PPI Reclaiming Discussion Part 5

amersall

sjbu wrote: »

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

If you have no details for this loan then you may have trouble getting any info due to the time that has passed.
If you remember the bank then give them a ring and ask if they can find you. When did you settle this loan and who was it with?.

sjbu

amersall wrote: »

If you have no details for this loan then you may have trouble getting any info due to the time that has passed.
If you remember the bank then give them a ring and ask if they can find you. When did you settle this loan and who was it with?.

thanks for the reply,

It was Lloyds Bank, 10k I think, but I remember clearly being told I had to have it, I cannot remember repay date exactly, but if I had to guess it'd be around 2003 paid off. I do still have a small credit card balance with them too

amersall

sjbu wrote: »

thanks for the reply,

It was Lloyds Bank, 10k I think, but I remember clearly being told I had to have it, I cannot remember repay date exactly, but if I had to guess it'd be around 2003 paid off. I do still have a small credit card balance with them too

Give them a ring or call into a branch and see if they can find you, it is worth trying, you never know.
Good luck.

Beabird

amersall wrote: »

Contact the FSCS, they may be able to help you with this.

Thanks amersall, i've emailed them so hopefully will get somewhere with this!
Hope to post on the success thread soon!

Greebo74

amersall wrote: »

I do not understand, if this is not a joint loan and PPI and you have proof of this, how come they need two signatures?.

Because it was a joint loan at point of sale and despite it being transferred solely to me (and the ex never paying a penny towards it) they say the complaint relates to the miss-selling of the PPI at the point of sale, so thy need both signatures.

gaz1973

can anyone tell me if you can claim back ppi on a mortage if they told you you had to take out ppi to get it and if you do claim can they cancel any mortages u have with them

givenupwork

Thanks for the reply amersall. Ill just hold on until the 28 days is up. I hope you dont mind if I post again if they do reply or indeed it they dont! So I can work out next step.

Thanks

debtfreebie

amersall wrote: »

They are trying it on, there will not be a conversation where the full cost and the unfair rebate would have been explained to you, this is Single Premium at its worst, this is the mis sell on the whole Premium and not just the life part.
Get the password and let me know word for word what is said regarding the cost and rebate terms of this PPI and we will take it from there.


You only paid 19 months of this PPI, if you get the whole PPI redressed, you will get the PPI back that you paid with the interest to the date you cancelled it they will then take off the rebate that they gave you at settlement and the remaining PPI that you paid in with the settlement is given back to you, ( this is why these SP PPI are the most upheld because of the unfairness and cost)
You will also get the 8%.

Thanks Amersall will listen carefully and let you know

dunstonh

gaz1973 wrote: »

can anyone tell me if you can claim back ppi on a mortage if they told you you had to take out ppi to get it and if you do claim can they cancel any mortages u have with them

You can make a complaint on that basis. You will have to supply evidence to support it otherwise it is the weakest complaint going and they can easily reject it.

maureen.wallsend

I had a mortgage from Abbey National which was paid in full in approx 2004 and I want to know if I can re-claim PPi and who would I contact in order to do this as Abbey National no longer exist, Thank You