ppi please help !!!!!!!!!!!!!!!

lovely_chelle

hi can anyone help please? a few years ago we took out a lg secured loan, i suffer with manic depression and this was explained to the adviser at red to black loans, in the years to follow my health got worse my husband lost his job and we had our home reposessed,from the sale of the house by the mortgage company a large amount was paid off the secured loan , just 19,000 left! we only pay token payments on all our debts as my hubby has still not found work, and cares for me now.
would we beable to claim the ppi back as i have been told that ppi ins does not cover suicide which obviously is a possibility with manic depression. many thanks for any help,chelle:T

di3004

lovely_chelle wrote: »

hi can anyone help please? a few years ago we took out a lg secured loan, i suffer with manic depression and this was explained to the adviser at red to black loans, in the years to follow my health got worse my husband lost his job and we had our home reposessed,from the sale of the house by the mortgage company a large amount was paid off the secured loan , just 19,000 left! we only pay token payments on all our debts as my hubby has still not found work, and cares for me now.
would we beable to claim the ppi back as i have been told that ppi ins does not cover suicide which obviously is a possibility with manic depression. many thanks for any help,chelle:T

Hello there
Sorry for the delay in getting back to you, I haven't long logged back in and came across this post.
Blimey I am so sorry to hear all this, with losing your home, and health problems as well.

The answer to this is yes you can reclaim the PPI, when you think of it, this was also and possibly part of the reason of your above situation, so hunni please go for this.
I know others reading this will agree as well.

You write to the ones who sold you the finance, and below is the link to help you through the guidelines of reclaiming.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance.
You will also come across a mis selling checklist, template letters and so on, you do not have to use the templates, but just as a guide with your own words and obviously your reasons, they have 8 weeks in full to respond, keep at them and post by recorded delivery, this is your proof of posting.
I have a feeling you going to be a winner here, and if they don't resolve this then I'm sure the FOS will.

Good luck and please post up for help anytime, and please keep us posted, cheers.;)

lovely_chelle

thank you so much for your reply, i'm full of tears as i write this, it s nice to feel someones on your side. i will keep you updated as i go through the process, many many thanks chelle xxxx

sc280672

Hi there, sorry I don't have any advice or help for you but after reading about the terrible situation you're in I just wanted to say I wish you the very best of luck x

lovely_chelle

hi, thank you so much for your kind words, i'm sure there are alot of people alot worse off than us, but comments like yours mean the world, thank you chelle xxx

di3004

lovely_chelle wrote: »

thank you so much for your reply, i'm full of tears as i write this, it s nice to feel someones on your side. i will keep you updated as i go through the process, many many thanks chelle xxxx

With pleasure Chelle.:A
You will get through this, and are here for you anytime, you will never be alone.;)
Look forward to hearing from you.
Di
XXX

donotpassgo_2

Hi Chelle, sometimes we feel overwhelmed and no where to turn when dealing with our life situations, I think you have already experienced the warmth, advice and support you will receive form this site. Hoping that this claim will have a great outcome for you "keep posting" (heard me saying that in a Strictly Come dancing Stylee).

di3004

donotpassgo wrote: »

Hi Chelle, sometimes we feel overwhelmed and no where to turn when dealing with our life situations, I think you have already experienced the warmth, advice and support you will receive form this site. Hoping that this claim will have a great outcome for you "keep posting" (heard me saying that in a Strictly Come dancing Stylee).

What a lovely post.:A;)XX

pinknico

You're in safe hands with Di lovely_chelle, hope you have a quick success.x

lovely_chelle

hi everyone, just to say i have printed the letter off, and its winging its way to GE Home Finance Ltd now, i dont hold out much hope, but i have tried, thank you again to you all for your support, love chelle and family xxx

marshallka

lovely_chelle wrote: »

hi everyone, just to say i have printed the letter off, and its winging its way to GE Home Finance Ltd now, i dont hold out much hope, but i have tried, thank you again to you all for your support, love chelle and family xxx

Good luck chelle, keep us posted.;)