PPI Reclaiming Discussion Part 5

american_bulldog

Moneyineptitude wrote: »

I still don't know why they were unable to locate you from the details you provided. Are you certain the SAR went to a Bank you have held an account with?;)

loans taken out with blackhorse in sheffield this office closed down
so sent the sar letter to the cardiff office phoned them before I sent the sar letter and someone called Louise gave me seven acount numbers and said all had ppi on but we have no paperwork.so wanted the sar to find out how the loans were payed as am sure it was single payment the last loan was paid off early in 2009 with the sale of the house as it was a secured loan as were the others.

[Deleted User]

american_bulldog wrote: »

someone called Louise gave me seven acount numbers and said all had ppi on but we have no paperwork.

If you have valid reasons for complaint as well as the account numbers then paperwork is not required. Send a complaint:

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

kenfold

kenfold wrote: »

Hi Everyone,

First time I have posted on here so hopefully someone can help. I have had a loan with Natwest since feb 2008 which finishes in 3 years. I remember the gent who sat me down and went through everything including the ppi section. From the off go I did not want ppi, I have very good benefits through my job including injuries on duty protection, full sick pay and death cover. Also if I get injured where I can't perform my duties then I get a full pension and salary etc etc. Due to this I saw no benefits in ppi so I flatly refused to take it. That was over four years ago and my partner has been saying for ages that I should check my loan, I said don't be silly, I remember completely refusing the ppi so there was no way that I would have it. Long story short I checked last week to be mortified to find out that I have been paying for ppi for the whole term of the loan, I couldn't believe it. I have since put a complaint in direct with Natwest(RBS) and got an acknowledgment letter today 30/4/12.


I just wanted to know how they could of still added ppi to my loan? And also does this count as a mis-sell and would i be entitled to claim the money back? Up until last week I was convinced that I didn't have it so I was gutted lol.


Many thanks in advance for any replies :-)


Can anyone advise on what my chances are for a ppi complaint win?

[Deleted User]

kenfold wrote: »

Can anyone advise on what my chances are for a ppi complaint win?

You'll know for sure in about four weeks...

american_bulldog

Moneyineptitude wrote: »

If you have valid reasons for complaint as well as the account numbers then paperwork is not required. Send a complaint:

just wanted to get some paperwork for the loans to see how the payments were made so as to be sure of mis sell

[Deleted User]

american_bulldog wrote: »

just wanted to get some paperwork for the loans to see how the payments were made so as to be sure of mis sell

Just an unnecessary delay. Go for it now, the most you'll lose is the price of a stamp.

pixabelle

Can anyone help and tell me if the loan detailed below is front loaded ppi. It is a lloyds Tsb loan.


Amount of credit £9953.80
monthly repayment £172.22

Optional loan protection insurance £3315,03
Monthly repayment £57.36

Loan for repayment of exsisting debts£3603.00
Monthly repayment£62.32

TOTAL LOAN £16871.83
MONTHLY REPAYMENT£291.91

Thanks:o

dolphingazer

american_bulldog wrote: »

just wanted to get some paperwork for the loans to see how the payments were made so as to be sure of mis sell

I have 4 complaints in with Blackhorse at the moment(sent last week to the Cardiff office). I'm still awaiting comfirmation from them that they have received them(I sent them recorded/signed for and have got proof from track and trace).:D

Send yours ASAP because they will almost definetly be front loaded loans.

Then just sit back and wait and see what happens:)

Jamesmprint

kenfold wrote: »

kenfold wrote: »

Hi Everyone,

First time I have posted on here so hopefully someone can help. I have had a loan with Natwest since feb 2008 which finishes in 3 years. I remember the gent who sat me down and went through everything including the ppi section. From the off go I did not want ppi, I have very good benefits through my job including injuries on duty protection, full sick pay and death cover. Also if I get injured where I can't perform my duties then I get a full pension and salary etc etc. Due to this I saw no benefits in ppi so I flatly refused to take it. That was over four years ago and my partner has been saying for ages that I should check my loan, I said don't be silly, I remember completely refusing the ppi so there was no way that I would have it. Long story short I checked last week to be mortified to find out that I have been paying for ppi for the whole term of the loan, I couldn't believe it. I have since put a complaint in direct with Natwest(RBS) and got an acknowledgment letter today 30/4/12.


I just wanted to know how they could of still added ppi to my loan? And also does this count as a mis-sell and would i be entitled to claim the money back? Up until last week I was convinced that I didn't have it so I was gutted lol.


Many thanks in advance for any replies :-)


Can anyone advise on what my chances are for a ppi complaint win?

I would say you have a very good case for this and would just say dont be put off if you get the first rejection letter. Dont give up keep going :-) Good Luck

supersally01

Hi all,
Just a quick bit of advice needed as hit a brick wall with barclaycard.
I put in a SAR a few weeks back, and they have sent it back today. Unfortunatley, they have only provided the statements for the card that I currently have with them, not the card that was closed in 2008.

I called their customer services, and they said my account had been 'purged'. I dont really know what that means, and they said they do not have the account number any more.

I have checked on equifax, and the last 4 digits are on there, but how do I now find out the rest?

Any replies will be a great help,
Sally.