PPI Reclaiming Discussion Part 5

amersall

Valleyboyphonics wrote: »

I see what your saying. Thank you very much for the advice and help, very kind of you.

You are Welcome, pardon the pun put the claim in and let us know how you get on.

amersall

craftybynature wrote: »

Bump.
any one have any advice on the above?

The one that you sent the agreement in for should have been dealt with they should not still be looking for this loan.
If I were you, I would send another copy of this agreement with reasons for mis sell and do a new claim, or ring them and ask why they have to go to the archive when you gave the agreement for this loan.

Mogcat

di3004 wrote: »

Hi there

You have every right to make a reclaim complaint with your reasons you believe you were mis sold on, just like loan ppi.

I have not had any dealings with these myself, but wishing you luck on your reclaiming.:)

Hi

Thanks for your response. I am currently at 7 weeks and just really nervous as I could do with the money so badly at the moment as things are getting really tight at home. I haven't seen that many mortgage ppi rejections on here from the Halifax but mine isn't for TMPP...its a repayment insurance (ASU) that is taken within my mortgage payment each month. I had read lots saying that Halifax were auto-upholding but I think that has probably stopped now.

Will keep you posted x

amersall

moneyangel22 wrote: »

Hi everyone,

Back in 2006 I tried to reclaim PPI I was mis-sold on a loan from HFC/Beneficial Finance. Their solicitors were corresponding with me and eventually it went to court and a date was set for a hearing. I cannot remember what happened but I think something/someone scared me and I pulled out of the claim. The solicitors got me to sign an order to say I was discontinuing my claim and it was in full and final settlement of my claim.
I am really annoyed at myself because I think I could have won or if I was doing it now I would have stood a better chance of having my complaint upheld.
Is there anything I can do or have I put the nail in the coffin??

Thanks

Did you do a full and final on the amount that you paid back to them with the loan and when you did this was any or all of the PPI taken off the balance? if it was then you have in effect had the PPI refund, if this is not the case, then put a claim into the bank and see what they come back with, or ring the FOS and ask what you should do.

craftybynature

amersall wrote: »

The one that you sent the agreement in for should have been dealt with they should not still be looking for this loan.
If I were you, I would send another copy of this agreement with reasons for mis sell and do a new claim, or ring them and ask why they have to go to the archive when you gave the agreement for this loan.

Thanks Amersall,
I will give them another ring today, and see if i can email or fax them the copy of the agreement.

mattee77

My friend called his bank RBS and complained about PPI he has been paying for 23 years. The bank wrote to him today with an OFFER for just over 11,000 the letter included a declaration to sign to take it no further so this to mean its not the full amount owed. Can someone please advise how he should take this further

landroverlover123

Hello folks, please can anyone help me, I had a loan with alliance and leics which was repaid in 2007, trying to reclaim ppi on this loan, santander (who took them over) say they are unable to trace an account for me, what do I do now??
I no longer have any documents myself, having stupidly disposed of them when the loan finished.

opensomehours

landroverlover123 wrote: »

Hello folks, please can anyone help me, I had a loan with alliance and leics which was repaid in 2007, trying to reclaim ppi on this loan, santander (who took them over) say they are unable to trace an account for me, what do I do now??
I no longer have any documents myself, having stupidly disposed of them when the loan finished.

First tip - stay away from claims management companies and attempt to do it your self.

The best bet is to contact the FOS (Financial Ombudsman Service) and get their advice.

I also think this could be helpful moneysavingexpert.com/reclaim/ppi-loan-insurance

This pretty much covers the lot!

opensomehours

mattee77 wrote: »

My friend called his bank RBS and complained about PPI he has been paying for 23 years. The bank wrote to him today with an OFFER for just over 11,000 the letter included a declaration to sign to take it no further so this to mean its not the full amount owed. Can someone please advise how he should take this further

Next step is to contact the FOS (Financial Ombudsman Service) for some great advice.

Also, see this post from MSE moneysavingexpert.com/reclaim/ppi-loan-insurance

amersall

mattee77 wrote: »

My friend called his bank RBS and complained about PPI he has been paying for 23 years. The bank wrote to him today with an OFFER for just over 11,000 the letter included a declaration to sign to take it no further so this to mean its not the full amount owed. Can someone please advise how he should take this further

This depends how much the PPI was.

If you have the breakdown of what the redress was and post it up, then we can see if they have given the full redress.