PPI Reclaiming Discussion Part 5

moneyangel22

Hi everyone,

Has anyone emailed a PPI claim to Capital One?

I tries twice but they havent acknowledged it! Just wondering if I should post it now and if they have actually received my email but are not very good at responding? I dont want to think I have wasted a couple of weeks waiting for them to reply to my email!!

Thanks

lamarsi

DDave wrote: »

:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A
Amersall this is just unreal today 24 hours after my first plus win received an acceptance of liability from egg and a letter to confirm cheques in post of £8300. This has changed our lives last month (keeping to all debt management plan) we were down to our last 74p !!!Life changing thanks again and again !!!!!!!!

OMG this is fantastic :beer::j:j

yvonne50

Sorry I am new to site and want to ask a question about PPI.

My question is ...

Is it correct you only need one PPI and that will cover any mortgage, card or loans you may have?

Sorry if this is not the correct place to ask.

Yvonne50

pebbles16

di3004 wrote: »

Hi there

May I ask what year you taken out the loan?
If this was taken out as from 14th Jan 2005 and the company/broker who sold you the loan dissolved, you should be able to go the FSCS avenue, you ring them and ask if the business are listed with them and yet I am sure they are.

They will then arrange to send you out a claim form within a few weeks, you complete the form and enclose copies only of any relevant information you may have, such as a copy of the loan agreement, application form.
Even if they were lenders paperwork you can send them, because they will be aware of the relationship of the broker to the lender.

If your loan was sold prior to the above date, the FOS usually suggest the underwriter/insurer avenue, if you do not know who these were the lender will send you a copy of the payment protection insurance policy booklet on request in the post.

If this fails where they reject your complaint, the FOS may be able to take the case on if the underwriter/insurer were regulated by FSA/GISC etc and check to see what involvement these had with the broker/lender of when the policy was sold to you.

Hope this info helps, good luck.

Hi Di3004,
Thank you for your quick response earlier today and I think I may have hit the jackpot (well i hope). The loan was taken out in Sept 2001, but PPI commenced 11/10/2001 & was due to expire on 2/10/2006. PPI amount was £2776.11. I have a schedule & certificate of insurance & on bottom it states:-

'This certificate is underwritten by:CGNU Life Assurance Ltd, Head & Registered Office - 2 Rougier Street, York, YO90 1UU Company Registered No.226742.
CGU Underwriting Ltd, Head & Registered Office - St.Helens, 1 Undershaft, London, EC3P 3DQ
Company Registered No. 94405
Date - 1st January 1999'

And I believe from checking that CGNU on FSA Register these were 'No Longer authorised' on/after 6/10/2010 and that the FSA imposed a £1.26m financial penalty with them on 17/12/2007 as it breached principle 3 (by failing to take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems. Norwich Union Life did not take reasonable care to establish and maintain effective systems and controls for countering the risks that the firm might be used to further financial crime, specifically the risks relating to the security of confidential customer information and the consequential risk of the surrender of customer policies to third parties impersonating its customers)!!

Please could you advise me on where I need to go next as I've finally got the bullet in the teeth after all these years of trying and appreciate your help.

Thanks:A

cappo

yvonne50 wrote: »

Sorry I am new to site and want to ask a question about PPI.

My question is ...

Is it correct you only need one PPI and that will cover any mortgage, card or loans you may have?

Sorry if this is not the correct place to ask.

Yvonne50

Hi yvonne a stand alone policy (not a ppi) should ideally cover you for any of your outgoings but if a lender sold you ppi to cover a specific loan, mortgage etc that is all it would cover and most of the time not for the full term either.

cappo

moneyangel22 wrote: »

Hi everyone,

Has anyone emailed a PPI claim to Capital One?

I tries twice but they havent acknowledged it! Just wondering if I should post it now and if they have actually received my email but are not very good at responding? I dont want to think I have wasted a couple of weeks waiting for them to reply to my email!!

Thanks

Hi angel send them what you have (keep copies) by recorded delivery there just being stubborn now.

cappo

cb2490 wrote: »

Hi there,

I'm hoping someone can answer a few questions before I look at claiming for PPI.

It's for a store card (first GE Capital then Santander) opened October 1990. The card was opened in store (through Evans) but wasn't made aware of how much I would be paying or anything like that. I'm also not sure because my work would supply sick pay whether it was even necessary? I was definitely told though that PPI was required to take out the store card.

I only have statements back to 2009 but show that for every £100 outstanding, I was paying "account cover" of £1.50. I know the balance was as high as £4500 at one point so ... :eek: I assume the monthly cost would mean there was no lump sum at the start either??

I've had a look at the site and filled out the questionnaire but do I need to send for the agreement first even though I have statements showing it was there?? If not do I just send the questionnaire with an attached letter basically asking them to review my account?

Help pls ... :rotfl:

Hi cb you don't need an agreement just a card number send the questionairre with your covering letter always keep copies

cappo

DDave wrote: »

Yes just cant believe it 14000+ in cash coming + our repayments drop by around 100 a month - so many things that needed fixing and now we can afford to, its just incredible- now slight problem cant sleep too excited but guess thats another forum :-):rotfl::rotfl::j:T:T:T:T:T

Nice one dave, so happy for you mate,well done:j:j:j:j:j:money::money::money::beer::beer::beer::beer::D:D:D:cool::cool::cool::cool::T:T:T:T:T:):):):):):)

cappo

lamarsi wrote: »

OMG this is fantastic :beer::j:j

Hi Lamarsi, Good luck on getting your Debts down, you've done really well :):):):):):):):):):):T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

katiep1976

Hiya

I recently sent off the questionnaire to MBNA but was an idiot and forgot to send it Recorded Delivery. Does anyone know if MBNA send any acknowledgement for received appeals questionnaires and if so, roughly how long did it take? I'm just wondering how long I should wait before calling (or if it will even show up on the call centres system) or resending?

Thanks (Burtons Santander sent today - DEFINITELY recorded!)