PPI Reclaiming Discussion Part 5

AdamZ_2

Hi Everyone,

I am very new to the forum. I spent all night here but still can't understand how to fill out the questionair FORM sent to me by Barclays.
In other words, i don't want to give the wrong answeres just in case my claim go rejected.

Though this request may sound very stupid ..forgive.. but i need some help here.

squiggler_2

Hi AdamZ
Does the Barclays' form look like the questionnaire that you can find on this site, or very different?

[Deleted User]

squiggler wrote: »

Hi AdamZ
Does the Barclays' form look like the questionnaire that you can find on this site, or very different?

It's identical. All lenders use the Ombudsman Questionnaire.

Rone_2

We have been turned down by loans.co.uk for 1 PPI claim which is now in the hands of the Onbudsman. Just received our second PPi loan claim refusal with the same company which is stating that they have a recording of my conversation with their member of staff when purchasing the loan over the phone , they have also said they are going to post the CD for me to listen too, they have turned our 2nd claim down , they state that this is thier final response ,when I recieve it should i still forward it to the onbudsman ... There are a number of reasons we are claiming 1) the insurance only covered 5 years of 10 yr large loans 2) I am second named on it retired due to ill health on a pension so would not be able to claim for anything named.... I am so confused??????

wanderer56

Hi
I have been wondering if I should (or if I have a case) to try and claim back PPI? I will be as honest as I can from what I remember when taking out my loans with Nat West. I have had four loans with Nat West from 2005 to 2010. The last three loans where consolidated loans from the original one all Settled then re-started with new loans. I don't have any of the paper work, but I have put in a request for this as advised on this site. When I took out the loans I can't honestly remember what questions they asked me about my circumstances when selling me the PPI? but I obviously agreed to take it. Now having read lots of advise on this site into how I may have been mis sold the PPI.I was wondering if to purse a claim based on how I feel I may have been mis-sold it in the first place. 1. I was and am still in full time employment with a package for sickness cover NB: this is only for 3 months full and 3 months half pay. However my redundancy package is very generous plus I have death in service cover. 2. My family would have helped should I have not been able to make my loan re-payments. I can back this up with the fact that my Wife decided to pay off my last loan early on my behalf which had 3 to 4 years to run on it.(sum of approx £5.000) 3. I also don't recall the lender/seller advising me that I could take out PPI via another provider/insurance company to try and buy cheaper cover. To the best of my knowledge I don't remember being asked or advised about the above before I signed up for the PPI with Nat West. Are these claims valid in your opinion or is my claim not worth pursuing? Many thanks for reading and your advise is very welcoming.

Mothermercury30

Hi all

I have just received an offer of PPI refund for my credit card. The amount is fairly substantial, and my question may be more straightforward than I think:

I am in debt management, and the agreement is going very well. The amount I am being refunded will clear one of my creditors in it's entireity, with over a thousand pounds left over. My question is- if I have other accounts in debt management with RBS, will they retain all the money for offsetting, or will they refund the rest to me?

Sorry if this has already been asked. Thanks all.

AdamZ_2

Like what Moneyinpetitude said, it is the questionair. due to the stress on how to fill it in, I am even considering to get a third party to deal with it. But I would appreciate all you help you can offer.. I know I am asking for too much.
Many thanks.[FONT=&quot][/FONT]

goosenman

Sorry. I had posted in the wrong place

I hope this is the right place. I'm just wondering if I even have the right to claim back my PPI - but it's a little more complex now.

I have two Barclaycards - a Platinum which I've had since 1995, and a normal one, which was actually an Egg card that became a bog standard Barclaycard when Egg were purchased. The platinum had, as far as I can remember, PPI on it since I got it, as I was only about 20 at the time and didn't even know you didn't have to have it on. I admit I didn't research it to see if I had to have it either. The balance at this time is £0.

The Egg/Barclaycard also has PPI on it but as I was made redundant last week, I am attempting to actually use the PPI to cover me until I get back to work as the balance on this card is high. I've got a Job Seeker interview and my claim regarding THIS card has been lodged. (It was while discussing this policy with their insurance company that I discovered my other card had a policy on it which dated back to August 1995)

Is there any point in me attempting to claim back the PPI on the Barclaycard Platinum? Over the years the balance has been up and down, as I've paid it off or move balances but at times, it's been as high as £4,000 - and I assume, payment protected at that time, which I have been paying for.

If I do start a PPI claim process, is that going to negatively affect the 'proper' claim on the other card?

I'm sorry if this is in the wrong place or has been answered many times. To be honest, I'm still recovering from losing my job of 22 years with about 6 minutes notice.

Many thanks.

dre67

hi - i havebeen looking at this with interest - i have been constantly hassled by a firm wanting to clain ppi on my and my husband's behalf, initially they said it would be a couple of thousand, invited them round but i didnt have all the pwk and my husband had had to go out. only gave sketchy details to them about the mortgages etc and been avoiding their calls - then on wednesday this week they contacted my husband again and said that we are owed in the region of 35000 each plus up to 50000 compensation!!!! something about mortgage and insurance being missold? i am very wary of looking at this as i am not sure what can of worms i will open??? am i being scammed??

dolphingazer

AdamZ wrote: »

Like what Moneyinpetitude said, it is the questionair. due to the stress on how to fill it in, I am even considering to get a third party to deal with it. But I would appreciate all you help you can offer.. I know I am asking for too much.
Many thanks.

Hi Adam,
Please don't use a claims company because all they will do is send you the same questionnaire form as from on this website for YOU to fill in and they take money from you to do this.

Please feel free to ask as many questions as you need to on here:) It's free and everyone is so friendly and helpful:D

Remember there is no such thing as a silly question as it may help someone else.