PPI Reclaiming Discussion part 4

di3004

pammie39 wrote: »

hi all

asking about ge money again!
the loan was taken out in feb 2002(7 years ago), they sent me the paperwork so i'm still on they records.
do you think i may be to late now??

i didn't relise the time diffrence, otherwise i would have asked in earlyer posts. SORRY!

and you thought you had rid of me for 8 weeks:rotfl:

Hi Pammie, you ain't going anywhere.......:D, even if you win all your claims lol.....:D.

Its an old loan but not as old as some Pammie, you must definately try and give it your best shot.;)

pammie39

:huh:p.s what does imao mean (you put it some of my replies)?

di3004

pammie39 wrote: »

:huh:p.s what does imao mean (you put it some of my replies)?

"laughing my ar** off" lmao......:rotfl::rotfl::rotfl::rotfl:
And PMSL is "Pi**ing myself laughing" lmao :rotfl::rotfl::rotfl:

pammie39

oooooooooooooooooooooooooooooooo!:rotfl::laugh::laugh::rotfl::rotfl:

cheers mate now i'm LMAO

di3004

pammie39 wrote: »

oooooooooooooooooooooooooooooooo!:rotfl::laugh::laugh::rotfl::rotfl:

cheers mate now i'm LMAO

They say we all learn something new everyday pmsl :rotfl::rotfl::rotfl::rotfl::D

Annpan79

amersall wrote: »

hi there. first plus are in the habit of not paying up, and as you missed a payment they are likely to tell you take a hike. if i were you i would write to them using the template letter off this site and go for mis sell, they did not tell anyone that the ins was put on at the beginning and you pay that for the entire loan term or that you were only insured for the first 5 years, even if you do get the 10,000 back , you must realise you will still be paying for a ppi you have not got!! if you go mis sell and win (at the moment that is very possible) you will have the total ppi amount taken off the loan, the ppi payments you have made to date you will get back plus 8% interest on those payments. and your loan repayment will go down by the ppi amount (have a look at your agreement and see what you are paying a month just for ppi) i hope this helps, some people havent had to go to fos with fp so you might be one of the lucky ones, and even if you have to go to fos and it takes a while trust me you will be laughing all the way to the bank, any further advice please dont be afraid to ask, they are wonderful people on here and you will get all the help you need, good luck ( not sure if you will have a problem as it was 2004 but see what fp say first then come back on and let us know)

Hi,

Unfortunately I dont have scanner but i have a copy of the agreement which more or less goes like this;


Amount of advance : 47,000
Optional PPI : 9,367.10
Total Loan : 56,367.10
Monthly interest rate: .869%
APR : 10.9%

No of repayments : 300

Monthly Payment : 529.31

Then there is a paragraph at the bottom for the PPI;

Payment Protection

You have opted for ppi (which is ticked yes)

All the Ts & Cs are at the back etc

My maths is hopeless and wouldnt even know where to begin working out what the total interest paid on the PPI is or even what the monthly premium for ppi alone is i'm afraid!!!

Thanks for your advice, i think i may well be claiming the full amount!

di3004

Annpan79 wrote: »

Hi,

Unfortunately I dont have scanner but i have a copy of the agreement which more or less goes like this;


Amount of advance : 47,000
Optional PPI : 9,367.10
Total Loan : 56,367.10
Monthly interest rate: .869%
APR : 10.9%

No of repayments : 300

Monthly Payment : 529.31

Then there is a paragraph at the bottom for the PPI;

Payment Protection

You have opted for ppi (which is ticked yes)

All the Ts & Cs are at the back etc

My maths is hopeless and wouldnt even know where to begin working out what the total interest paid on the PPI is or even what the monthly premium for ppi alone is i'm afraid!!!

Thanks for your advice, i think i may well be claiming the full amount!

Hi Annpan

I'm sure our lovely amersall shall be back at some point later to take a looksie for you.;)

barloo69

di3004 wrote: »

Hi Annpan

I'm sure our lovely amersall shall be back at some point later to take a looksie for you.;)

Ive got to say, its so refreshing to receive some really good and positive advice from the people on this thread. Unlike the constant bickering that is going on on other threads !! (some not very nice people)

di3004

barloo69 wrote: »

Ive got to say, its so refreshing to receive some really good and positive advice from the people on this thread. Unlike the constant bickering that is going on on other threads !! (some not very nice people)

Hi barloo, how are you?:A;)

Nice to see you here.

Some threads can be pretty scary to post on........:eek:

MSutton

Hi,

Just looking for some advice, I took out a credit card with MBNA back in 2000 when I was a student and have had PPI on the agreement since it started, although I don't remember agreeing to it. I have coeliac disease and it has close links with many illnesses, including cancer, because I this I think it goes against the T&C's on the PPI agreement and I wouldn't get paid out for illness if needed.

Because of the combination of this and not being properly advised at the time of account opening do you think it is worth while making a claim?

Any advice is greatly appreciated.

Thanks

Mark