PPI Reclaiming Discussion part 4

bethg2009

I have just tracked the 3 claims I sent off last week and were all signed for on Monday 13th Feb. When should I expect a response from them?? I sent in the questionnaires 2 to Santander and 1 to Future Mortgages??

Thanks, I'm soooo excited :T

amersall

jomadd wrote: »

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

If an account is closed,they do not have to send you a copy of the agreement,you will have to do a SAR for these,any that are with the same company,you only need to send one £10 to cover this,if they are different,then you will need to send one to each.
https://forums.moneysavingexpert.com/discussion/1475553

Do you have no info at all regarding these accounts?,you only need reasons for mis sell and the account number,if it is a CC,then you only need the card number.
Just to let you know,a CC agreement may not show ppi being on there,most ppi is added when you activate the card.

If you think the redress on the card is not right,you must ring them and ask how they have worked this out,some only go back 6 years
if you have no statements to show ppi before this.

amersall

bethg2009 wrote: »

I have just tracked the 3 claims I sent off last week and were all signed for on Monday 13th Feb. When should I expect a response from them?? I sent in the questionnaires 2 to Santander and 1 to Future Mortgages??

Thanks, I'm soooo excited :T

By the end of Feb you should have an acknowledgement from them both,they then have 6 more weeks to give you a final response.
Santander are pretty quick though.

amersall

jeannie1505 wrote: »

Hi Amersall,
this is the second final response they have given me lol! I told them exactly what you have said but they seem to think I still fit the criteria, so FOS it is......just means when i do win they will have to pay me more interest as i just paid off the balance lol :rotfl:

Fingers crossed.

bethg2009

amersall wrote: »

By the end of Feb you should have an acknowledgement from them both,they then have 6 more weeks to give you a final response.
Santander are pretty quick though.

So I should have some form of an offer by end of March at least??

amersall

bethg2009 wrote: »

So I should have some form of an offer by end of March at least??

Yes,either an offer or rejection,if they reject,don't worry,post what they say on the site and we will help you from there.
Hopefully they wont take the full time,some banks are moving claims quite quickly now.

icmelerlovers

thank you telephone call 6th feb about complaint
in your call you told us that

• you were led to belive that you would need to take ppi out if you wanted to ensure that you got the loans or credit cards.

if my understanding of your compliant is incorrect please contact us asap.

no questionaire sent to fill out is this correct ??
do i need to send of sars request as i cannot find all paperwork
anybody had dealings with halifax and this compliant before

Linus27

Hi everyone, I have have a read on some of the posts here and its all a bit over my head at the moment. I am wondering if I have any case for claiming PPI back.

I have a LloydsTSB Mastercard. I have had it for years, over ten I would say and quite possibly longer and I have noticed that I am paying PPI on it. As I have had the card for so long, I have no idea if at the time if I agreed to taking this out or if in fact was aware I was taking PPI out.

Do I have a case and whats the best way forward for me?

Also, in the past (probably about ten years ago) I had a loan with Lloyds TSB which I think ended around 2005. I think it was for about £5,000 and no doubt I had insurance on that. Is this something I can claim back also?

Any advice and guidance really appreciated.

KarenB021

Thanks Martin! Remembered I had two A&L loans that finished in 2004 and having turned the attic apart found the paperwork to send to Santander and within 3 weeks had a response offering me a tad under £1000 - not a bad return on the price of a couple of stamps. Would never have thought of doing this if it wasnt for the advice and knowledge through reading and digesting the content this site.:j Thank you so much

cappo

Linus27 wrote: »

Hi everyone, I have have a read on some of the posts here and its all a bit over my head at the moment. I am wondering if I have any case for claiming PPI back.

I have a LloydsTSB Mastercard. I have had it for years, over ten I would say and quite possibly longer and I have noticed that I am paying PPI on it. As I have had the card for so long, I have no idea if at the time if I agreed to taking this out or if in fact was aware I was taking PPI out.

Do I have a case and whats the best way forward for me?

Also, in the past (probably about ten years ago) I had a loan with Lloyds TSB which I think ended around 2005. I think it was for about £5,000 and no doubt I had insurance on that. Is this something I can claim back also?

Any advice and guidance really appreciated.

Hi to start with have a look at the links and see if you have good reasons for being misold, if it was me for such an old credit card account i'd sar them, the loan is definitely a win, credit cards are a bit different, i have done LTSB claims over the phone but i was not very successful with that route in fact they told me i had no ppi, i've since challenged that decision myself and won back on two loans and the two credit cards are in with the fos, not a very good bank for coming clean in fact i would sar them and save yourself a lot of possible aggravation with them. Only my opinion though. good luck.





http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

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


https://forums.moneysavingexpert.com/discussion/1475553