold for approx 22 mins they said they have 2 acceptance forms so obviously it has finally arrived. however they said that they were both uploaded onto computer on 16 sept. when i pointed out that i had faxed a copy on 9 september they couldnt explain. i asked them where the hell it had been for a week and was told probably just sitting in a pile in the postroom waiting to be added to the computer. they cant give any timescales for calculations as they are very busy and have recruited more staff blah blah blah. i asked to be put through to calculations dept but was told no, no, no. Has anyone sent an acceptance letter back to halifax and heard back from them yet (ie how long do you have to wait). it is so frustrating having to wait for something that rightfully belongs to me and my family.

On a good note - Have just eaten a very large double choc cookie (someone's birthday at work). will have to walk part way home tonight to burn it off.

C.x

never_too_old

Afternoon

hope this is in the correct place .Im hoping that someone would know as a guesstimate roughly how much ppi you get back.If 2 loans have be running for a total of 8 years (1 loan then when nearly finished another loan,cant remember exactly how much dh borrowed but think it was around £5000 each time so total of £10000( paying £220 month) how much could you roughly expect to get back in ppi.
( spoke to mbna this morning and they couldnt talk to me because dh authority couldnt be found) they did say though that all claims are going in favour of the customer.

Just wondered if anyone would know roughly what kind of figures we would be looking at.
thanks in advance

beverleykim

Hello

Just received information back from Santander for an old loan taken back in 2001. Sent a SAR letter and received full information that I am finding really difficult to understand.

On the very full sheets of data received it says Mthly insprem: 0.00 which I would assume no insurance was included. But then further down it states Int On Cap: 115.92DR followed by Int On Ins: 8.60 DR, which seems to indicate insurance??

Can someone give me some advice please.

Thanks

sunny8_2

di3004 wrote: »

Hiya

For Endeavour/HFC you use the HSBC CEO email address, here below.
[EMAIL="chiefexecutivehsbcbank@hsbc.com"]chiefexecutivehsbcbank@hsbc.com[/EMAIL]

Sorry for my late reply, dropped off to sleep with just over 3 hours sleep last night unfortunately lol.:D

Good luck honey x:)

Oh thanks di hope you slept a bit better last night knowing you have won the great fight!!:T:T:Txx

sunny8_2

Congratulations and good luck to all:T:T:money::money::T:Txx

Nettybuyer

Good Afternoon,
In 2000 I took out a loan from a car dealership which was supplied by GE Capital Woodchester ( Now Santander), I made all my loan repayments and completed the loan in 2004. After looking over the paper work it turns on that part of my monthly payment was going to PPI which I wasn’t even aware of. So I filled in a complaint form and sent it to Santander. Who Responded with the following

“ that as the sale of the policy was conducted by the motor dealer from whom you brought your vehicle, it was their responsibility to ensure that the sale was handled correctly”
Hard cheese not our fault I think there trying to say . . . . . . ! ! ! ! !

So my next stop would be the car dealership ? But this dealership has subsequently closed an no longer operates.

So much question is where do I go from here ? Are Santander Right by saying it’s not there problem ? do I push them to the financial Ombudsman ?

Any help would be greatly appreciated

smitchy73

l.m.hart wrote: »

Afternoon

hope this is in the correct place .Im hoping that someone would know as a guesstimate roughly how much ppi you get back.If 2 loans have be running for a total of 8 years (1 loan then when nearly finished another loan,cant remember exactly how much dh borrowed but think it was around £5000 each time so total of £10000( paying £220 month) how much could you roughly expect to get back in ppi.
( spoke to mbna this morning and they couldnt talk to me because dh authority couldnt be found) they did say though that all claims are going in favour of the customer.

Just wondered if anyone would know roughly what kind of figures we would be looking at.
thanks in advance

If you still have some of the paperwork, we'd need a breakdown of the figures to be able to have an idea of what you could be due back but for starters, you should be due back all the ppi payments you have made, you might find that from your monthly payment of around £220, £180 might be for the loan and it's interest and £40 for the ppi and it's interest, therefore you'd be due back say £40 x 44months(whatever you paid for), plus you'd be due 8% simple interest on each of those £40 from when you paid them. Also when your first loan was refinanced you would probably have received a ppi rebate, but the rest of it would probably have been carried forward on to loan 2, so you'd be due to get that back too, as if that hadn't been there you wouldn't have needed to borrow as much in loan 2.

Hope this helps:D