My apologies for the long post I get all flustered filling in any forms.

prettypiglets

Hi Everyone

I have had many loans in the past (the lastest ones we did not have PPI) all with Barclays and thought about claiming the PPI but as I hadn't got any paper work I just didn't know where to start..

Couple of weeks ago I received a call from a company giving me information on a old load the amount of loan and how much I could get back etc. As I was on my way out I got their number and said I would call back. When I did the person I spoke to said it would have been a marketing company and if I had said yes to them on the phone then they would have transferred the call to the company I was on the phone to. She said they don't have the details as they would have had to get this off the marketing company.
I left it for a couple of days but it something kept nagging me to follow it up.

So I called Barclays and told the lady I would like to claim and she had all the info infront of her comfirming the loan went back to 2005. She filled in some info and and sent it to the claims dept. As I was at work I didn't get chance to write down all the details of the loan amount etc. I was going to go with the company as I don't have any paper work at all. So glad I didn't go considering they had the info there.

I have received a letter to saying to complete a Financial Ombudsman Service Questionnaire - there are 2 forms exactly the same with different reference numbers. I called them to say I didn't have the policy number of the payment protection insurance and she gave me a number to call which I did and they gave me the policy numbers. She also confirmed there were 2 loans and gave me the start and end dates of them.

I am trying to fill in these forms and some of the questions I cant remember
eg what was the loan for - the only reasons in the past I can recall would be to pay off an existing loan and have some extra for house improvements. Do I put what I think or that I cannot recall?

What is the current situation with this insurance
tick boxes saying a. insurance was cancelled early b. the insurance ended with the loan was paid off.
The dates of the insurance were 8.04.2005 to 20.07.2005 and 14.07.2005 to 11.04.2007 so I am not sure if we restructured the loan so the answer would be a. or b

How did you pay for this insurance
a. with a one-off single premium paid up front
b. with a premium paid each month

I seem to recall the wording single premium on loans agreement but cannot be 100% correct.

Did the insurance provide single or joint?

I cant remember.

Shall I put cannot recall for the questions I am not sure about or try and call the claims department and see if they can send copies of the loan agreement.

Hope this makes sense..

Many thanks for any replies it is greatly appreciated

Mandy

dilus

prettypiglets wrote: »

Hi Everyone

I have had many loans in the past (the lastest ones we did not have PPI) all with Barclays and thought about claiming the PPI but as I hadn't got any paper work I just didn't know where to start..

Couple of weeks ago I received a call from a company giving me information on a old load the amount of loan and how much I could get back etc. As I was on my way out I got their number and said I would call back. When I did the person I spoke to said it would have been a marketing company and if I had said yes to them on the phone then they would have transferred the call to the company I was on the phone to. She said they don't have the details as they would have had to get this off the marketing company.
I left it for a couple of days but it something kept nagging me to follow it up.

So I called Barclays and told the lady I would like to claim and she had all the info infront of her comfirming the loan went back to 2005. She filled in some info and and sent it to the claims dept. As I was at work I didn't get chance to write down all the details of the loan amount etc. I was going to go with the company as I don't have any paper work at all. So glad I didn't go considering they had the info there.

I have received a letter to saying to complete a Financial Ombudsman Service Questionnaire - there are 2 forms exactly the same with different reference numbers. I called them to say I didn't have the policy number of the payment protection insurance and she gave me a number to call which I did and they gave me the policy numbers. She also confirmed there were 2 loans and gave me the start and end dates of them.

I am trying to fill in these forms and some of the questions I cant remember
eg what was the loan for - the only reasons in the past I can recall would be to pay off an existing loan and have some extra for house improvements. Do I put what I think or that I cannot recall?

Put exactly that

What is the current situation with this insurance
tick boxes saying a. insurance was cancelled early b. the insurance ended with the loan was paid off.
The dates of the insurance were 8.04.2005 to 20.07.2005 and 14.07.2005 to 11.04.2007 so I am not sure if we restructured the loan so the answer would be a. or b

b

How did you pay for this insurance
a. with a one-off single premium paid up front
b. with a premium paid each month

I seem to recall the wording single premium on loans agreement but cannot be 100% correct.

Single premium, if this is correct you have a good reason for mis sell

Did the insurance provide single or joint?

I cant remember.

Put single, they will soon tell you different if it wasn't

Shall I put cannot recall for the questions I am not sure about or try and call the claims department and see if they can send copies of the loan agreement.

Hope this makes sense..

Many thanks for any replies it is greatly appreciated

Mandy

Added to above, good luck and keep us posted

prettypiglets

Many thanks for the reply I really do hate filling in forms get so stressed out with it :mad:

can i ask why would the single premium be a reason for mis sell? would I put that down as the reason why i an unhappy about the insurance. I was going to put I get think its 3 months full sick pay (need to check no changed with employee) as the reason why and as part of the form has tick boxes for partner was going to also put husband has 12 mnths (husband gonna check tonight whilst at work) and we also both get good redundancy pay if that ever happened. also it asks did you have other means of making repayments eg other ins policies - I do have life insurance what I would have cashed in if needs be to cover loan payments if anything would have happened.

sorry if it sounds all mixed up i keep reading the forms and just dont know how to start im like this with anything

dilus

prettypiglets wrote: »

Many thanks for the reply I really do hate filling in forms get so stressed out with it :mad:

can i ask why would the single premium be a reason for mis sell? would I put that down as the reason why i an unhappy about the insurance. I was going to put I get think its 3 months full sick pay (need to check no changed with employee) as the reason why and as part of the form has tick boxes for partner was going to also put husband has 12 mnths (husband gonna check tonight whilst at work) and we also both get good redundancy pay if that ever happened. also it asks did you have other means of making repayments eg other ins policies - I do have life insurance what I would have cashed in if needs be to cover loan payments if anything would have happened.

sorry if it sounds all mixed up i keep reading the forms and just dont know how to start im like this with anything

You only need one good reason for mis sell. Front loaded PPI in a NO NO as far as the FOS are concerned, it was a loan within a loan and you paid interest on it for the duration of the loan. If it was front loaded make sure they know it, good sickness benefits at work help but were you asked at the time what your working situation was and exactly what means you had to pay the loan if the worst was to happen, even if it was a family member that could back you up, were you aware that you were signed up for PPI at the time of taking out the loan.

prettypiglets

Just wanted to say a big thanks to Dilus for your help with me claiming for my PPI. They paid the compensation in my account in the 6th January which was a nice surprise. Altogether for both loans they paid out £2600 which I have used to pay my credit cards off. ( well some of them - still chipping away at the others)..
Thanks again