Black Horse help

Joannie51

I had a joint loan with OH (he self employed) for £7000.00 with payment protection added of £1502.12.

Loan 7000.00 60 months Total amount payable £8550.00
PPI 1502.12 60 months Total amount payable 1811.40

Will I be able to reclaim the ppi.
Thanks

The_Marksman

Joannie51 wrote: »

I had a joint loan with OH (he self employed) for £7000.00 with payment protection added of £1502.12.

Loan 7000.00 60 months Total amount payable £8550.00
PPI 1502.12 60 months Total amount payable 1811.40

Will I be able to reclaim the ppi.
Thanks

yes if you feel it was mis-sold then YES

You can start a complaint if you have your account number. Its easy to do yourself, so i would avoid a claims company.

You can do the complaint over the phone or via letter form, its up to you

to get you started, Look here for info and reasons for being miss-sold your ppi, Most ppi's were front loaded which is a big NO NO so go for it!

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2

Once you have had a read though and have your reasons. You will need to fill in a consumer complaints questionnaire. Which I would download, have a read though and familiarise yourself with the questionnaire and its layout. The questionnaire can be found here

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

the main info you will need to complete the questionnaire is:

• Loan account number/numbers OR CC account number/ numbers
• start date
• finish date
• and your reasons

also have a read here for even more information:

http://www.financial-ombudsman.org.u...PPI-forms.html

Info for Lloyds:

http://www.lloydstsb.com/payment_pro...complaints.asp

then complete the form and send it off. If you ring your bank or CC company they may have a ppi complaint line and can start your complaint for you over the phone but id get as much info ready before phoning them. If you start a complaint over the phone, they will ask the reasons why you felt mis-sold so have all the information ready and be prepared.

simples, hope that may help, good luck

Joannie51

thanks marksman. The reason I have for mis sel is my husband being self employed (which they knew) and were told we had to have PPI

The_Marksman

Joannie51 wrote: »

thanks marksman. The reason I have for mis sel is my husband being self employed (which they knew) and were told we had to have PPI

good enough reason to me plus it was front loaded no doubt :mad:
so get them forms filled in and sent off best of luck