StephAshcroft wrote: »
I've been thinking about it - and in the last 10/12 years, I've had:
loans with Sainsburys & Natwest Bank
Credit cards with NatWest, Egg & Capital One
Mortgage with Northern Rock & Standard Life
Store card with Evans
I don't have any information on them - account numbers or anything! And I can't remember if I paid PPI or not! I don't normally - so wouldn't have knowingly agreed to pay it.
Do you think its worth pursuing? If so, it seems like it will be a lot of work, with working full-time and being a single mum of one!
Gemster1982 wrote: »
Hi All I had a loan with Northern Rock I have read the articles but can't find anything relating to them ...Anyone any idea as to how I would go about claiming back from them ..the loan was fully repaid in 2008/9 but I was told as I worked for an agency at the time I had to take out the PPI.
Sorry if I have posted this incorrectly it's my first post.
thanks in advance
Hassy1 wrote: »
Hi very new to this and need some advise!
I have had a credit card with MBNA for 15 years. At the time of getting the credit card i was in full time employment with full sickness and redundancy benefits as a retail manager, i had been with the company for 8 years at this point. I am still with the same company 15 years later. I applied for and was succesful in my application in 1997. I think i applied through one of the flyers that came through the post. I have my original " congratulations you have been succesful" letter detailing when i would recieve my Card, Pin number etc. but at no stage does it mention PPC and i cant remember ever asking for it or ticking a box. I have had other credit cards & loans since this and always declined the insurance when asked as it was never needed due to my work benefits.
I phoned MBNA claims line to query the PPC payment as i wasn't aware i was paying it and got the answer back " OK, i will cancel that straight away" no questions asked if it was now suitable or not. ( I didn't actually asked to cancel it, only to query it). I then asked to process a complaint for mis selling which they did over the phone.
I have since recieved a FOS Questionaire to fill in but am struggling with what to put in the reasons for mis selling. I suppose the main reasons are 1) I didn't even realise i was paying it ( which i feel a bit stupid about not knowing after 15 years ). 2) my employment benefits negate the need for this insurance hence why i have never had it for any other form of credit.
I am in fear of over thinking this!
Is this all i need to put in this section?
and also what was the standard practice of the Credit Card junk mail back then? was PPC pre-ticked etc?
Any help would be much appreciated.
Thanks in advance
jamesissitt wrote: »
I have been approached by this company saying that I am entitled to thousands back from mis-sold PPI. I am sure that we have never ticked the PPI box.
Is it worth using this company?
monkey81 wrote: »
HELP, i'm new!!!
I'm getting so stressed about all of this!!
My partner has had 3 loans from tsb and we both had a credit card each, we dont have any paperwork for any of them though, where do we go from here??? thanks in advance
the general consensus is
jchaplin wrote: »
Am after some advice. My father has engaged the services of a claims company to persue a loan he had some time ago with PPI. He paid an amount up front to them to do this, and after discussing cancellation with them they would retain most of this sum if we asked them to stop persuing the claim.
When I found out I came straight to the forum and it would appear we could easily follow the self-claim process.
What's the best approach? Would it do any harm to persue both avenues rather than cancel and lose the fee, or is that just going to cause problems for us?
Thanks in advance.
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