PPI Reclaiming Discussion part 4

beamerguy

nashnash wrote: »

Is there anyone who can advise me???

we all can nash, what is it

cagey26

Hmmmm...
In work today I got a call on my mobile. It's normally off, but I had it on as my car was in for a service and they were going to call. The call was from someone in my local branch of Barclays... "nothing to worry about" she said, "just a courtesy call. Is it convenient to talk?".

Ironically I was just about to have a meeting with some bankers (different bank) who had come to hawk their wares to the organisation I work for. I told the caller I was not able to talk as I was in work. So she gave me her contact details and asked me to call her when I have some time. I've been working a minimum of 12hr days, plus weekends, due to a big thing in work and there's no end in sight; so when I'll have 'some time' between 9 and 5 on a weekday is a rather sore point to me :eek:

I have been a Barclays customer since I was 7 (nearly 30 years) and this is the first time I have ever had "just a courtesy call" from them. In fact the only other time Barclays have called me at all was when there had been "suspicious activity" on my debit card (which actually turned out to be me buying Christmas presents:)).

Why this 'sudden' courtesy, I wonder? And for it to happen within a month of me filing a miss-selling complaint too - just a startling coincidence, I'm sure

Now I don't know whether to try and squeeze in a call or to leave it until I have an outcome in case they are trying to interfere. Anyone else had this?

Cheers
KG

marpid

beamerguy wrote: »

OK, Was this done face to face with a manager. Did they explain how the PPI worked and the terms and conditions, Did they explain what you were NOT covered on, Do you have the PPI policy.
Were you told it was optional, who actually ticked the box, you or the staff member

No it was not done face to face with a manager, it was done over the phone and then a few days later i received paperwork through the post. I can't really remember what they said I know they said about it covering some illness and unemployment but I was young and naive so didn't really understand. I can't remember them explaining what i was NOT covered on. Yes i have the original PPI policy and a copy they sent through to me. I ticked the box as they said on the phone that when i receive the paperwork I need to tick the box to take out the PPI

beamerguy

marpid wrote: »

No it was not done face to face with a manager, it was done over the phone and then a few days later i received paperwork through the post. I can't really remember what they said I know they said about it covering some illness and unemployment but I was young and naive so didn't really understand. I can't remember them explaining what i was NOT covered on. Yes i have the original PPI policy and a copy they sent through to me. I ticked the box as they said on the phone that when i receive the paperwork I need to tick the box to take out the PPI

OK AS you have the policy, study it carefully, would it cover your circumstances or can you find restrictions that would not cover you

Did the salesperson go through the policy with you on the phone and confirm it would suit your circumstances.

sarahlasvegas

Hello - I'd love some advice if anyone can help.

I had a cold call from a company advising I had PPI with a loan I had with a mortgage and did i want there help...i declined.

The mortgage in question is for a flat I bought when i was 19 in 2004 and no longer shows on my credit report.

It was with the bank of Scotland, i had a 100% mortgage for a £45k flat, and a 5K loan too and was all settled when i sold the flat, I'd had the flat 1 or 2 years i think.

Im not even sure if i had ppi on the loan or mortgage -I've just looked on Zoopla and the flat sold Sep 2004 for £54,000 - i had to pay about £200 in fees to the soliciter to cover fees - which makes me think perhaps there was ppi as I had to pay soliciters fees that where about £700, estate agents the same....so about 2k seems to have vanished! But could that be redemption fee?!

Any advice appreciated - Im thinking of asking for a SOA with bank of Scotland - as its over 6 years is it likely they will have details?

beamerguy

sarahlasvegas wrote: »

Hello - I'd love some advice if anyone can help.

I had a cold call from a company advising I had PPI with a loan I had with a mortgage and did i want there help...i declined.

The mortgage in question is for a flat I bought when i was 19 in 2004 and no longer shows on my credit report.

It was with the bank of Scotland, i had a 100% mortgage for a £45k flat, and a 5K loan too and was all settled when i sold the flat, I'd had the flat 1 or 2 years i think.

Im not even sure if i had ppi on the loan or mortgage -I've just looked on Zoopla and the flat sold Sep 2004 for £54,000 - i had to pay about £200 in fees to the soliciter to cover fees - which makes me think perhaps there was ppi as I had to pay soliciters fees that where about £700, estate agents the same....so about 2k seems to have vanished! But could that be redemption fee?!

Any advice appreciated - Im thinking of asking for a SOA with bank of Scotland - as its over 6 years is it likely they will have details?

The fees you refer to are standard charges, not to do with a PPI. Did you actually have a PPI ON THE LOAN/MORTGAGE

dilus

It has only just dawned on me that my Sainsbury's loan was underwritten by Bank of Scotland and the PPI that was front loaded was supplied by St Andrews Group and they are ALL part of the Lloyds Banking Group :eek:

I guess I'm in this for the long haul talk about having :easter_ba I suspect I may need help much further down the line :rotfl:

sarahlasvegas

beamerguy wrote: »

The fees you refer to are standard charges, not to do with a PPI. Did you actually have a PPI ON THE LOAN/MORTGAGE

Yeah - i know that in terms of soliciters, estate agent and redemption - I dont unfortunatly have the settlement paperwork.

Apologies if the above isnt clear. I think i said above i have no idea if i did, i was 19 and basically just said id like a mortgage and loan. I *think* there may have been ppi on the loan, which was a seperate monthly payment to the mortage, but was secured on the flat, when i sold it was all just settled from the cash from the sale.

My question is - if there was ppi, am i too late to claim, and should my 1st steps be getting a SOA from them, if they indeed will even have this info going so far back.

beamerguy

sarahlasvegas wrote: »

Yeah - i know that in terms of soliciters, estate agent and redemption - I dont unfortunatly have the settlement paperwork.

Apologies if the above isnt clear. I think i said above i have no idea if i did, i was 19 and basically just said id like a mortgage and loan. I *think* there may have been ppi on the loan, which was a seperate monthly payment to the mortage, but was secured on the flat, when i sold it was all just settled from the cash from the sale.

My question is - if there was ppi, am i too late to claim, and should my 1st steps be getting a SOA from them, if they indeed will even have this info going so far back.

ok, you must first establish if you had a PPI and then was it suitable for your circumstances. You can SAR them for all the info and that will cost you £10

beamerguy

dilus wrote: »

It has only just dawned on me that my Sainsbury's loan was underwritten by Bank of Scotland and the PPI that was front loaded was supplied by St Andrews Group and they are ALL part of the Lloyds Banking Group :eek:

I guess I'm in this for the long haul talk about having :easter_ba I suspect I may need help much further down the line :rotfl:

Dilus, you and me both but between us, the witch hunt has started on this can of worms operated by Lloyds TSB