PPI Reclaiming Discussion Part 5

dunstonh

sanjiv_mall wrote: »

As long as your mortgage or re-morgtage was taken out 2005-2008 you can claim back ppi, I WORK FOR A PPI COMPANY

That information is factually incorrect.

What you mean is that your claims company doesnt pursue complaints before 2005 as statistically it is less likely to result in a success and therefore not commercially viable.

[Deleted User]

sanjiv_mall wrote: »

I WORK FOR A PPI COMPANY

dunstonh wrote: »

That information is factually incorrect.

You are probably right, Dunston!:D

sheilavw

I got mortgage protection back from 1988 so its worth a go

HannahT_3

Hi, sorry if this has been asked before.

Is it possible to try and claim back my half of mis-sold insurance on a joint mortgage if hubby is discharged bankrupt? - We were both named on policy - the mortgage was settled a few years before he declared bankrupt.

edthomasj

HannahT wrote: »

Hi, sorry if this has been asked before.

Is it possible to try and claim back my half of mis-sold insurance on a joint mortgage if hubby is discharged bankrupt? - We were both named on policy - the mortgage was settled a few years before he declared bankrupt.

If it's any help, I'm in a similar situation, my ex-OH had to make the claim with me. Also if you speak to the Insolvency people they will tell you that your husband will probably need to repay HIS reclaimed monies back to the people who own his debt (i.e. The Official Receiver) - this is due to something called 'right of action' - a legal term that in your case means your husbands half will go to paying back the written off debts, even if the ppi & loan didn't form part of the bankruptcy.

The lender may have to write two cheques, one for you and on for the Official Receiver. Worth talking to the insolvency people first before making the claim. What you don't want is to be trying to get 50% back from the OR at a later date. That, apparently, is a nightmare!

Good luck, if you were mis-sold then you should definitely try and reclaim your money no matter the challenges.

HannahT_3

edthomasj wrote: »

If it's any help, I'm in a similar situation, my ex-OH had to make the claim with me. Also if you speak to the Insolvency people they will tell you that your husband will probably need to repay HIS reclaimed monies back to the people who own his debt (i.e. The Official Receiver) - this is due to something called 'right of action' - a legal term that in your case means your husbands half will go to paying back the written off debts, even if the ppi & loan didn't form part of the bankruptcy.

The lender may have to write two cheques, one for you and on for the Official Receiver. Worth talking to the insolvency people first before making the claim. What you don't want is to be trying to get 50% back from the OR at a later date. That, apparently, is a nightmare!

Good luck, if you were mis-sold then you should definitely try and reclaim your money no matter the challenges.

Thank you for your reply, really appreciate it and good luck with your claim.

kristen33

Hi all I hope you can help

Recently I sent off the template letter about asking for T & C's etc on my mint credit card and enclosed a £1 cheque and aso a £10 cheque for statements. Today I received this letter from Mint


Thank you for your letter dated 28oct 2012 which we received in this office on the 2nd november 2012.

Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information.

As you are aware this account has been fully repaid, and therefore, there is no active agreement between Mint Credit Cards and you with regards to the above account.

The consumer Credit Act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligation to us under the agreement have ended.

I hope the above clarifies the matter for you

Laura McNamara, Correspondence Officer



Now did we send the wrong type of letter or are they being difficult and trying to stop us putting in a claim??


Thanks in advance if anybody can help Kristen

soworriedandafraid

Hope someone can help Me. I have not worked for 16 years as have been suffering from depression. (not claiming benefits as husband working). Been at home looking after children. Made some bad financial choices and have had credit cards and loans in my name since 1997. Looking through the bills (I have kept them all) I have been paying ppi on most of them:eek: Would I be entitled to reclaim easy enough? Or would they say I should have known.

worried48

They will probably say you should have known BUT what have you got to lose? The price of a stamp? Your board name suggests the money would be rather useful to you if you got it so why not give it a try? I'd guess that the loans will be easier than the credit cards, but try them all - yourself, I mean, don't go to a PPI claiming company!

dunstonh

kristen33 wrote: »

Hi all I hope you can help

Recently I sent off the template letter about asking for T & C's etc on my mint credit card and enclosed a £1 cheque and aso a £10 cheque for statements. Today I received this letter from Mint


Thank you for your letter dated 28oct 2012 which we received in this office on the 2nd november 2012.

Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information.

As you are aware this account has been fully repaid, and therefore, there is no active agreement between Mint Credit Cards and you with regards to the above account.

The consumer Credit Act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligation to us under the agreement have ended.

I hope the above clarifies the matter for you

Laura McNamara, Correspondence Officer



Now did we send the wrong type of letter or are they being difficult and trying to stop us putting in a claim??


Thanks in advance if anybody can help Kristen

You did send the wrong letter. S78 of the CCA only applies to debts that are still outstanding. They are not being difficult. They are replying correctly to your request.

You dont need the agreement to make the complaint.