PPI Reclaiming Discussion Part 5

-taff

Not really, unless they sold them as single premium after the date they were stopped.

lucieloo

amersall wrote: »

There have been a few on here, Di304 can confirm this.
Some insurers are paying up with and without any FOS intervention.

Wish mine would, its been with FOS now nearly 3 years. Oh and by the way i HATE first plus!

chippy200

i was sold ppi by the estate agent seperate to mortgage in 1996.
i was and have always been self employed so the policy was of no use. Have all bank statements but no origional agrement forms.
the policy ran for 7 years at 25 a month. Not sure who to claim against as its not a bank, can anyone help please .....chippy200

pool-hustler

If I claim misold PPI for a loan over 6 years old without paperwork, does the bank have to provide the paperwork?

jadlgw

Can anyone tell me who I send a claim to for mis-sold PPI from Marbles Credit Card please?

[Deleted User]

pool-hustler wrote: »

If I claim misold PPI for a loan over 6 years old without paperwork, does the bank have to provide the paperwork?

The Bank likely won't have any records beyond six years!

[Deleted User]

amf1970 wrote: »

I have given them 14 days from the date of the letter.

I'm afraid you have no such right to demand a reply within that given timescale.
Unfortunately, standardised response letters are used all the time by lenders to both reject and uphold complaints-it doesn't mean your complaint was not investigated or that by "robustly" responding to their "full and final" letter you'll somehow force them to re-consider.
Unless you can provide new and very compelling evidence, the next stage of your complaint if you're not happy is the Ombudsman:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step4

bathanwells

Quick question.

If i submit more evidence against rejected claims does the 8 week timescale for a reply start all over again...

Just in the process with the halifax on a few things..they said they
were happy to look at more evidence so i have supplied it...

Fingers crossed...

[Deleted User]

bathanwells wrote: »

If i submit more evidence against rejected claims does the 8 week timescale for a reply start all over again...

No, they can now respond at their leisure. Do be aware that unless you have provided very compelling new evidence the strong likelihood is that they'll simply reiterate what they said in your original rejection.
There is really very little to be gained by continuing such correspondence with the Bank, the next stage of your complaint is to refer it to the Ombudsman if you remain dissatisfied;
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step4

bathanwells

Moneyineptitude wrote: »

No, they can now respond at their leisure. Do be aware that unless you have provided very compelling new evidence the strong likelihood is that they'll simply reiterate what they said in your original rejection.
There is really very little to be gained by continuing such correspondence with the Bank, the next stage of your complaint is to refer it to the Ombudsman if you remain dissatisfied;
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step4

Thanks for that. Well we will see what happens my next step is the ombudsman after this So either way.