PPI Reclaiming Discussion part 4

Totally_Confused_2

Cheers guys, I will try this number and see if they have heard of me.

beamerguy

People, it beggars belief that this stupid government cannot see the wood from the trees. They know that the tough measures they impose are causing a rise in the jobless, people make a choice of eating or heating, poverty at a all time high ..... for goodness sake, this is supposed to be Great Britain not a poky little back street country.

NOW ...... they want to get their greedy little fingers on money being repaid which was stolen in the first place by the banks. I think we can all understand why there is an ever increasing black market in cash within the UK ?

They even go chasing Escorts and prostitutes for tax on their earnings making the government the biggest PIMPS IN COUNTRY, living off immoral earnings. Tis no wonder that people are now waving 2 fingers at them

JUST READ THIS ARTICLE
Got PPI compensation? You probably owe tax
http://www.moneysavingexpert.com/news/reclaim/2011/11/got-a-ppi-payout-you-probably-owe-tax?utm_source=forum&utm_medium=sidebar&utm_campaign=box

cappo

beamerguy wrote: »

People, it beggars belief that this stupid government cannot see the wood from the trees. They know that the tough measures they impose are causing a rise in the jobless, people make a choice of eating or heating, poverty at a all time high ..... for goodness sake, this is supposed to be Great Britain not a poky little back street country.

NOW ...... they want to get their greedy little fingers on money being repaid which was stolen in the first place by the banks. I think we can all understand why there is an ever increasing black market in cash within the UK ?

They even go chasing Escorts and prostitutes for tax on their earnings making the government the biggest PIMPS IN COUNTRY, living off immoral earnings. Tis no wonder that people are now waving 2 fingers at them

JUST READ THIS ARTICLE
Got PPI compensation? You probably owe tax
http://www.moneysavingexpert.com/news/reclaim/2011/11/got-a-ppi-payout-you-probably-owe-tax?utm_source=forum&utm_medium=sidebar&utm_campaign=box

already seen the article mate, it's disgusting how as you've said before can someone benefit from fraud, only the government of our country would have the brass neck to try this, Mr cameron it's time for you to go!

beamerguy

cappo wrote: »

already seen the article mate, it's disgusting how as you've said before can someone benefit from fraud, only the government of our country would have the brass neck to try this, Mr cameron it's time for you to go!

One thing for sure if Cameron and his bunch of merry men continue the route they are on, very few people will believe them in future. The banks are walking all over them now

lisajaynec

chelledavis wrote: »

Hi, hope someone can help with this please. I have found an old statement headed "Creditcharge", and seem to think this is an argos storecard ? The address at the bottom of the statement is First National Tricity Finance, Agar Street, London but Im having no luck tracing them. It definitely shows ppi and I would love to claim it back so ANY help at all would be hugely appreciated. Thank you.:)

Its part of Santander, i too had First National Tricity creditcharge from Scottish power from 1993, but they have refused because I only have the statement clearly showing PPI, but because I don't have the original loan agreement i was turned down-good luck with your claim

lisajaynec

Hi again
Sorry to be a pain but another friend has just been rejected by MBNA, because she took out the credit card on line in 2002 and signed the form and sent it back, she is salaried with a job with the local authority, so this wasn't needed. Any help in what to put in a letter will be really appreciated
Thanks
Lisa

beamerguy

lisajaynec wrote: »

Its part of Santander, i too had First National Tricity creditcharge from Scottish power from 1993, but they have refused because I only have the statement clearly showing PPI, but because I don't have the original loan agreement i was turned down-good luck with your claim

As Cappo said earlier there are FSA Regulations saying that you cannot be penalised for not have the paperwork

http://www.fsa.gov.uk/pages/handbook/
paragraphs are
3.3.39
and 3.3.89

Remind Scottish Power of this and ask them to locate the loan agreement. Regardless of that, if there was PPI added was it with your knowledge, was it applicable to you if you were to claim, did anyone talk you through the policy ?

beamerguy

lisajaynec wrote: »

Hi again
Sorry to be a pain but another friend has just been rejected by MBNA, because she took out the credit card on line in 2002 and signed the form and sent it back, she is salaried with a job with the local authority, so this wasn't needed. Any help in what to put in a letter will be really appreciated
Thanks
Lisa

Question, is did she tick the box, was she sent a policy, did MBNA clarify it was applicable to her if she were to claim.
Remember MBNA have already been up in the courts for ticking boxes with permission, tell me more please

lisajaynec

beamerguy wrote: »

As Cappo said earlier there are FSA Regulations saying that you cannot be penalised for not have the paperwork

http://www.fsa.gov.uk/pages/handbook/
paragraphs are
3.3.39
and 3.3.89

Remind Scottish Power of this and ask them to locate the loan agreement. Regardless of that, if there was PPI added was it with your knowledge, was it applicable to you if you were to claim, did anyone talk you through the policy ?

No. i didnt even realise it was added, but Santander said because it was from 1993, they cant locate the paperwork and because I cant provide it, they closed the case. I have sent it on to FOS

lisajaynec

beamerguy wrote: »

Question, is did she tick the box, was she sent a policy, did MBNA clarify it was applicable to her if she were to claim.
Remember MBNA have already been up in the courts for ticking boxes with permission, tell me more please

The letter says she applied in feb 2002
During the internet sales process info re PPI appeared on a separate screen to your card application. it would have been clear from this seperate screen that ppi was a distinct product from the cc.
this option to tick the box would have made it clear that you could choose to have it or not. given that you ticked the box, i am satisfied that you actively chose to purchase ppi and that it was optional when you did so.
Then it goes on to say that you were eligible as you were 18-70 in full time employment and lived in uk. then says i have reached the view that given the circumstances the ppi policy you purchased provided cover which would have been beneficial to you.
Then it goes on sorry to disappoint you...................
then fos

Firstly she was employed and had sickness cover by her employer, she lived with her partner (who she is now married to) who was also in full-time employment and they have no dependants.
She staes that the internet box was pre ticked....but cant prove it, so thought it was compulsory for the card
But MBNA sent out a photocopy of the form to sign which she did sign and returned confirming ppi.....

She was going to leave it but I think its worth another go and then off to FOS if no joy. Any help gratefully received
Thanks