PPI Reclaiming Discussion Part 5

littlepip

dolphingazer wrote: »

Hi littepip,

Maybe you had more than 1 loan with them. Is this possible?

I re-financed (consolidated) Remember none of the loans went to full term and the final one was paid off early. So would they look at each one individually? there where no breaks between the loans from 2005 to 2010. Or would they treat this as one continuous loan in respect of PPI when assessing my complaint?. I had PPI on all loans from the start. Many thanks littlepip.
P.S all PPI was front loaded which was the main reason for claim.

[Deleted User]

american_bulldog wrote: »

Have I won and got my ppi back

Do you really need to ask?:D
Congratulations!

american_bulldog

Moneyineptitude wrote: »

Do you really need to ask?:D
Congratulations!

thankyou and thanks for your help and advice

popster11

Complained may 12th rcd a letter yesterday saying due to high levels of claims they will take an ADDITIONAL 8 weeks to assess my single premium front loaded ppi claim? What cn I do to speed this up? Anything? Are they allowed to do this? Help!

dolphingazer

littlepip wrote: »

I re-financed (consolidated) Remember none of the loans went to full term and the final one was paid off early. So would they look at each one individually? there where no breaks between the loans from 2005 to 2010. Or would they treat this as one continuous loan in respect of PPI when assessing my complaint?. I had PPI on all loans from the start. Many thanks littlepip.
P.S all PPI was front loaded which was the main reason for claim.

Don't worry, you should be fine;)

lou35

Please help,
I received a responce today from MBNA credit card services stating that I cancelled the PPI policy prior to the card being used and therefore no insurance was ever applied to the account. I clearly remember on one occassion the minimum payment being £40 due to a charge of £20 for ppi being added to the monthly statement. My minimum payment had literally doubled and that's why I chose to cancel the policy. Where do I go from here. Do I SAR them, write back and request the documentation they have based their decision on or go straight for FOS.

Thank you in advance for any advice
Lou

tich2

I just got a reply from lloydstsb about the PPI claims I put in about 8 weeks ago and they say they are sorry for the delay but they are very busy and it may be up to another 8 weeks before they can look into my claim.

Is this normal and is there anything I can do??:(

di3004

tich2 wrote: »

I just got a reply from lloydstsb about the PPI claims I put in about 8 weeks ago and they say they are sorry for the delay but they are very busy and it may be up to another 8 weeks before they can look into my claim.

Is this normal and is there anything I can do??:(

Hi

Yes that is standard, as they are still going through backlogs, fingers crossed on the reclaiming, please let us know how you get on once you hear.;)

I personally think now you have received that letter, you will hear now within a week or 2 at most, with a bit of luck that will apply to you. Fingers crossed.

di3004

lou35 wrote: »

Please help,
I received a responce today from MBNA credit card services stating that I cancelled the PPI policy prior to the card being used and therefore no insurance was ever applied to the account. I clearly remember on one occassion the minimum payment being £40 due to a charge of £20 for ppi being added to the monthly statement. My minimum payment had literally doubled and that's why I chose to cancel the policy. Where do I go from here. Do I SAR them, write back and request the documentation they have based their decision on or go straight for FOS.

Thank you in advance for any advice
Lou

Hi Lou

Yes a SAR is an option, or you could ask them to send you details of when you cancelled the policy, they may do this free of charge - before you decide on the SAR direction.
If you have anything in writing to prove, you can then send to them in evidence.

Good luck with this.;)

di3004

popster11 wrote: »

Complained may 12th rcd a letter yesterday saying due to high levels of claims they will take an ADDITIONAL 8 weeks to assess my single premium front loaded ppi claim? What cn I do to speed this up? Anything? Are they allowed to do this? Help!

Hi there

Due to high volumes of backlogs, this does happen with Lloyds, although they have stated that it may take an additional 8 weeks, I'm sure you will hear a result before then, good luck.:)