PPI Reclaiming Discussion part 4

emperess

Hello all,

Im brand new on here so excuse me if this is already covered.

I have already claimed back PPI on my two credit cards with one of those companies that charge.

I was wondering if you can claim back PPI on catalogue accounts,I was pressured into taking it on I think it was called Account Cover Plus which is virtually the same thing- anybody done this before? Any advice would be very halpful thank you

marshallka

emperess wrote: »

Hello all,

Im brand new on here so excuse me if this is already covered.

I have already claimed back PPI on my two credit cards with one of those companies that charge.

I was wondering if you can claim back PPI on catalogue accounts,I was pressured into taking it on I think it was called Account Cover Plus which is virtually the same thing- anybody done this before? Any advice would be very halpful thank you

People have done and without using a company too BUT it is dependant on the year this was actually applied onto your account really as if pre 2005 then FOS cannot look into some of these types. This does not mean you cannot complain about this and take it from there though.

If you take a look at the reclaim section here
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

It will give you an idea of how to go about it. There is also a template letter there but its always best to do your own with your own words and reasons. ALways send correspondence recorded delivery.You then give the company 8 weeks for a full and final response.

Good luck

kellylouise001

rosemahairy wrote: »

Just noticed pinknicos post. Marbles are owned by HFC bank. hmmmm not sure why you have a letter from halifax then must be something else that. good news though i have had success claiming ppi from HFC bank too they settled as a 'goodwill' gesture after i complained about them to the FO. HFC are like RBS they have an agreement with the FO where they are settling without going as far as an adjudicator (good for the little people) still takes few month though. My reasoning behind it is that they are avoiding further investigation and fines?? Make sure u check the refund amount is right i wouldnt trust them to get it right especially the statutory interest award

Hiya,

I want to write to Aqua to try to claim back the PPI i never asked for! Cheeky beggars! Just wondered who you wrote to as i know they are regulated by Halifax? Do you have an address at all? Thanks for your help in advance.

Kelly

marshallka

kellylouise001 wrote: »

Hiya,

I want to write to Aqua to try to claim back the PPI i never asked for! Cheeky beggars! Just wondered who you wrote to as i know they are regulated by Halifax? Do you have an address at all? Thanks for your help in advance.

Kelly

Are you sure this is Halifax and not Bank of scotland. They have so many companies so do you have an exact company reg number or FSA registration number. It would be on any correspondence from them?

gareth1973

hi, can anyone help please? today i received a letter from HFC agreeing to refund me my PPI. its been with the FO for 20 months so i suprised its actually happened. they have told me they are going to knock it off what i owe them which is just over £10k. i am behind in payments but have agreed a repayment plan and have stuck to it. can they do this or have i any chance of receiving the money personally?
would appreciate any help.
gareth1973

di3004

gareth1973 wrote: »

hi, can anyone help please? today i received a letter from HFC agreeing to refund me my PPI. its been with the FO for 20 months so i suprised its actually happened. they have told me they are going to knock it off what i owe them which is just over £10k. i am behind in payments but have agreed a repayment plan and have stuck to it. can they do this or have i any chance of receiving the money personally?
would appreciate any help.
gareth1973

Hi Gareth and welcome.;)

Unfortunately they can do this, but if you not in arrears, even though you still have an active loan, you can ask if they are willing to consider refunding this directly to you.
If the FOS have been dealing with this, then contact them to ask them, and if you no arrears, then let the FOS know.
Tell them you have been out of pocket due to this and feel its only fair that they compensate this directly to you, where you should have a choice of how you want to spend this, it may be worth a try.
Give it a go, good luck.;)

garyUK_2

starxtrouble wrote: »

Thanks Gary

What was your outcome?

It was really good. I had 3 loans with Egg. I claimed on 2 of them in 1 letter. It was 18-21 days after posting, they sent me a cheque for both - I was well impressed. I then decided to claim against the 3rd loan, but this is proving harder. Now writing to the FOS this week. This 3rd one was my first with egg and was taken out online. The 2 they settled within three weeks was done over the phone.
Good luck with yours

marshallka

di3004 wrote: »

Hi Gareth and welcome.;)

Unfortunately they can do this, but if you not in arrears, even though you still have an active loan, you can ask if they are willing to consider refunding this directly to you.
If the FOS have been dealing with this, then contact them to ask them, and if you no arrears, then let the FOS know.
Tell them you have been out of pocket due to this and feel its only fair that they compensate this directly to you, where you should have a choice of how you want to spend this, it may be worth a try.
Give it a go, good luck.;)

When firms make a redress they are redressing PPI from an agreement that was wrong in the first place due to PPI and we want them to redress us by cheque as it is THEM at fault in the agreement. When the person who owes them money is at fault then I think they would be well within their rights (even if a payment plan has been drawn up??) to make the redress to the loan (or at least the amount that the loan is in arrears by if the PPI had not been added).

I would class payment plans as arrears as you have not kept up with the original repayments so most probably classed the same. I bet most people on payment plans have actually been in arrears before going onto them. BUT then again, would you be in arrears if the PPI had not been added? I think they shoud look into the amount of arrears and then make the decisions like that.

Be interesting to see the outcome here though.

Jman316

Hi, Im new to this so please bare with me.
I had taken ppi and now trying to reclaim. But i have lost my paperwork. I was with HFC bank. I have been calling them for them the past few weeks to get copies for my loans but this has resulted in nothing.

I would like to add that the loans have been paid off now!

What should i do?

Jman316

Sorry i forgot to add that the initial loan was taken out in 1999. The second one a few years after that. The third one was taken a few years after consolidating the other two. I paid the loan off in 2007ish.

Do i have a case?