PPI Reclaiming Discussion part 4

Joannie51

Can you do same for me Beamer;)

eirelav1962

hi joannie51 i sure it was about 2004 i took out my morgan stanley card when did you take your out

amersall

Del_Astra wrote: »

Firstly let me say what an excellent resource this site is / has been to me over the last two weeks. I will try and keep this brief.

I have two (possibly three) decent claims I believe, as had I needed to claim I suspect I wouldn't have got anywhere so I was sold something I could not use and in one case I think it was included as it was a pre-populated option.

Here goes.

Claim1: Currently still have this credit card and use it, 9 time out of 10 the balance is paid in full each month. From the T&C's I don't think I would be able to claim due to being covered elsewhere and already having critical illness cover and a policy that protects should I be made redundant. I suspect this was added via a pre-populated field online, it was taken out in 2004 and I still have it now.

My first questi?n is should I cancel it (the PPI) or try to cancel before claiming. I think by making a claim it will be cancelled? My 2nd question is should I claim myself (I'm siding towards this) our pay a 3rd party to do it for me - this will become clearer with claim 2.

Claim 2: A bit more complex (and possibly creating a 3rd claim), A credit card I took out in the late 90's and closed / cancelled in July 2011. I opened it with Abbey National, so I assume I am now claiming against Santander? Abbey / Santander transferred this credit card to MBNA, don't have the dates to hand, would this then be another claim with MBNA for the time it was with them?

With Claim 2 do I actually have 2 claims here? one for the period it was with Abbey/Santander and 1 for the period it was with MBNA? It does go back a number of years so again would I perhaps be better getting a 3rd party to do it on my behalf?

I am siding with doing it all myself, the doubts I have are about the length of time I am going back and the fact claim 2 was with Abbey then Santander then MBNA. Again I am pretty sure I would have taken it out in branch however I would not have been able to use it had I tried to make a claim. Clearly this was just carried over to MBNA.

I am looking at filling in the forms today, just not sure if a 3rd party would be the better way to go.

Thanks in advance for any assistance.

If you are severly unable to got to the post box and post a letter,then use a claims co :D:D
Really though,that is all a company will do and gladly take a hefty % of your win.

First of all cancel ppi on any cards you have,do not do this if it is a loan.
Look here for reasons for mis sell
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2
If any/all apply to you,put a claim in,you only need the card number,or if a loan then the account number,most do claims over the phone now,so try this first.

With the Abbey and MBNA you should put a claim into both and see what response you get,i think primarily it will be MBNA,but they may not pay all the ppi back and refer you to Abbey.

Have a go yourself and save yourself money,if you need anymore help just ask.

Joannie51

Hi Think it was about the same time :mad: then it went to goldfish then barclaycard

eirelav1962

that was same as mines i will the email beamer sent me and see what happens

beamerguy

eirelav1962 wrote: »

that was same as mines i will the email beamer sent me and see what happens

have sent it to you

beamerguy

Anger at Lloyds PPI compensation delays

http://www.moneysavingexpert.com/news/reclaim/2011/10/anger-at-lloyds-tsb-ppi-compensation-delays?utm_source=forum&utm_medium=sidebar&utm_campaign=box

beamerguy

Just look at this

FSA rules to be tightened on packaged current accounts.
http://www.moneysavingexpert.com/news/banking/2011/10/fsa-rules-to-be-tightened-on-packaged-current-accounts?utm_source=forum&utm_medium=sidebar&utm_campaign=box

These crooked banks are taking money another way and are still not checking if the insurance is suitable for customers, UNREAL:(

YOUR LOCAL MANAGER coming to a bank near you SOON !!

cclissold

beamerguy wrote: »

Anger at Lloyds PPI compensation delays

http://www.moneysavingexpert.com/news/reclaim/2011/10/anger-at-lloyds-tsb-ppi-compensation-delays?utm_source=forum&utm_medium=sidebar&utm_campaign=box

very interesting. might ring my handler tomorrow and remind her that my money should be with me by 11 Nov (56 days). otherwise another email to Mr O.

C.x

beamerguy

cclissold wrote: »

very interesting. might ring my handler tomorrow and remind her that my money should be with me by 11 Nov (56 days). otherwise another email to Mr O.

C.x

YES DO IT, the more pressure we can put on the CEO's the better, mind you Osorio CEO of Lloyds seems to be in hibernation at the moment