reclaiming ppi charges -beginners help

rollover

hi folks

New to this , i'm afraid .

Am I right , that step one is to contact the lender/insurer to determine the charges incurred thus far and to cancel the cover?

On receiving that information (hopefully) , lodging a claim using the Q&A form which is linked on the main page of the site?

I guess , I am looking for the most simple step by step guide out there.

thanks in advance

rollover

di3004

rollover wrote: »

hi folks

New to this , i'm afraid .

Am I right , that step one is to contact the lender/insurer to determine the charges incurred thus far and to cancel the cover?

On receiving that information (hopefully) , lodging a claim using the Q&A form which is linked on the main page of the site?

I guess , I am looking for the most simple step by step guide out there.

thanks in advance

rollover

Hi and welcome

What you do is pursue through the ones who set this up for you, so the seller then, they have 8 weeks in full to respond.

Follow the guidelines as you have already noted, and go from Stage one of the FOS Questionnaire, keep completed copies as well in case you need to refer to it later on.

You can cancel in writing as well shove the cancellation letter in the same envelope, just request they do this immediately, and to refer to the questionnaire in regards of your PPI complaint.

Post within the post office for proof of posting, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

rollover

Thanks for responding ,

Looking through the questionaire , a concern would be remembering dates and actual method of signing up (rbs credit card).It has been a good number of years , I'm afraid.

The main point , i feel , would be the unsuitability of the cover , in that being unable to work through ill-health/injury Iwould have been paid by my employer . I am thinking that I would have been unable make a claim . Does that make sense?

Apologies , for labouring on this . All help and advice is most welcome .

di3004

rollover wrote: »

Thanks for responding ,

Looking through the questionaire , a concern would be remembering dates and actual method of signing up (rbs credit card).It has been a good number of years , I'm afraid.

The main point , i feel , would be the unsuitability of the cover , in that being unable to work through ill-health/injury Iwould have been paid by my employer . I am thinking that I would have been unable make a claim . Does that make sense?

Apologies , for labouring on this . All help and advice is most welcome .

Hi there

That is okay.
Just complete to the best of your knowledge.

You could write a cover letter to enclose with the questionnaire if you want to, to explain the situation on the dates etc.;)

rollover

cheers , nothing ventured-nothing gained and all that

di3004

rollover wrote: »

cheers , nothing ventured-nothing gained and all that

That is so true lol, good luck.

rollover

OK , two questionaires filled out and sent , one to RBS the other to MBNA . A bit sketchy on information , dates etc. It's a start , we'll see how it goes. Thanks again for the help and encouragement.

di3004

rollover wrote: »

OK , two questionaires filled out and sent , one to RBS the other to MBNA . A bit sketchy on information , dates etc. It's a start , we'll see how it goes. Thanks again for the help and encouragement.

Well done :T:j, and fingers crossed.;)

halphy

Good Luck, i sent mine a few days ago. Fingers crossed!

rollover

halphy wrote: »

Good Luck, i sent mine a few days ago. Fingers crossed!

Cheers , all the best .:beer:

rollover

Update . Both RBS and MBNA have been in touch , investigations incomplete they are looking at another 4 weeks. Dont know if "no news is good news":D