PPI Reclaiming Discussion Part 5

thinster

Nasqueron wrote: »

however, as the mortgage was taken out before 2004 they were not regulated so your complaint is over.

Not sure where you get that from. The first payment record I have says 12/2004

Nasqueron

thinster wrote: »

Not sure where you get that from. The first payment record I have says 12/2004

Typo, 2005 is when regulation started


Besides which, the first payment is irrelevant, it's when you were sold the policy which was late 2004. Unfortunately even up to 13th January 2005 they were not covered, regulation started 14/1/2005

dunstonh

thinster wrote: »

Hi, my wife and I have found some old mortgage statements (2004 - 2006) when our mortgage was with Kensington Mortgages and sent them a PPI check request via email. They replied saying they could find no records of any accounts in our name even though I gave them the account number. What would be the next step please? Would going through Resolver be beneficial?



Thanks

Kensington didnt sell PPI. Their mortgages were put in place via mortgage brokers/advisers/estate agents.

Resolver would not be beneficial.

dufc001

Hello

Im not sure anyone can help. I have claimed for PPI from a Bank of Scotland credit card I had which goes back to 2001. I had a call from them last week to ask for some more details. During the call the advisor said that he had my original application form and I had signed the box saying i wanted PPI (or the equivilant at the time). He said he would investigate and would get back to me. Would I be correct in saying that since i signed up for it then i dont have a claim?

Thanks

Nasqueron

dufc001 wrote: »

Hello

Im not sure anyone can help. I have claimed for PPI from a Bank of Scotland credit card I had which goes back to 2001. I had a call from them last week to ask for some more details. During the call the advisor said that he had my original application form and I had signed the box saying i wanted PPI (or the equivilant at the time). He said he would investigate and would get back to me. Would I be correct in saying that since i signed up for it then i dont have a claim?

Thanks

No-one has a claim, you are making a complaint that you didn't want it. Certainly having a form where you ticked to say you wanted it counts against you yes but they will still need to check for eligibility and if it was right for you or not. With credit cards it's hard to claim you didn't know about it or want it when it was on every statement where you had a balance on the card and where you opted in to say you wanted it but you never know.

Working_on_MyTMMO

Hi - new to this thread and to PPI. Wonder if someone can advise - my husband took out a Bank of Scotland Contract Hire Agreement for a new van in 2004. No PPI seems to be mentioned, but how do we check if there was any PPI on this loan agreement?

Also, there was a GAP insurance policy agreement signed at the same time with Bank of Scotland's Capital Bank - could there be PPI on this, too - and how would we check this.

Third part - is Bank of Scotland now RBoS??:doh:

[Deleted User]

You would ask them.

Insurance wouldn't have PPI.

Nasqueron

Working_on_MyTMMO wrote: »

Hi - new to this thread and to PPI. Wonder if someone can advise - my husband took out a Bank of Scotland Contract Hire Agreement for a new van in 2004. No PPI seems to be mentioned, but how do we check if there was any PPI on this loan agreement?

Also, there was a GAP insurance policy agreement signed at the same time with Bank of Scotland's Capital Bank - could there be PPI on this, too - and how would we check this.

Third part - is Bank of Scotland now RBoS??:doh:

2004 - did he take the finance from BoS or from a dealer and BoS provided the finance? This is crucial, if it was sold by the dealer, BoS have no liability and the dealer can dismiss the complaint as pre-regulation. PPI was listed as a part of the deal, if it doesn't mention it, you didn't have it.


You cannot (in any normal circumstances) have PPI on an insurance product - PPI is there to cover payments on a loan, if you didn't pay they simply cancelled the cover. GAP was likely included in the finance anyway so irrelevant.

Fayzerman

Hi
I wonder if anyone has had the same issue, i sent my details to Clydesdale bank to check PPI, i even included a copy of the back and front of the actual store card, they have replied saying they cannot find any details despite this, any ideas of my next step?

[Deleted User]

Many people have had the same issue, but I don't see how that information will help you much.

You'll need to provide evidence of your PPI payments if they no longer have your account details.