On a DMP and a PPI-chaser? Support thread!

little_big_gazza

Hi everyone - this is my first EVER post.

I don't know if this is the right forum for this but it sort of fits in with what you are all saying (sort of)... I was on a DMP with Gregory Pennington and i have now cleared all my debts, i am now left with 3 defaults on my credit report from loan & CC companies.

Can i use the fact that they may have mis-sold me PPI and subsequently put me into difficulties as an argument to get the dafaults removed? to be honest - i would gladly let them keep whatever refunds they offer in exchange for removing the default notices? - is it worth pursuing?

Thank you for any advice...

LBG

wakeupcall

I have been on a DMP with the CCCS for nearly 10 years..
I requested my Credit agreements in Sept 10 as I have 3 still on my plan..
Tesco Bank agreed I was misold and would refund my PPI on receipt of my statements..I did not have any but did send them my CCCS statement and 3 letters in total they agreed to refund me by £389 it was taken off my outstanding balance and I sent the CCCS a copy of letter and they adjusted my Tesco balance.
The Clydesdale had no details at all and refunded me the £10 for the SAR..as they had sold the debt on...I did find one statement showing I had PPI and sent them that and my CCCS statement and they refunded me £382 ...it went straight to my outstanding balance and Marlin Financial Services adjusted my figures and I sent a copy to the CCCS ..
I am still waiting to hear from Bank of Scotland
It has not affected my DMP or my creditors and it has reduced my plan by 2 years :j



So good luck everyone

sofa_bean

Well... I didn't get around to looking for the paperwork as quickly as I should have done

But, the good news is, I did (eventually) find the original loan agreement with the details of the PPI on it

I've filled out the form and it is now on it's way to Lloyds TSB...

Will post again when/if I hear anything

sofa_bean

BlushingRose

I've asked Mr BR if he has any of the PPI info, or original paperwork, he says he's not sure and will look.
This was easily 2 weeks ago - I've only remembered now that I asked him about it. I shall have to nag him to look when he gets in.

little_big_gazza

Hi

I haven't actually found my credit card agreements, but i have found old statements which has the PPI payments on them... will this do to make a claim?

Thanks

LBG

wakeupcall

Yes

I could not find my agreements and send in copies of my credit card statements with the PPI questionaire and your reasons for missale.

I also found 2 credit card statements of my DH who said he never had any PPI and he got refunded from both of them.Virgin and Halifax...

hope this helps...

Good Luck

sickasachip13

Well, I personally have nothing to update. I've heard nothing from the creditors involved and am waiting impatiently.

But thanks WakeUpCall for dropping in and sharing your experiences - this is so good to know and gives me some extra motivation for dealing with this. And well done on your payouts.

Sofa-bean, that sounds promising :-)

And welcome little-big-gazza, it sounds like you can get the ball rolling with your statements. At least once you know what you could be entitled to, you can then seek further advice about how to handle things.

SAAC

sofa_bean

Received a standard "Thank you for contacting us about your complaint" letter from Lloyds during the week.

They "are now gathering information and documentation relevant to your complaint to help us assess it further"...

They say they "will respond to your complaint as soon as we can, and in any event within eight weeks from the date we received your complaint."

Back to the waiting game...

sofa_bean

sofa_bean

Well...what can I say...pretty gobsmacked right now... :j

Got home from work today to find a letter from Lloyds TSB waiting for me. Opened it up, expecting the worst...

But...they have ACCEPTED my claim :j

The PPI premiums paid on my loan were just over £2,000 and, with interest, they are going to refund me just over £4,000 :j :j

This refund works out at just over 40% of the remaining balance of our DMP and will bring our DFD forward by just over a year!!

Not sure how they will pay the refund - whether they will just knock the amount off what I still owe them (loan, OD and CC still adds up to around £5,500) or whether they will send a cheque and we will then pay it to CCCS - and how long all this will take... But the light at the end of the tunnel has just got that much brighter!

sofa_bean

Rochdale_Guy

sofa_bean wrote: »

Well...what can I say...pretty gobsmacked right now... :j

Got home from work today to find a letter from Lloyds TSB waiting for me. Opened it up, expecting the worst...

But...they have ACCEPTED my claim :j

The PPI premiums paid on my loan were just over £2,000 and, with interest, they are going to refund me just over £4,000 :j :j

This refund works out at just over 40% of the remaining balance of our DMP and will bring our DFD forward by just over a year!!

Not sure how they will pay the refund - whether they will just knock the amount off what I still owe them (loan, OD and CC still adds up to around £5,500) or whether they will send a cheque and we will then pay it to CCCS - and how long all this will take... But the light at the end of the tunnel has just got that much brighter!

sofa_bean

Wow sofa_bean,

That is a fantastic result, well done :j

I hope this thread soon fills up with many other success stories!

Rochdale_Guy

(now wishing he had taken out PPI on one of his many credit cards! )