PPI Reclaiming Discussion part 4

amersall

pammie39 wrote: »

amersall,
im really confused aswell, there is someone on iva foram who worked in a iva company so im trying to get him to clarify this.


as for senior moments im only a young 39 and been having these moments for years!!!!!:rotfl:

OMG!! :eek::D:D no hope for me then, i am 50 in november:rotfl::rotfl:well past my use by date;);)

di3004

amersall wrote: »

OMG!! :eek::D:D no hope for me then, i am 50 in november:rotfl::rotfl:well past my use by date;);)

:rotfl::rotfl::rotfl:, me neither.......my 41st next month.....:eek::eek::D lol

Envy

Hey people, this is my 1st post and I hope someone will be able to help...

I took out a graduate loan with HSBC in 2001 and I have since had it 'reworked' a few times with different loan account numbers. Can I request for these old account numbers and go on to claim back PPI charged on them?

di3004

Envy wrote: »

Hey people, this is my 1st post and I hope someone will be able to help...

I took out a graduate loan with HSBC in 2001 and I have since had it 'reworked' a few times with different loan account numbers. Can I request for these old account numbers and go on to claim back PPI charged on them?

Hi there

In order to reclaim you will require the loan account numbers so that they are aware of what loans ppi your reclaiming, so if you remember how many loans you had, you have to enclose a £1 for each request on a copy of the CCA (copy of the agreement), payable in postal order or cheque payment, and they have 12 days to post this to you.

Give as many details as possible, such as addresses if different at the time, surnames etc and also write your date of birth.

You may also come across loan account numbers on bank statements, if you bank online this should allow you to go back 6 years to check, and you should find the account numbers next to the repayments you made each month.

In regards of PPI reclaiming, link here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

The link above will give you all the information and templates you require for reclaiming PPI, they have 8 weeks to respond.
Post by recorded delivery.

Another way though for even more information if the loans were from the same bank etc, you could request a Subject Access request (SAR) they have 40 days to comply, but there is a charge of £10 cheque or postal order payment for this request, this should cover ALL your information if with the same bank.
Even though when requesting CCA's or SAR they only tend to go back as far as 6 years, but you should receive something back in relation to the loans.

SAR template on this link here:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Good luck and post up for help when required, please also keep us posted.;)

showergirl

My friend received a letter from A and L yesterday saying that they would investigate her complaint, and they hope to be able to find a solution that she is happy with.
I have told her that this is a standard letter and not to build her hopes up.
As we all know this can be a long and frustrating road, but I have told her we are all here to help her.
There is nothing worse than having your hopes built up, just to have someone knock them down again.

maxdp

showergirl wrote: »

My friend received a letter from A and L yesterday saying that they would investigate her complaint, and they hope to be able to find a solution that she is happy with.
I have told her that this is a standard letter and not to build her hopes up.
As we all know this can be a long and frustrating road, but I have told her we are all here to help her.
There is nothing worse than having your hopes built up, just to have someone knock them down again.

Thinking about A and L my first one went to the FOS but A and L settled before it was taken on my FOS. Internal audit was the reason.

showergirl

maxdp wrote: »

Thinking about A and L my first one went to the FOS but A and L settled before it was taken on my FOS. Internal audit was the reason.

How long did you have to wait to get your money.

I have told my friend not to build her hopes up as she may have to go to the FOS, but we should get there in the end

maxdp

showergirl wrote: »

How long did you have to wait to get your money.

I have told my friend not to build her hopes up as she may have to go to the FOS, but we should get there in the end

They paid within the month and paid the interest as culmulative interest rather than simple.
http://forums.moneysavingexpert.com/showthread.html?t=862067&page=482
This is the link where I put it all down. I obviously do not know how your friend was miss sold but when I first wrote to A and L I got the usual frosty fob off letter saying no and final response all in one letter.

Hopefully they will settle this quickly for your friend.

pinknico

Finally had my Egg complaint passed to an adjudicator, this has taken about 7 months, so sooner than I thought. Will let you know outcome as and when.

Hello MAX hope you are ok . xxxxxxxxxxxxxxxxxxx

di3004

pinknico wrote: »

Finally had my Egg complaint passed to an adjudicator, this has taken about 7 months, so sooner than I thought. Will let you know outcome as and when.

Hello MAX hope you are ok . xxxxxxxxxxxxxxxxxxx

Brilliant, this is good news Pinknico, good luck and hope they resolve and pay out very soon.:beer:XXXX