PPI Reclaiming Discussion part 4

dreamer33

molly44 wrote: »

Hi I put this post on part 3 of the discussion:

My situation is this :
Took a loan out in 2000 with my husband (now my ex-husband) with Nationwide. Was sold PPI even though we both had pre-existing medical conditions so I am claiming that it was mis-sold on this basis, and also because we were led to believe that it would assist our loan application if we took it out. Also PPI only covered first person on loan i.e my ex-husband.

Complained to Nationwide and was given final response to say basically you had terms and conditions and you both signed!

Have filled in comlaint form to FOS but have received it back so say 'it appears that both parties have not signed form. Please ask Mr N to sign form and return'

Can anyone tell me if they too have been in this situation. Mr N went to work abroad 4 years ago to avoid paying maintenance for the children and basically left me high and dry with large mortgage to pay, etc so I have no contact with him. It is me making the complaint for mis selling so does FOS still need his signature on complaint form?

Someone advised me to just ring FOS and tell them my situation, and I thought I would let you all know that I have done this and they told me to send complaint form in again but this time with a covering letter stating that I have no contact details for Mr N. They said it is up to adjudicator whether they will look into my complaint, so fingers crossed!!

molly44

Yes its normally the case that if two parties are involved they need both signatures, as they can only normally deal with the infomation based on the signature on the complaint letter. However in your case you have no choice and hopefully they will take this on for you.

Good luck molly

di3004

sacbaby37 wrote: »

Guess wot guys i have just given someone advise, how did i do lol;) sarah xxx

Well done Sarah.....:T :T , keep it up, your help is a great HELP here, thank you.:beer: X

booi666

pinknico wrote: »

Couldnt even come close, how long have they got left?

7 WEEKS:eek: FOR THE PPI

And 28 days for each of the others

sacbaby37

dreamer33 wrote: »

Lmao you go for it sacbaby:T :A Excellent

I just hope my experience may help someone else on the road to getting their money back. xxxx:T

dreamer33

sacbaby37 wrote: »

I just hope my experience may help someone else on the road to getting their money back. xxxx:T

And you are doing a wonderful job, this is how we are all able to help through our own experiences, keep it up xxx

sacbaby37

di3004 wrote: »

Well done Sarah.....:T :T , keep it up, your help is a great HELP here, thank you.:beer: X

I wouldnt be here without you lot, ive made many friends along the way and gained alot from you all. xxxxx:A :rotfl: :rotfl: :rotfl:

dreamer33

booi666 wrote: »

7 WEEKS:eek: FOR THE PPI

And 28 days for each of the others

I bet that 7 weeks seems like 7 months. 28days for the others they may all come at once then. That would be good

booi666

dreamer33 wrote: »

I bet that 7 weeks seems like 7 months. 28days for the others they may all come at once then. That would be good

The 28 days isnt ppi,:rotfl:

these are much much bigger than ppi:eek: :eek:

I could be shot for this:T

dreamer33

booi666 wrote: »

The 28 days isnt ppi,:rotfl:

these are much much bigger than ppi:eek: :eek:

I could be shot for this:T

What on earth are you upto boo:eek:

chocaholic110

Hi, hoping someone can advise.
I took out an Egg loan April 2004 for £10,000 on which PPI of £2170 was added. I was advised it would help the application by taking it out. The next year I consolidated the loan again with Egg, loan amount £10,571 of which I received £1769 and the rest was redemption on the loan. This time I said I didn't want PPI but they said it probably wouldn't go through without it and the PPI figure was £3366.

Sometime in 2006 or 2007 I phoned up and asked for PPI to be taken off which they did and took approx £1500 off my loan. Would I still be able to reclaim and what figures do I use? The second loan?

Sorry if I'm not making much sense but I'm just starting to look into it and help would be great.

Thanks