PPI Reclaiming Discussion Part 5

Misscarlyi

Moneyineptitude wrote: »

Not on mortgages it doesn't. Only if they told you that the PPI was compulsory when it wasn't would you have a valid mis-selling complaint.

Please don't duplicate your posts.

That's exactly what I'm saying....we were advised that PPI was a compulsory condition of the approval? So who would be liable the adviser (Halifax) or the seller (countrywide)???

Apologies for duplicates. Like I said I'm a newbie.

dinkyshaw

Moneyineptitude wrote: »

I'm not "expecting" you to do anything, I'm warning you that this isn't going to just go away.
The CMC know that there are other loans with PPI from that lender because you told them so!

I understand what your saying and I know you " don't expect " anything, all im saying is why in 18 mnths have they only sent me a sars agreement now if they know for sure I have other loans.....surely they would have kept up with the contact if they believed I owed them money. They sent me a bill and I paid them that so to me that was the end of it. If in the end I have to pay them I will but im not giving it to them easily

[Deleted User]

Misscarlyi wrote: »

.we were advised that PPI was a compulsory condition of the approval?

As I said, with mortgages that can indeed be the case, especially if you received "free" mortgage advice.
You need to check prior to any "complaint".

[Deleted User]

dinkyshaw wrote: »

why in 18 mnths have they only sent me a sars agreement now if they know for sure I have other loans.

Because they work very very slooooowly!

luckybert

I cant remember account details, card numbers or dates so can a company check out to see if I'm entitled to anything without this information??

If so what website/company to use please?

[Deleted User]

luckybert wrote: »

I cant remember account details, card numbers or dates so can a company check out to see if I'm entitled to anything without this information??

No, you have to do any such research yourself.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

Lolo6677

Hi all, I am a first time user so if I am posting in the wrong place please let me know.

I made a claim for PPI from RBS going back to 1997 and I had all the paperwork but the company I used said it was a no go.
Only yesterday a friend of mine told me of their successful claim to the same bank going back to 1994/5 and they had their money refunded no problems.
I have read on here about not using companies to make the claim for you but to do it yourself which I would like to do now and need the right info on how to go about this.
The company I used made me aware I was due around £4,500 in PPI charges.
If you can help me find the right way to go about this I would be very grateful.

Many thanks

davefairbrother

Hi
I am new to these forums and would like some help with a possible ppi complaint i may have

I have a Royal Sun alliance Mortgage payment protection, which i was monthly for. It is dated back to 1998 but i have the original paperwork and agreements.

I was thinking of taking this complaint directly to the FOS and let them deal with it ?

Any advise would be greatly appreciated :beer:

[Deleted User]

davefairbrother wrote: »

I was thinking of taking this complaint directly to the FOS and let them deal with it ?

You have no access to the Ombudsman until you've allowed the seller of your insurance the allotted time to consider your complaint as per the correct complaints procedure.

Read this article and follow the simple steps;
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

fermi

http://news.sky.com/story/1210972/banks-abort-ppi-deadline-talks-after-fca-snub