PPI Reclaiming Discussion part 4

amersall

lozziej wrote: »

Hi, I'm hoping someone can advise me on what i need to do now re: ppi reclaiming. Last august we moved house and got rid of any paperwork that was 5 years old and over. I've gone through my bank statements online tonight going back to 2002. I have had 6 loans between then and 2010. All I have is the dd details, no account numbers They're with Cahoot, Abbey National, Black horse and Lombard bank. How would I go about getting the info I need, do i contact my bank or the lenders? Also will now having a different address make my claim invalid?
Thanks for taking the time to read this Lozziej

If you have the DD details there should be the account numbers there too,if they are not,then ring your bank and ask if they can find the account numbers, have you gone on your DD list online? the numbers should be there.

Your old address is what you use to find info and put a claim in,the new address is what you give them to send responses to.

amersall

paintpotter wrote: »

Go on their website and phone them in the first instance. Give them your card number and say you want to register a PPI mis-sold complaint. Then sit back and wait....:D

Also,have reasons for mis sell ready

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2

amersall

sw1nski wrote: »

Hi
I am trying to reclaim my ppi insurance but have come against a problem and hope you can help.

I have got my credit report from equifax but on my credit agreements page, it only shows the last 4 digits of my account numbers. I therefore think the loan company will not supply the information i need without my full account number details.

Can you please give me some advice how to get my full account number. I have tried to contact equifax for an answer, but because i have used my 30 day free trial and dont want to pay a monthly subscription, i can’t contact them.

Thanks for your help
sw1nski:D

Give the loan company a ring and use the last 4 digits,give as much info about you as you can,address,dob etc,some have got info doing just this.

amersall

korabiowski wrote: »

Hi all

After reading a lot of posts over the last couple of days, I have finally decided to take the plunge and try and retrieve some of my PPI payments.

I have a personal loan with Santander/Cahoot (ends April this year,) and 2 no. credit cards (Cap 1 & Nationwide)
I have checked statements, and have confirmed I am definately paying PPI on all 3 items (all dating back to 2006 time.)

I have to be honest, I don't know if I requested PPI on any of them, but if I have, I suspect I would have (without really thinking about it,) agreed to include them to ensure my application was accepted (as you do!!)

So far, I have :

1/ Lodged a phone complaint with Santander, indicating that I was informed that taking PPI would improve my chances of being accepted
They have raised as a complaint and advised 8 weeks for decision

2/ Sent secure email to Capital One requesting copies of my original T&C's and application/acceptance documentation
I have received email indicating these will be sent out in next week or 2

3/ Sent secure email to Nationwide requesting copies of my original T&C's and application/acceptance documentation

I am a 100% newbie at this sort of thing, so I would appreciate any feedback as to whether or not I should be doing anything else in the meantime, or would you suggest approaching it differently?
Or I suppose my main question is, do you think this is a non-starter?

Any assistance would be warmly received

You are doing fine at the moment,see what comes back.

amersall

paintpotter wrote: »

We sent a cheque with a SAR request to the halifax. They have cashed the cheque but nothing has come through the post yet, what should we do now? Thanks for your help.

They have 40 days to comply,when did you send this?.

jomadd

hi i wonder if somebody can me some advice, i have started to try making claims myself,one bank has made me an offer,as a gesture of good will,others have refused to send me a copy of the agreement and returned the cheque,what is my next step,and how do i proceed from here,what happens if i do not accept the first offer,card was taken out 2001 till nov 2011,they are not accepting that i wrote to them for the first time in 20010,any advice would be greatful
thanks joanne

icmelerlovers

unsecured personal loan agreement ,
could you tell me what this all means and is this the same a ppi


loan amount £7000.00
intrest £1.144.16
total payable £8.144.16
monthly payment £169.67


next column optional credit insurance

loan amount £799.43
interest £130.81
total payable £930.24
monthly payment £19.38

third colunm
loan amount £7.799.43
interest £1.274.97
total payable £9.074.40
monthly payment £189.05



48 monthly payments apr 7.90%

very confused

cappo

amersall wrote: »

They have 40 days to comply,when did you send this?.

Phew you have been a busy girl, how goes it and happy valentines day

dilus

icmelerlovers wrote: »

unsecured personal loan agreement ,
could you tell me what this all means and is this the same a ppi


loan amount £7000.00
intrest £1.144.16
total payable £8.144.16
monthly payment £169.67


next column optional credit insurance

loan amount £799.43
interest £130.81
total payable £930.24
monthly payment £19.38

third colunm
loan amount £7.799.43
interest £1.274.97
total payable £9.074.40
monthly payment £189.05



48 monthly payments apr 7.90%

very confused

Hi icmelerlovers,
The first bit is your loan and what it costs you, the second bit is Optional PPI and what it costs you, the third is the overall cost of the loan if you took the PPI with it.
This is upfront PPI which is frowned upon (a loan within a loan) and is the most upheld type of PPI, provided you have a valid reason to believe it was mis sold

lozziej

wow thank you I thought the numbers on the dd list were just transaction numbers. so I have everything i need I will get onto it. Good luck to everyone else