PPI Reclaiming Discussion Part 5

amersall

wool1965 wrote: »

hi
totaly confused about ppi. i am paying 3 debts with creditors . how do i find out if ppi is on these debts ?

It should be on the agreements for loans and on a Credit Card statement if it is a CC.

if you do not have this info, who are the banks and when were these taken out?.

amersall

welshdave1601 wrote: »

Hi All, I'm very new to this so please forgive me if this isn't the right place.

I had a vanquis card for about 2 and a half years, I have quite a large balance on it and have realised that I am also paying for a repayment protection scheme. If I'm honest it was only when I checked after doing some investigation that I realised that this was adding to my account and quite a lot at that. So my question is has anyone had any success claiming against Vanquis, I can't seem to find any? Can I still claim if I have an outstanding balance and if so if the claim doesn't cover the balance can they make life dificult by reclaiming the amount outstanding?

Trying to get on an even keel as would like to start a family.

Thanks for reading

Dave

If you have reasons for mis sell
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2

Put a claim in, you only need reasons and the card number.

Vanquis Visa Card
Customer Service, P.O. Box 399, CHATHAM ME4 4WQ
0871 770 5555

amersall

Tasape wrote: »

hi we took ppi out as we were tol to get the mortgage amount we had to have it it was done thro a n agent who came to our house and worked for home bank,the critical illness cover etc was with scottish provident

who do i write and send my c laim to please

You need to post this here.

http://forums.moneysavingexpert.com/forumdisplay.php?f=187

You will get the right advice there as they know their stuff when it comes to MPPI.

amersall

hartcjhart wrote: »

I had a large loan (75k)apx 8 years ago that was secured against my old house and was told I needed this insurance,
I lived abroad for a few years and now live in a different area,
can I find out who I had the loan with as I cannot remember??

This is tricky!.
Do you have only old bank statements or any info regarding this loan?, you could contact the bank you had when you were here, they may be able to help.

amersall

waddy80 wrote: »

Bit of advice from the experts please.

I'm about to submit a claim to Tesco re a credit card I took out in 2000 by post. I have obtained a copy of my original application, and I did tick the box (I was young and naive). All the form says is cardholder payment protection is designed to protect your Tesco visa card payments in the event of death, accident, sickness or involuntary unemployment. We strongly reccommend you take this cover. For cover just tick the box.

I think that this constitutes a mis-sell as they had not assessed my needs. How can they reccommend without an assessment? At the time I was on a zero hour contract, so would not have been able to claim on unemployment and already had some life cover. I was also living at home with little outgoings. So does this sound like a good case?

I cancelled the ppi in 2005 when I became a lot more financially aware, will this go against me?

Look here for reasons for mis sell
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2

Any/all apply to you then put a claim in, the card number is the account number.
Also the reasons you state above.
http://www.tescobank.com/personal/finance/help/complaints.html

amersall

Drako69 wrote: »

Hello all,
I checked my credit file to see if i could find a account number for a black horse loan but was unsuccessful so i made notes of the dates. The loan ended in October 2006, I called black horse and presented them with the details and requested the account number. The very nice lady on the other end checked on her computer and said there was no information on this loan. She checked the address and also a previous address but still no luck. Surely they should have this info as it is less than 6 yrs since the loan finnished. Is this just a stalling tactic ? Has anyone else experienced this problem.:(

Regards

As the loan was paid off in 2006, you need to do a Sar, this is not a stalling tactic they will not find this loan as it will have been archived.

https://forums.moneysavingexpert.com/discussion/1475553

Enclose £10 and give them 40 days to respond, put as much info as you can and the last 4 digits you have.

Alternatively, to get the account number you could contact your bank, ask them if they have the DD info still, this is a long shot but you will not know unless you try.

amersall

rihsabramo wrote: »

So I have done a check and I have taken 2 loans, one in 2006 and one in 2010. Also 3 credit cards.

Both loans were with HSBC, the credit cards, one was a Mastercard - the credit check doesn't say who it was with? One other credit card I still have was from HSBC, I believe I had PPI on this one previously and another current credit card I have with Capital One (May have had PPI on this at some point too).

So as I do not have any of the original paperwork how do I find out if I took out a PPI?

Thanks

Send a letter asking for copies of the agreements, enclose £1 for each one.
do a Sar to each if this fails.
https://forums.moneysavingexpert.com/discussion/1475553

This will give you all the info you need.

Don't know what you could do with the Mastercard one, sorry.

Kuffs1978

Spoke to the FSCS earlier. Again, a total waste of time. We're not prepared to waste another second of our lives with this crap anymore. I checked the loan agreement and it clearly states that upon full repayment the loan will have cost £13,259. We've already paid £13,020 and will make another £500 of payments. If the f***ers want anymore they are going to have to sue us.

amersall

Gemster1982 wrote: »

Hi Thanks you again for your help...Didn't actually mean a claims company they ain't gettin none of my dosh haha... Rip off big time. I just ment a company I can write to with Northern Rock no longer been in the picture..
I have printed off the forms to fill out so will get on with trying to Claw some of it back. God know's with a new baby would be a massive bonus..... I will be back for help on the next step and an update ))) Massive Massive thanks for all your help )

If the loan is finished you need to do the complaint to NR.
0845 603 9913*
Customer Relations
Northern Rock House
Newcastle upon Tyne
NE3 4PL
By e-mail to: Customerrelations@northernrock.co.uk
Explain that this loan was not passed over to NRAM and who you make the complaint to.

If the loan is still running and was passed over, you need to contact these.

NRAM customer relations ppi team
po box68596
london
ec2p 2la
CustomerRelations@n-ram.co.uk

incesticde

I have raised a PPI complaint with three companies : Natwest, MBNA and the Coop

Letters were sent : 14/02

Acknowledgement from MBNA and Coop after nine days

So far I have heard anything from Natwest, phoned them today as apparently as of yet I am not on the system...

Does anyone know how long it takes Natwest (HBOS?) to acknowledge a complaint?

Timescales for claims for all three would be nice as well

Many thanks

I