PPI Reclaiming Discussion Part 5

joanne13

Thanks for the quick reply cappo.

cappo

mill1980 wrote: »

Just recieved an offer for my prefernce account ppi :jv happy but on the letter they have refunded premiums of £878 plus 8% interest too 12th April at £155. There is no mention of refund of interest on the payment though?? on my loan from bank of scotland they gave me premiums plus interest plus the 8% interest. Anyone know why they haven't given it back on this? the perference account was basically a type of credit card i think.

Hi mill i think credit cards are a bit different and you don't get the same interest ,it's calculated differently to a loan, wait until our Di or amersall come on as i'm almost certain they know more about the 8% than i do. good luck, another thing you could ask them, but i'm sure a cc is different so it might not be due.

mill1980

cappo wrote: »

Hi mill i think credit cards are a bit different and you don't get the same interest ,it's calculated differently to a loan, wait until our Di or amersall come on as i'm almost certain they know more about the 8% than i do. good luck, another thing you could ask them, but i'm sure a cc is different so it might not be due.

thank you will catch one of them later

sassyone19

hi dont bknow if anyone can help but i need to find an addressxmy parents had a loan with alliance and leicester a few years ago but they are now santander.i need to send a complaint letter about ppi but dont know what address to send it toox

fido90

After receiving an offer from LloydsTSB which was an average settlement because the bank apparantly has no evidence that a loan was taken out with them. It was back in 1998 and I sent all details on statements to show insurance premium amount, loan amount, interest rate, all on statements. They offered 1200, plus interest amounting to 1700 total. I declined the offer because I paid alot more considering interest on the insurance premium, which totals over 3500. I sent further info to them to support the evidence that I did have a 10,000 loan and showed the full starting premium insurance amount which was 2026 on top. They have now sent another letter stating I never took out ppi with them and have no evidence even though it's in black and white on the statement. They also state that they are closing the complaint unless I can provide further information that I took out a loan with them. The letter took 7 days to reach me and I have only 3 days to contact them otherwise my complaint is closed. I don't believe the situation is being dealt with fairly at all and after last time on the phone with them, I feel I will be knocked back again. Does anyone know if I can find this info going back 12 years. I have always had a good credit rating and wondered if a report would show the loan was taken out and insurance paid.

Jugs

Hi,

What are people's experience with Barclaycard ? I sent a letter asking for a copy of my original agreement and got a letter back saying they are looking into it but that was about 6 weeks ago !!!
I wrote in the original letter that they should sent me it within two weeks (as per Martin's template), but they seem to have ignored that part.
Have other poeple experienced delays with Barclaycard ?

cappo

fido90 wrote: »

After receiving an offer from LloydsTSB which was an average settlement because the bank apparantly has no evidence that a loan was taken out with them. It was back in 1998 and I sent all details on statements to show insurance premium amount, loan amount, interest rate, all on statements. They offered 1200, plus interest amounting to 1700 total. I declined the offer because I paid alot more considering interest on the insurance premium, which totals over 3500. I sent further info to them to support the evidence that I did have a 10,000 loan and showed the full starting premium insurance amount which was 2026 on top. They have now sent another letter stating I never took out ppi with them and have no evidence even though it's in black and white on the statement. They also state that they are closing the complaint unless I can provide further information that I took out a loan with them. The letter took 7 days to reach me and I have only 3 days to contact them otherwise my complaint is closed. I don't believe the situation is being dealt with fairly at all and after last time on the phone with them, I feel I will be knocked back again. Does anyone know if I can find this info going back 12 years. I have always had a good credit rating and wondered if a report would show the loan was taken out and insurance paid.

Hi Fido i had exactly the same with them i've now sent it too the fos

cappo

Jugs wrote: »

Hi,

What are people's experience with Barclaycard ? I sent a letter asking for a copy of my original agreement and got a letter back saying they are looking into it but that was about 6 weeks ago !!!
I wrote in the original letter that they should sent me it within two weeks (as per Martin's template), but they seem to have ignored that part.
Have other poeple experienced delays with Barclaycard ?

Very much so jugs, i had a claim rejected, sent it to the fos, barclays then said they would make a goodwill payment with no admission of liability, chased them for the money only to get a letter saying they were rejecting it again, so once again i sent it back to the fos that was 3 months ago and i've heard nothing since.

Leigh1984

Hi All,

This is my first time on here..

I had a natwest loan which I am still paying for as I went into financial difficulty.

The loan total was £8.490, I sent a letter in regarding the PPI and they have offered me about £2.400, my remaining balance is £2.828, they have not accepted liability and offered this as a good will gesture do I respond and ask them to clear the debt also how do I respond I cant a letter on here for responding to PPI claims.

Thanks all

seanl_2

As above guys. I'm in the Armed Forces, and its possible I may be medically discharged in a few months time. I have been mis-sold PPI, as I actually turned it down when asked on my Bank Loan. I'm glad I do have it now though! Although I obviously still have a case, if I make the claim will it negate the cover should I lose my job in future?
Obviously I don't want to make a claim, and then need PPI in a few months time when I cannot afford to make repayments!

Thanks in advance.