PPI Reclaiming Discussion part 4

di3004

paulhamblin wrote: »

Thanks for the amazingly quick responses!

I still have the agreement and everything so I'll go ahead and start the process. I'll let you know how I get on. I imagine it's going to be a long and difficult process as I'm dealing with HSBC!

Again, thanks for the replys!!! :beer:

With pleasure Paul.;)
You just keep at them, don't give in no matter what.;)
Good luck. X

educated_lurch

Hi guys and gals, my wife has a credit card PPI shes had since May 2005 on a Halifax credit card.Asked her for the paperwork and theres an agreement but she says she didnt ask for it though she not that sure. Whats the best approach for getting the PPI back ?

Also had an egg loan years ago which im sure i had PPI on even though i was a temp at the time - whats the chances of claiming anything for that.

Regards.

di3004

educated_lurch wrote: »

Hi guys and gals, my wife has a credit card PPI shes had since May 2005 on a Halifax credit card.Asked her for the paperwork and theres an agreement but she says she didnt ask for it though she not that sure. Whats the best approach for getting the PPI back ?

Also had an egg loan years ago which im sure i had PPI on even though i was a temp at the time - whats the chances of claiming anything for that.

Regards.

Hi there

Here is more info with reclaim letter templates:

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

I would write to them giving your reasons for mis selling, they have 8 weeks to respond in full.

Another letter maybe required if they do not resolve this in your favour for you, keep on at them, in the final letter they will or should give you details on how you can take this further such as with the financial ombudsman service.

Post by recorded delivery.

Good luck.
Please post if you require further help.;)

RisingJoe

Grrr.... i have 8 days until the 8weeks is up... and lloyds are really getting to me now...

Grrrr.Hope they admit they were wrong without too much hastle...

amersall

RisingJoe wrote: »

Grrr.... i have 8 days until the 8weeks is up... and lloyds are really getting to me now...

Grrrr.Hope they admit they were wrong without too much hastle...

hope you dont have to wait too much longer, fingers crossed

di3004

RisingJoe wrote: »

Grrr.... i have 8 days until the 8weeks is up... and lloyds are really getting to me now...

Grrrr.Hope they admit they were wrong without too much hastle...

Hi Rising Joe, hope you hear by the deadline, if you don't then you are entitled to move your complaint on to the FOS.

Hope it will be good news, fingers crossed.;)

educated_lurch

Cheers Di3004.Was just wondering what reason to use in the letter as the wifes not that sure if told or not about the PPI despite receiving the contract after. Ta

di3004

educated_lurch wrote: »

Cheers Di3004.Was just wondering what reason to use in the letter as the wifes not that sure if told or not about the PPI despite receiving the contract after. Ta

Hi there

You need to write that your wife did not request for PPI and was not aware this was being sold to her, something along those lines.;)

helenlb

Can anyone help?/ Followed stage 1 &2 to reclaim PPI on a mort from SPML/Capstone we took out in 2003 & paid off Nov 2008. Didn't even realise we had PPI - broke every rule in the book. We actually went through a broker for mortgage, apparently its the broker who also went ahead with the PPI. Had a reply from Capstone today saying "Red Brick Financial management arranged your mortgage for you. Souther Pacific was not party to any discussion concerning the insurance policy. The responsiblity for the sale rests with the company that introduced you to SPML...." it looks like this firm no longer exist will try and track them down, but is this correct??
HELP PLEASE
Hx

di3004

helenlb wrote: »

Can anyone help?/ Followed stage 1 &2 to reclaim PPI on a mort from SPML/Capstone we took out in 2003 & paid off Nov 2008. Didn't even realise we had PPI - broke every rule in the book. We actually went through a broker for mortgage, apparently its the broker who also went ahead with the PPI. Had a reply from Capstone today saying "Red Brick Financial management arranged your mortgage for you. Souther Pacific was not party to any discussion concerning the insurance policy. The responsiblity for the sale rests with the company that introduced you to SPML...." it looks like this firm no longer exist will try and track them down, but is this correct??
HELP PLEASE
Hx

Hi there

If the company no longer exists, do you know why at all?
For example, did they dissolve or maybe go into liquidation etc?

It may be a good idea to contact the financial compensation scheme (FSCS), to ask if they are listed with them.
If this is the case, the FSCS should send you out a form to complete, then you add your details about your complaint to them.

FSCS here:
http://www.fscs.org.uk/consumer/

Good luck and please let us know what they say.;)X