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Not sure how to proceed with 3 separate PPI Claims
BBTHREE
Posts: 687 Forumite
Hi All
To summarise my predicament... I have no paperwork whatsoever (it has all been destroyed in a house flood) so thats my major stubbling block, and I am unsure if any of these 3 claims are valid so any advise appreciated. Thanks.
Potential Claim 1 - 2 x Barclayloan
I have been a Barclays current account customer since 1990 and I am still am.
In 2001 I contacted Barclays about something else and in that conversation the sales advisor told me that I has been pre approved for a loan up to 8K. So stupidly, I borrowed 4K and it was pretty much all agreed over the phone and they just made an appointment for me nip round to my local Barclays bank to sign the paperwork, and then the money was paid into my bank account. I am 99.9% certain that this had PPI on it, but it was certainly never discussed or agreed, I just signed what they put in front of me. Stupid I know.
About 3 years in this 4 year loan, I got another Barclayloan which paid off the 1st Barclayloan and gave me an amount on top which was paid into my bank account. This time I had specifically rang Barclays to apply for this loan. It was again agreed over the phone, then paperwork signed at local branch. Again I am 99.9% certain that this had PPI on it, but it was certainly never discussed or agreed, I just signed what they put in front of me.
Based on what I have read on here I intend to start by ringing Barclays Insurance in Dublin to confirm 100% that I had PPI on both of these. Is this the best thing to do, and if I do have PPI on both then is it two separate claims?
Potential Claim 2 - Barclaycard
I was on maternity leave in 1999 and towards the end of it money was really tight and so I had an appointment in my branch to arrange an overdraft. I did arrange this, and whilst there was also offered a Barclaycard, the main selling point of which was you got a free mobile phone with it. (Late 90s = it looked like a brick).
This Barclaycard was paid off and cancelled within about two years and I honestly have no idea if this had PPI on it or not, but it was certainly never discused with me. Is this also something that Barclays Insurance in Dublin can confirm?
Potential Claim 3 - G E Money
This is the most complicated of all, because I have already had a crack at sorting this one, but this was prior to the PPI rule changes. In 2003 we took out a 25K secured loan, which was agreed face to face with a sales advisor in our home, with our friend as a witness to our signatures etc.
In 2006 I wanted to get rid of G E Money once and for all, and asked for a written settlement figure. I received 2 settlement figures, 1 for the loan amount, and 1 for a PPI amount (£1800 approx) which I knew nothing about. I paid these (so that I could discharge this account) but immediately queried the PPI as I had never requested it or agreed to it.
I obtained a copy of the loan agreement and PPI was ticked, but we 100% never ticked it and it was not discussed at all. It was ticked in the same felt tip like pen that the advisor had filled the loan agreement in, rather than the normal pen that we had signed with.
Anyway, a few letters went back and forth and basically after lots of fobbing off and a few months wasted they said because the PPI was cancelled within 54 months (or something like that) I would get a particial PPI refund and gave me £300 approx back.
I wrote back immediately and said I was accepting this purely as a partical refund and not a final settlement, and I am still persuing the unlawful PPI as we had never been aware of it, there were no medical conversations etc, and it only came to light when I tried to pay off my loan account.
G E Money weren't interested and their customer service (or lack of it) was disgusting. They wanted me to pursue it through a court or go away, and I hadnt got the bravery to to take them to court so I gave up.
It is over 6 years since I took out the secured loan and so I thought that this was too late but I am now having 2nd thoughts, and wondering if I can persume them again, and if I do persue them again can they argue that the partical refund was the final payout?
Of all the things I regret, I have to say that bottling out of taking on G E Money when they were so obnoxious is definately high on my list.
Sorry this is so long winded, and I am sorry that I am so vague on amounts etc. I am extremely meticulous about storing paperwork, but it all got destroyed. :mad:
Most of the the letters that I sent to G E Money at the time I can probably get from an old dongle, but everything that G E Money sent to me is destroyed.
Any advice of any of these 3 claims is very welcome, and apologies if maybe I should have posted in 3 separate posts.
To summarise my predicament... I have no paperwork whatsoever (it has all been destroyed in a house flood) so thats my major stubbling block, and I am unsure if any of these 3 claims are valid so any advise appreciated. Thanks.
Potential Claim 1 - 2 x Barclayloan
I have been a Barclays current account customer since 1990 and I am still am.
In 2001 I contacted Barclays about something else and in that conversation the sales advisor told me that I has been pre approved for a loan up to 8K. So stupidly, I borrowed 4K and it was pretty much all agreed over the phone and they just made an appointment for me nip round to my local Barclays bank to sign the paperwork, and then the money was paid into my bank account. I am 99.9% certain that this had PPI on it, but it was certainly never discussed or agreed, I just signed what they put in front of me. Stupid I know.
About 3 years in this 4 year loan, I got another Barclayloan which paid off the 1st Barclayloan and gave me an amount on top which was paid into my bank account. This time I had specifically rang Barclays to apply for this loan. It was again agreed over the phone, then paperwork signed at local branch. Again I am 99.9% certain that this had PPI on it, but it was certainly never discussed or agreed, I just signed what they put in front of me.
Based on what I have read on here I intend to start by ringing Barclays Insurance in Dublin to confirm 100% that I had PPI on both of these. Is this the best thing to do, and if I do have PPI on both then is it two separate claims?
