PPI Reclaiming Discussion part 4

Karmawitch

Karmawitch wrote: »

The loans we have had have got different purposes in sections, purpose 123, 3 is PPI and then underneath it says the interest . Underneath that it tells how much is paid per month and how long for, does that make them not front loaded?? Thanks again .
Oh my complaint forms are ready to go, after I photocopy them all. Should I send them all in one big envelope or all separate?. When I sent SAR I sent it to YB at Leeds but reply came from clydesdale at Glasgow, where should I send the forms to, thankyou again for the help.

Little bump, can any of ye knowledgable ones help?

sillylily_2

Hi there
I wondered whether anyone can give me any advice regarding the mis-selling of PPI on a Hire Purchase Agreement for a new car. The Dealership was Ford Dagenham Motors, the finance arranged through Ford Credit, and PPI underwritten by Norwich Union.
I have sent a letter of complaint to the dealership, hoping that this is, my first port of call, but just need some clarification as to what the next step should be.
I purchased the car in September 2005 and paid it off in December 2010. I did not even know that I had the PPI, even thou I signed for it, I thought it was a signature required for the Hire Purchase Agreement, hence so annoyed that PPI was not even discussed with me when I bought the car.
Any advice from anyo9ne would be truly appreciated.
Thanks

beamerguy

sillylily wrote: »

Hi there
I wondered whether anyone can give me any advice regarding the mis-selling of PPI on a Hire Purchase Agreement for a new car. The Dealership was Ford Dagenham Motors, the finance arranged through Ford Credit, and PPI underwritten by Norwich Union.
I have sent a letter of complaint to the dealership, hoping that this is, my first port of call, but just need some clarification as to what the next step should be.
I purchased the car in September 2005 and paid it off in December 2010. I did not even know that I had the PPI, even thou I signed for it, I thought it was a signature required for the Hire Purchase Agreement, hence so annoyed that PPI was not even discussed with me when I bought the car.
Any advice from anyo9ne would be truly appreciated.
Thanks

Hi and welcome

See the checklist, if you can answer no to any of the questions, you have grounds for reclaiming mis-sold insurance


*Did YOUR LENDER explain the full cost of the PPI when you took out the loan?
*Did you specifically ask YOUR LENDER for PPI?
*Did YOUR LENDER make clear that PPI was optional?
*Did YOUR LENDER ask you about your medical history?
*Did YOUR LENDER ask you about any existing payment cover?
*Did you know that YOUR LENDER added a PPI policy to your loan?
*Do you think YOUR LENDER treated you fairly?
*Did YOUR LENDER ask if you have any existing medical conditions?
*Did YOUR LENDER ask if you were entitled to sick pay from your employer?

RMTOM44

Well rang welcome finance today to be told all the checks have been done and its now been passed to a manager to check and at the final stages.

Does anybody know what will happen from here ?? or how long ??

welcome finance are very reluctant to tell me anything

Thanks for all the help

:>)

pspiller

Hi,

I have received my credit report and there is a lot of items on there, I would like to write to all of the companies to get my terms and conditions from them as I am almost certain that I was missold PPI at some point, Nationwide, Capital one and sainsburys are all in my list and I am sure I have had PPI with them all. However, there are no account numbers on my credit report? Can I still write to them with the template letter without account numbers? Is there anything else I can include? All other information is there but surely without an account number this is going to make it more difficult?

regards

Paul

princesskez26

pspiller wrote: »

Hi,

I have received my credit report and there is a lot of items on there, I would like to write to all of the companies to get my terms and conditions from them as I am almost certain that I was missold PPI at some point, Nationwide, Capital one and sainsburys are all in my list and I am sure I have had PPI with them all. However, there are no account numbers on my credit report? Can I still write to them with the template letter without account numbers? Is there anything else I can include? All other information is there but surely without an account number this is going to make it more difficult?

regards

Paul

Hi I sent the questionnaires off with no account numbers on so it is possible, otherwise I think you can send an SAR letter with a £10 fee to the company for them to send you all the information you need, account nos, any ppi payments you made, figures & dates etc.

pspiller

Hi,

thanks for that, with relation to the questionairre. If I send that off with the original template letter (the one where I have to request a copy of the Ts&Cs for £1) that will be enough for them to go on and find my information? I am reluctant to do the £10 thing as with the amount of loans etc I have had it could cost about £100 which I dont have right now and I dont know how many (if any) have had PPI so could end up potentially £100 out of pocket. So if the questionairre and the letter will get the ball rolling I will start with that for now

princesskez26

pspiller wrote: »

Hi,

thanks for that, with relation to the questionairre. If I send that off with the original template letter (the one where I have to request a copy of the Ts&Cs for £1) that will be enough for them to go on and find my information? I am reluctant to do the £10 thing as with the amount of loans etc I have had it could cost about £100 which I dont have right now and I dont know how many (if any) have had PPI so could end up potentially £100 out of pocket. So if the questionairre and the letter will get the ball rolling I will start with that for now

Yes if thats the easiest way for you, it does get dear sending the £10 when you have umpteen companies but like i said ive managed without the account numbers, many others perhaps have too. Good luck with your claims

peterrobbo

can anyone out there recommend a company that can act in my best interests for reclaiming PPI on several loans, CC`s mortgage etc as the task of tackling all of these on a collective front is daunting. Also the info I have I have is limited so I need all the professional help I can get.
Thanks

peter

princesskez26

peterrobbo wrote: »

can anyone out there recommend a company that can act in my best interests for reclaiming PPI on several loans, CC`s mortgage etc as the task of tackling all of these on a collective front is daunting. Also the info I have I have is limited so I need all the professional help I can get.
Thanks

peter

The general advice is to 'steer clear' from claims management companies. They use the exact same process as anybody else that does it single handed on the forum but charge extortionate fees for doing so. It only cost you a stamp and all the info you need plus the help of talking to others and asking questions is all here for you, theres nothing to be afraid of at all, its just a long winded process due to the banks own delays! :-)

Have a read here: http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance