Out of time?

thewiganman

I had 3 credit cards and 2 loans with PPi on them but i couldnt afford the payments and in sept 2004 i started a dmp with cccs, would i still be able to claim? I also remember going in to barclays at one point and speaking to a personal banker about the insurance on my loan and asking if i could cancel it but he told me that it was paid upfront so basically ANOTHER loan that was added to my original loan and therefore i couldnt cancel.

thewiganman

so am i too late?

DrSqueeze

There's nothing to prevent you making a complaint, depending how much information you can recall about the sale of the PPI and why you feel it was mis-sold to you.

If you did get a refund but still owed money to the lender, it would probably be deducted from the balance rather than being paid to you.

thewiganman

quite happy for it to be used to reduce my balance

DrSqueeze

thewiganman wrote: »

quite happy for it to be used to reduce my balance

Be careful if you choose to use a claims company.

Suppose you were awarded £1000, and the lender reduced your balance by that figure.

The claims company would then send you a bill for, say, £360.

amersall

Ditto, do it yourself, or give it to me and i will post the claim for you for 0% :rotfl::p that is all it takes.