PPI Reclaiming Discussion Part 5

[Deleted User]

tan_milli wrote: »

They ask me to contact them asap if I don't want to accept their offer, but they have paid me (although i've not cashed the cheque)

If you have any reason not to accept their offer then refuse it and send the cheque back to them. How is this in any way "dodgy"?

ms_night_ryder

n

Join Date: Jun 2011 Posts: 1,594 Thanked 9,150 Times in 1,297 Posts

Hey guys i have sucessfully claimed ppi before.

Different scenario, my aunt has let me use her credit card since 2006 unbeknownst to me t here was ppi on thus, she sent a letter last year to Halifax but has not had a reply, is she better off calling?

Thanks

whatshappening03

Hi,

Hope this is in the correct thread. In June 2012 I wrote off my PPI claim for a loan I took out with Lloyds. I took out the loan in 2005 but it was active untilNov 2008. They wrote back to state that I did not have PPI onthis loan. I did not have a copy of the loan agreement and thought that I must have got the loans confused as I had taken one out a short time previously. I had no loan agreeement for the 2005 loan. However, apparently, the other loan had no PPI on it either.

I distinctly recall being ut under some pressure by the person on the phone when I took out the loan so am left somewhat confused. As I attempted to claim almost a year ago, is it too late to wrtie and request a copy of the loan agreement so I can prove that they are mistaken ??

Thanks Joy

[Deleted User]

ms_night_ryder wrote: »

she sent a letter last year to Halifax but has not had a reply, is she better off calling?

She's better off not leaving it half a year before following up any complaint.

[Deleted User]

whatshappening03 wrote: »

. As I attempted to claim almost a year ago, is it too late to wrtie and request a copy of the loan agreement so I can prove that they are mistaken ??

Well, you can certainly complain only once. However, you could send a Subject Access Request (SAR) letter to the bank which should net you all they still have on file for you and set your mind at rest one way or the other. Credit agreements are not available for closed accounts, so no point asking for that.
If you find evidence that there you paid PPI despite the Bank telling you otherwise then you can ask the Bank to re-open your complaint-but you'll still need valid complaint reasons.

ms_night_ryder

Moneyineptitude wrote: »

She's better off not leaving it half a year before following up any complaint.

Obviously not, but that's not really helpful is it? Doesn't answer my question at all.

[Deleted User]

ms_night_ryder wrote: »

Obviously not, but that's not really helpful is it? Doesn't answer my question at all.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

rownie23

I was contacted yesterday by Rapid Legal Services about my PPI.

Basically, should they be trusted?

momoyama

rownie23 wrote: »

I was contacted yesterday by Rapid Legal Services about my PPI.

Basically, should they be trusted?

My basic principle in such things is that if THEY contact YOU, then no, they can't be trusted. This applies to many things.

rownie23

Thanks for that, it seems they take a big cut - 25%+VAT.

I was hoping for some input from somebody who has specifically dealt with this company. Or similar.