PPI Reclaiming Help - Right at the beginning!

JDC14

I appreciate this may be a long read, so I would like to thank anyone in advance for reading/giving advice.

Gave mum a kick up the backside today with regards to claiming back her PPI.

Not sure where to begin, but this is the information we've managed to put together so far: (plastic bags filled with paper, no real filing system!)
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Boiler
· Paid on Finance through First National.
· Fixed Sum Loan Agreement (£2843.42 for a period of 120 months) on their “Flexible Finance Plan”
· Original itemised bill found, with no initial suggestion of PPI or similar.
· Relative paperwork also from GE Money (and various names, also associated with First National from first letter).
· Payments later may have been made to Link, who may have paid the debt, not confirmed.
Correspondence received from Cardif Pinnacle, A BNP Paribas Company, Letter sent in with regards to above First National finance plan. Letter confirming end of policy of insurance cover on a loan with GE Money; (Policy Number: XXXXXXXXX). Said policy expired 13/09/11, loan originally taken out in June 05. Letter came from Policy Services department and provided and 0870 number to ring.

Completely unaware of PPI, and wasn’t initially mentioned on itemised billing, therefore, claimable? Although no evidence of what sums were paid for PPI.
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Car
· Purchased new, on finance from local “Charters” dealership. Believe still in business.
· “Peugeot Protection Plan”, Provided cover for: Life, Disability & Redundancy/Business Failure. (Business Failure against employer, or higher rate charged for someone who owns a business? If so, missold)
· Commencement: 4th November 2005, 36 months. Initial payment £99, receipt retained. No evidence currently of future payments, but highly likely?

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Kitchen/ (MFI)
· MFI “Slate Card”, provided by Black Horse (Branch of Lloyds TSB?).
· Agreement Number: *XXXXXXXXXX*
· Paid off in full Jan 08
Does the fact that they've (MFI) gone bust write off any opportunity to claim money back?

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GE Money, Consumer Lending Limited Protected Payments
· Insurance Start Date: .09.2006
· Expiry Date: .09.2011
· Account Number: XXXXXXXXXX
· Monthly Benefit: £30.22 (5 year total = 1813.20)
· Premium (Incl. IPT): 219.36
· Total Advance: 1689.36
Letter retained from .1.08, regarding cancelling policy. Clearly, no action taken, however no response found.
Covered for: Disability, Life, Unemployment.
Life Cover Age Range: 18-59
GE Money Unsecured Loans booklet retained.

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Gutters
· Insurance, 10 year cover, £60/year.
· Ended: 20/12/07 (pressured into purchasing by pushy salesman, missold?)
· Not strictly PPI
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Black Horse
· Unsecured loan
· Missold PPI as told loan wouldn’t be accepted without it, although it was not necessary?
· Agreement Number: XXXXXXXX

· Commenced: .08.2008
· Total cash price: 636.84

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Black Horse 2
· Another unsecured loan
· Two default notices, dated same date, £24.81 + £141.90
· Loan Agreement/Insurance Agreement: XXXXXX
· Also charged “10 day collection activity fee” of £25
· Tried to apply same charge, via DD/Bank, 3 times claiming they believe it to be temporary issues but leaving no time for remedy. Responsible for resulting bank charges?
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That's all the information we managed to find so far. So if anyone can shed any light on what can/can't be claimed and how we should go about it?

Would prefer to avoid SAR's where possible, so we don't have to pay the £10 fee.

Thankyou,

highadmiral

I'll have a pop at these but more info is needed on most of them..

The boiler looks like it may have been a front loaded single premium policy with the ppi added to the loan.It looks as though the policy finished some years before the loan end date which is typical of these policies.If it was front loaded this is a good claim for this reason.

The car your initial complaint will be to the dealer.I believe car finance PPI is covered by the FOS from Jan 2005 so you are ok there.
The business failure cover will be for the self employed,but it doesn't mean that they indicated your mother was self employed or that the premium would be higher.You will be able to claim if you have a reason for mis sell,again perhaps it was single premium and added to the loan with interest,many car agreements are like this and its a good cause for complaint,
Also look at any pre exisiting medical conditions that would make your mum unable to make a claim or restrict the policy in some way,this applies to all PPI policies.

Kitchen,not sure what it happening with MFI claims,ring the FOS and ask.

GE Money,its not clear from the info given what this is and whether its attached to a loan,i assume it was.Again check for more info i think.

Gutters,this falls outside the scope of PPI and was presumably an extended warranty on the guttering.Take a case up with the company concerned in the sale,but they will ask why no complaint was made earlier i suspect.

The Black Horse loans,again these may well have been front loaded single premium which is bad and provable.Look on the paperwork for insurance added to the loan and interest applied.Complain to Black Horse giving the acct numbers.By all means add info regarding what you were told,but essentially that is non provable.The single premium element is provable and strong so make that the main complaint area if they are that type of policy.