Potential Claim 2 - Barclaycard
I was on maternity leave in 1999 and towards the end of it money was really tight and so I had an appointment in my branch to arrange an overdraft. I did arrange this, and whilst there was also offered a Barclaycard, the main selling point of which was you got a free mobile phone with it. (Late 90s = it looked like a brick).
This Barclaycard was paid off and cancelled within about two years and I honestly have no idea if this had PPI on it or not, but it was certainly never discused with me. Is this also something that Barclays Insurance in Dublin can confirm?
Potential Claim 3 - G E Money
This is the most complicated of all, because I have already had a crack at sorting this one, but this was prior to the PPI rule changes. In 2003 we took out a 25K secured loan, which was agreed face to face with a sales advisor in our home, with our friend as a witness to our signatures etc.
In 2006 I wanted to get rid of G E Money once and for all, and asked for a written settlement figure. I received 2 settlement figures, 1 for the loan amount, and 1 for a PPI amount (£1800 approx) which I knew nothing about. I paid these (so that I could discharge this account) but immediately queried the PPI as I had never requested it or agreed to it.
I obtained a copy of the loan agreement and PPI was ticked, but we 100% never ticked it and it was not discussed at all. It was ticked in the same felt tip like pen that the advisor had filled the loan agreement in, rather than the normal pen that we had signed with.
Anyway, a few letters went back and forth and basically after lots of fobbing off and a few months wasted they said because the PPI was cancelled within 54 months (or something like that) I would get a particial PPI refund and gave me £300 approx back.
I wrote back immediately and said I was accepting this purely as a partical refund and not a final settlement, and I am still persuing the unlawful PPI as we had never been aware of it, there were no medical conversations etc, and it only came to light when I tried to pay off my loan account.
G E Money weren't interested and their customer service (or lack of it) was disgusting. They wanted me to pursue it through a court or go away, and I hadnt got the bravery to to take them to court so I gave up.
It is over 6 years since I took out the secured loan and so I thought that this was too late but I am now having 2nd thoughts, and wondering if I can persume them again, and if I do persue them again can they argue that the partical refund was the final payout?
Of all the things I regret, I have to say that bottling out of taking on G E Money when they were so obnoxious is definately high on my list.
Sorry this is so long winded, and I am sorry that I am so vague on amounts etc. I am extremely meticulous about storing paperwork, but it all got destroyed. :mad:
Most of the the letters that I sent to G E Money at the time I can probably get from an old dongle, but everything that G E Money sent to me is destroyed.
Any advice of any of these 3 claims is very welcome, and apologies if maybe I should have posted in 3 separate posts.
Aims for 2014
Drink a glass of water a day, Empty handbag at least once a week, Continue "not putting things off" and tackle things head on, Treasure people around me, Stay healthy and well away from hospitals, Continue to declutter/decorate house slowly and not get stressed because I can't do everything at once.
Drink a glass of water a day, Empty handbag at least once a week, Continue "not putting things off" and tackle things head on, Treasure people around me, Stay healthy and well away from hospitals, Continue to declutter/decorate house slowly and not get stressed because I can't do everything at once.
0
Comments
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Sorry to bump.
Just had a thought, although my secured loan was with G E Money and it was them that unknowingly added PPI onto it, the actual loan request was done through Purple loans.
I am not sure if I should have wrote to Purple Loans rather than G E Money at the time of my original complaint re PPI. Should be claiming through them now?
ThanksAims for 2014
Drink a glass of water a day, Empty handbag at least once a week, Continue "not putting things off" and tackle things head on, Treasure people around me, Stay healthy and well away from hospitals, Continue to declutter/decorate house slowly and not get stressed because I can't do everything at once.0 -
With the year of this loan you need to find out who the insurer was and put a claim in for mis sell to them,if they come back and say"no" then FOS can deal with this.
Put a complaint into Ge money (they took over purple loans)too,use the same reasons and see what they come back with also.
This is frontloaded ppi and that is what you put in the complaint,this is in effect another loan on the loan and is paid back over term with interest.0 -
With the year of this loan you need to find out who the insurer was and put a claim in for mis sell to them,if they come back and say"no" then FOS can deal with this.
Put a complaint into Ge money (they took over purple loans)too,use the same reasons and see what they come back with also.
This is frontloaded ppi and that is what you put in the complaint,this is in effect another loan on the loan and is paid back over term with interest.
Thanks Amersall. Since I posted this I have found a little bit of paperwork and have a copy of the loan agreement, and a copy of their "get lost, its your fault as you signed it" reply.
I am going to go for it and submit the official complaint questionaire and will quote that its a frontloaded PPI.
Thanks for your help. Will post how I get on.Aims for 2014
Drink a glass of water a day, Empty handbag at least once a week, Continue "not putting things off" and tackle things head on, Treasure people around me, Stay healthy and well away from hospitals, Continue to declutter/decorate house slowly and not get stressed because I can't do everything at once.0 -
Barclay loans,contact them and ask if they have any loan details for you,if they say no then ring the insurance and if they give you the ppi numbers,then contact Barclays and put claims in.
Look here for reasons for mis sell.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step20 -
With the credit card,you could ask the insurer,but as this was closed a long time ago,i dont hold out much hope.0
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Good luck x.0
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