PPI Reclaiming Discussion Part 5

amersall

Hi I have bank statements showing monthly payments for abbey cc 1996-2001 but it does not show ppi payment.

You had no PPI as if you had, it would show on the statements so you have no claim for the PPI mis sell.

the only document I have is from mbna when they took over card in 2001 saying that there was ppc on card.

Put the claim for mis sell into MBNA, if they uphold then they will send the complaint to Santander to pay the rest.

What I don't understand is, you have statements from Santander showing no PPI but MBNA have said there was?.

amersall

kmm66d wrote: »

Hi all hoping you can help with this.
Huge thread so hard to trawl and find the answer.
Had a loan originally from egg but now taken over from moorgate.
I have started the process and got the t&c's from moorgate.
I am now at the stage of posting the consumer questionnaire, but should I post it to egg or moorgate?

Send it to Moorgate, don't send it recorded just get a proof of posting.

amersall

MightyNorth wrote: »

Hi everyone,

Just need some quick advice. Applied for SAR fdrom Natwest and have recently received a response.

They state that they have been unable to locate my loan agreements.

They have supplied a table showing the date of the loan, the application amount , sort code and account number. There is then a seperate column which is headed "Insurance Premium".

On 4 of the loans between 2001 and 2006 it states a sum for Insurance Premium.

Am I right in thinking that the term "Insurance Premium" used by Natwest relates to a PPI Product? Or for the sake of clarity should I ask NatWest to clarify?

Thank you

:rotfl:

This is PPI so put the claim in.

amersall

DMHReaper72 wrote: »

Hi All,

I am being given the run around by both my own bank and a couple of loan companies that I wish to claim PPI back from.

I bank with Yorkshire bank, and the loan companies I wish to claim from are Lombard Direct and Black Horse Finance.

I have statements from Yorkshire Bank showing direct debits to the two loan companies and have been into my branch to request details of the direct debits in order that I can proceed with my claim.

The bank have been totally unhelpful and advised that they do not have any details on record.

The two loan companies are claiming they have no records of my loans and are refusing to go further with my complaint.

Can somebody please advise what course of action I should take?

Many Thanks

What years were these taken out and are they now closed?.

Send a Sar request to all 3, this will cost you £30 though as you pay £10 per bank, depending on the years these were paid off they may not hold any info even with a Sar request.

Do you have info at all? try your credit report if these were paid off in the past 6 years , the last 4 digits of the account numbers should be there, you can use these.

amersall

linkx wrote: »

As Executrix of my late husband's Will, can I reclaim PPI on credit cards and bank loans held in our joint name, where he was usually the first card holder and/or first named signatory?

Yes you can, you need to show the death certificate and probate details, ring the bank and ask what you need to do to make the claims.
One thing I am not sure about is the joint loans, as you have co signed for these and a claim is made for the PPI, if the loan is still running, you may have to repay this at the payment and rest of term of the loan, you get the PPI back that was paid to date with the interest, if you claim on the death benefit then the loan is cleared entirely, it may be that you may wish to clear these loans if they are still running and the balances are high, it may be worth more than the PPI claim.
I am not sure how this would work to be honest, this is just my logic.

kmm66d

amersall wrote: »

Send it to Moorgate, don't send it recorded just get a proof of posting.

Will do. Thanks for the quick reply.

amersall

kmm66d wrote: »

Will do. Thanks for the quick reply.

You are welcome, fingers crossed.

dave73

can i claim back my mortgage insurance aswell

jenny45

amersall wrote: »

You had no PPI as if you had, it would show on the statements so you have no claim for the PPI mis sell.


Put the claim for mis sell into MBNA, if they uphold then they will send the complaint to Santander to pay the rest.

What I don't understand is, you have statements from Santander showing no PPI but MBNA have said there was?.

the bank statements are current account statements and although they show payments to abbey cc 1996-2001 they do not give a break down so there is no definate way to show ppi

I did send a questionnaire to mbna and they were fantastic and settled from 2001 to date. They did send to Santander to look at the period before this but Santander state they did not receive any documents. When I rang mbna they said that they were having problems with Santander and they would not liaise with them in any way to get this dealt with. Hence I decided to send off details myself

The only way I know there was ppi at 2001 when mbna took over was they had a computer printout showing details that were entered onto their system when they took over and it was detailed that there was ppc on card when it was abbey

So there was more than likely some ppi but I have no other solid proof so without this is there any chance of it going to fos and being upheld.

hope this makes it a bit clearer...all seemed ok to me when i previewed it but then i was filling in gaps :rotfl:

amersall

hope this makes it a bit clearer...all seemed ok to me when i previewed it but then i was filling in gaps

no prob x.

Send the complaint to Santander, explain that MBNA have paid out and ask them to look at the PPI that you paid to them send a copy of the printout from MBNA to show that there was PPI on there.