PPI Reclaiming Discussion Part 5

karen5416

Hi, I made a claim to M&S who have replied and they said they uphold my claim but cant do anything as they have no statements as it was over 6 years ago... what di i do

thxs

moneyangel22

Hi,

Blackhorse replied to my ppi complaint saying that as the agreement ended so long ago the docs are in their archives and without an agreement number they cannot review my complaint.
I do not have the agreement number anymore. Would sending a SAR mean they HAVE to get them out the archives even if i cannot provide the agreement number?

Glitterypinksam

Thank you for your help. I guess the first place to start is to get a copy of the credit agreement. When i asked him about he he said its something he had to have. x

harleyjayne1200

could i try and get ppi back for a 25k loan that was over 5 years but we only paid 2year repayments as we made a full and final settlement of £5000 ?
The debt was marked as no more money wud be chased for


any ideas or do you think it is a bit cheeky trying ?
thanks
jayne

Nitamcc21

harleyjayne1200 wrote: »

could i try and get ppi back for a 25k loan that was over 5 years but we only paid 2year repayments as we made a full and final settlement of £5000 ?
The debt was marked as no more money wud be chased for


any ideas or do you think it is a bit cheeky trying ?
thanks
jayne

Its always worth a go but... I've seen a few posts on the forum where people have done this and any money back has gone off what is actually still outstanding... even though debt allegedly settled... which is fair enough. One lady posted that even after they had taken this redress off the loan outstanding there was still £1000 left and that they where going to rework her loan... Its worth thinking about and I think there is a bit of the forum especially for this type of thing and they may be able to help you more... Hopefully someone will come on and give you some other guidance

Neets

Nitamcc21

I think I should have bought shares in stamps as this week I have sent out 15 letters... Ah well all be worth it in the end! Does anyone else get excited bout getting home to see if any offer letters have come or is that just me?

Neets

dolphingazer

Nitamcc21 wrote: »

I think I should have bought shares in stamps as this week I have sent out 15 letters... Ah well all be worth it in the end! Does anyone else get excited bout getting home to see if any offer letters have come or is that just me?

Neets

Hi Neets,

I certainly do:):) and I'm addicted to this site:D and I love it when people get their money back:j:j

Congratulations all winners so far this week:beer:

Swanseye

I am still waiting payment of an agreed PPI Claim with Lloyds TSB Bank and despite several letters to them I have not even received a response. What action would you recommend please ?

Queenb71

Hi, has anyone put a PPI in against Yorkshire bank??

Thanks in advance x

amersall

karen5416 wrote: »

Hi, I made a claim to M&S who have replied and they said they uphold my claim but cant do anything as they have no statements as it was over 6 years ago... what di i do

thxs

If you have no statements then they cannot pay you.
You could send a Sar

https://forums.moneysavingexpert.com/discussion/1475553
Ask for all info they hold on you and you may get some statements, it is possible they no longer have any and it costs £10 for this info so it is up to you if you think it is worth the fee.