millerman99 wrote: »
thanks beamerguy but what is sar im new to all this mate
Moneyineptitude wrote: »
Read through the article from the main site here:http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
It explains in detail (with sample letters and copies of application forms) what to do at every stage of your PPI complaint.
"If you can't find your agreement or T&Cs, contact your lender to ask for a copy (make sure T&Cs date back to the time of your agreement as terms will change over time).It may not provide the agreement if your account is closed but you can then ask for a full breakdown of your whole account (this can cost £10)".
Read through the article first and then request that your lender provide a full breakdown of your whole account (this is SAR). There is an excellent template letter to be found in this thread:http://forums.moneysavingexpert.com/showthread.php?t=1475553
beamerguy wrote: »
Thanks Moneyineptitude you beat me to it
Moneyineptitude wrote: »
Thought I'd save all you veterans some work!!:)
LAM2011 wrote: »
Thanks for your help. Should I put it in writing - do I threaten them that i will contact FOS or was that just for my info?
manama wrote: »
Okay so one more question from me...well for my papa......he has a loan through ge money for windows taken out in 05 still running...found pinical ppi from 2005 but ended in 2010....however he turned 65 in 07 and had previous medical issues....which i believe were never disuccsed and anyhow the ppi is not covering him......i know i need the paperwork...but my ppi from pinical states up to 65 ....would you say this was a cleAr mis sell? Thanks
andrew25000 wrote: »
Hello to you all, Newbie here so please be kind. some advice if you nice people can,
I sent away to the Halifax about a loan i had with them it was for £20000 secured, I had taken it out in December 2003 and payed it off in Aug 2004.
It was for a 204 term
At £211.11 per month.
Any way my question is the i have had a letter from the Halifax saying as our final response,we are offering you a payment of £230.83.
This is a refund of premiums of £142.98 and intrest at 8% of £87.85 calculated up to the 21 march.
Am sorry i dont have how much i was paying in ppi each month, so can i ask all you nice people does this sound about right the refund i should be getting.Keep up all the good work we would get nowere with out people like your selfs.
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