PPI Reclaiming Discussion part 4

di3004

pammie39 wrote: »

DI3004, thanks for the link, trying to find the paperwork, i have account numbers for most of them, but no statments. all had ppi for the reason above.

With pleasure Pammie, that is fine.;)

I would definately get writing to reclaim then.

pammie39

hi friends. 1st i would like to say it great to speak to people you dont know, (strangers as friends weird but good ).thanks!
no i haven't claimed anything yet, spoke to G.E MONEY (secured loan in 2002/2003), they said something about account all paid or used up, so can't claim anything back, they sent me a copy of my agreement papers and on it i have signed and ticked the box stating i wont the ppi. i can't remember the conversation with them about ppi (requesting it or not). what do you think?

di3004

pammie39 wrote: »

hi friends. 1st i would like to say it great to speak to people you dont know, (strangers as friends weird but good ).thanks!
no i haven't claimed anything yet, spoke to G.E MONEY (secured loan in 2002/2003), they said something about account all paid or used up, so can't claim anything back, they sent me a copy of my agreement papers and on it i have signed and ticked the box stating i wont the ppi. i can't remember the conversation with them about ppi (requesting it or not). what do you think?

Hi Pammie

Wonder if they have kept any telephone conversations, you could always ask if they a copy of these they can send you, but as this was a few years ago, they may not have these.

But another way is, you can request a Subject access request) SAR, with requesting this, they should send you everything they have on you that is requested on the SAR.
Template link below.
They have 40 days to comply, but there is a charge of £10 cheque or postal order payment for this request.

Post by recorded delivery.
Sometimes you will find some useful information within a SAR which may also help and strengthern your case.
http://forums.moneysavingexpert.com/showthread.html?t=1475553

di3004

Pammie

So this is paid off and they are stating because of this your unable to claim the PPI back, is this correct?

They are totally wrong if this is the case, it makes no difference whatsoever if the finance is settled or still active.;)

pammie39

do you think i was mis sold ppi, with the others? does this apply to credit card charges (yes most of the cards have them).
also a tricky one now.......halifax declined noting anything to do with my IVA, for 2 years they said they no nothing and have no papers or aggreed to anything, i took it to the FOS, and last week i recieved a good will £50 gester,( i acceped that), they have also CLEARED MY DEBT COMPLETELY!.
original was about £3400 but when the fos got involved it was about £4500 (interest,charges,ppi). should i claim on this one or leave alone, i'm thinking leave alone ( or am i to soft ) ?

sorry to woffel on, but i have found people to speak too, instead off queing up for hours and not getting seen (cab). thanks guys

di3004

pammie39 wrote: »

do you think i was mis sold ppi, with the others? does this apply to credit card charges (yes most of the cards have them).
also a tricky one now.......halifax declined noting anything to do with my IVA, for 2 years they said they no nothing and have no papers or aggreed to anything, i took it to the FOS, and last week i recieved a good will £50 gester,( i acceped that), they have also CLEARED MY DEBT COMPLETELY!.
original was about £3400 but when the fos got involved it was about £4500 (interest,charges,ppi). should i claim on this one or leave alone, i'm thinking leave alone ( or am i to soft ) ?

sorry to woffel on, but i have found people to speak too, instead off queing up for hours and not getting seen (cab). thanks guys

Hi Pammie

Personally I think you have a case here and I would go for it.

Its your money and you have been out of pocket because of this, and do not worry about it.

There are PPI to reclaim and any charges, however if you want to know more on credit card charges you do this separate to the PPI, sorry to confuse you......:o
But just to make it a little easier for you..................

You can reclaim on PPI plus the interest in proportion of the PPI.

And

Credit card charges as well, for instance maybe late charges or being overcharged, but for more on credit card charges I would check this link here below:
http://www.moneysavingexpert.com/reclaim/credit-card-charges

And for PPI reclaiming, here is the link I posted the other day:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

di3004

Pammie here below is the link to the Credit Card Forums....
http://forums.moneysavingexpert.com/forumdisplay.html?f=102

I would keep this separate to PPI.;)

pammie39

di3004 wrote: »

Pammie

So this is paid off and they are stating because of this your unable to claim the PPI back, is this correct?

They are totally wrong if this is the case, it makes no difference whatsoever if the finance is settled or still active.;)

with GE MONEY we paid them early (got mortgage), and ppi finished 1 or 2 years later. (2006 i think). yes, they said we have no claim as all used up or something like that,

di3004

pammie39 wrote: »

with GE MONEY we paid them early (got mortgage), and ppi finished 1 or 2 years later. (2006 i think). yes, they said we have no claim as all used up or something like that,

Yes you can, It seems they have fobbed you off.

I have made successful reclaims with settled finance.
And many on here have too.;)

How do they make that out, that you used all your claim up?
As you never made a claim?

They are trying it on, get writing to them Pammie.;)

brufferssprouts

Any idea if there is a way of getting a list of previous loans etc - i've thrown all trace of previous agreements away but i'm sure i'd be entitled to claim some money back on some of them. I wish i'd known then what i know now......
Thanks in anticipation to any replies - this is my 1st post
D