PPI Reclaiming Discussion Part 5

nogthor

Ive recently realised ive been paying a Decreasing term assurance plan on a mortgage I havnt had for 5 years or so! its a payment on death only plan not Sickness/unemployment and i wasnt sure if this counted as a PPi or not?

Greebo74

Gutted after months of fighting and sending all the evidence I have that the Ex is not on the loan (even Picture agreeing she isn't covered by PPI ) came home to a letter from FSCS saying that since the complaint is about the point of sale, we need the Ex to sign the forms (which we have no chance of her doing).

Feeling very defeated right now...

dolphingazer

amersall wrote: »

:p:p As if we would miss it

:rotfl::rotfl::rotfl:There was no one around on the forum when I posted and I was so excited and in shock:rotfl::rotfl:

yorkletts

Thanks amersall. A PPI claim on an old paid up loan for which we have account number and other details. Self employed at the time so the PPI was of no use and as far as we were concerned it was a condition of the loan. Anyway no use now got the active address from companies house last month. This month been company disolved!

cappo

nogthor wrote: »

Ive recently realised ive been paying a Decreasing term assurance plan on a mortgage I havnt had for 5 years or so! its a payment on death only plan not Sickness/unemployment and i wasnt sure if this counted as a PPi or not?

Hi Nog it's not ppi

Padstow

I had loans with A&L paying PPI while self employed. I just looked at the form on FOS and it's very long winded, but will it work quicker than a letter?

cappo

dolphingazer wrote: »

:rotfl::rotfl::rotfl:There was no one around on the forum when I posted and I was so excited and in shock:rotfl::rotfl:

Good on yer Dolphin and well Done.:j:j:j:j:j:j:j:money::money::money::money::money:;););):D:D:D:D:D:D:D:cool::cool::cool::cool::cool::cool::cool::T:T:T:T:T:T:T:T:T:T:T:):):):):):):):):):):):):):):):):):):):):):):):):):););):;););););););););)

Woody's_Girl

amersall wrote: »

If you have the account number ( send copies of the amounts from the bank statements that you have ) to Natwest, use the Single Premium as the reason for mis sell.

I'd already said in the previous letter that he wasn't told it was optional though. Is it more likely that they'll settle in our favour if I mention the single premium thing..... and if so, why? He didn't pay it in one go, he paid it over the course of the loan.

Sorry if i'm being dense, this is a new one on me. Thank's for responding btw.

Ok, i've since googled and i'm assuming it's because banks did away with single premium policies in 2009? I will add a bit about claiming due to that aswell in the letter then. I guess that ups our chances slightly [wishful thinking]

sjbu

Hi all,

Will soon start trying to claim back some PPI

I had a reasonably large loan years ago (maybe 10 years ago), trouble is I do not have any record, account number or even remember exactly when it was - any way I can claim atall? or is it a no-goer?

Many thanks in advance

dolphingazer

cappo wrote: »

Good on yer Dolphin and well Done.:j:j:j:j:j:j:j:money::money::money::money::money:;););):D:D:D:D:D:D:D:cool::cool::cool::cool::cool::cool::cool::T:T:T:T:T:T:T:T:T:T:T:):):):):):):):):):):):):):):):):):):):):):):):):):););):;););););););););)

:hello:Hi cappo,

Thanks very much. I have had time to take it in now.

I have no idea of how much we will receive but that doesn't matter. WE WON:T:T:T