PPI Reclaiming Discussion Part 5

sassyone19

I have a cou[ple of claims for ppi at the mo not heard much back yet but thanks guys for all the top advice on here

Lin31

My first posting and I'm looking for help/direction...

I had a car finance loan in 2004 (started/arranged in Dec 03 or Jan 04) through RFS Ltd (Renault Financial Services). I don't have any paperwork left....stupidly had a clear out when I moved address and thought given the length of time and the fact I haven't owned the car for a number of years meant I was safe to shred it! Anyway I think it was arranged for 3 years and payments were around £150-160 a month (dont even recall the loan amount!) - I made all my payments on time though didn't settle early or anything. I am sure I had PPI on it although I didn't need it as my employer has a good sickness payment policy...I don't think I was ever given options by the garage salesman who set it up for me as if it had been presented to me as a choice I am sure I would have declined it.

Anyway since it was set up pre 2005 and not with a bank am I best to go through a claims company or where do you suggest I start? I have emailed the ombudsman to ask if RFS were regulated by the FSA before 2005 and am awaiting a reply.

Am hopeful that some good will come of this though appreciate its been a long time since I took out the loan....

Red82

Hello,

I have just rang egg and asked for the ref no for a loan I had with PPI on. Turns out I had two!! Both paid off, 1 paid off Nov 2003 and other 1 paid off Apr 2008. When I took these out I was told I could not have the loan UNLESS I took out PPI.

When I called they said they could raise the claim for me over the phone, which I did stating the reason above.

Now I did try and claim PPI back ages ago on one of the loans around 2007, at the time I was told I could not claim as they could not find the recordings of the phone calls??!!! So told me I had no proof.

So my questions are:
1 - Have I done the right thing?
2 - Is what they said true, and if so are they likely to turn my application down now?
3 - Has anyone had trouble with claiming form Egg?

Thank you for your time in reading

wool1965

hi
totaly confused about ppi. i am paying 3 debts with creditors . how do i find out if ppi is on these debts ?

welshdave1601

Hi All, I'm very new to this so please forgive me if this isn't the right place.

I had a vanquis card for about 2 and a half years, I have quite a large balance on it and have realised that I am also paying for a repayment protection scheme. If I'm honest it was only when I checked after doing some investigation that I realised that this was adding to my account and quite a lot at that. So my question is has anyone had any success claiming against Vanquis, I can't seem to find any? Can I still claim if I have an outstanding balance and if so if the claim doesn't cover the balance can they make life dificult by reclaiming the amount outstanding?

Trying to get on an even keel as would like to start a family.

Thanks for reading

Dave

Tasape

hi we took ppi out as we were tol to get the mortgage amount we had to have it it was done thro a n agent who came to our house and worked for home bank,the critical illness cover etc was with scottish provident

who do i write and send my c laim to please

hartcjhart

I had a large loan (75k)apx 8 years ago that was secured against my old house and was told I needed this insurance,
I lived abroad for a few years and now live in a different area,
can I find out who I had the loan with as I cannot remember??

waddy80

Bit of advice from the experts please.

I'm about to submit a claim to Tesco re a credit card I took out in 2000 by post. I have obtained a copy of my original application, and I did tick the box (I was young and naive). All the form says is cardholder payment protection is designed to protect your Tesco visa card payments in the event of death, accident, sickness or involuntary unemployment. We strongly reccommend you take this cover. For cover just tick the box.

I think that this constitutes a mis-sell as they had not assessed my needs. How can they reccommend without an assessment? At the time I was on a zero hour contract, so would not have been able to claim on unemployment and already had some life cover. I was also living at home with little outgoings. So does this sound like a good case?

I cancelled the ppi in 2005 when I became a lot more financially aware, will this go against me?

Drako69

Hello all,
I checked my credit file to see if i could find a account number for a black horse loan but was unsuccessful so i made notes of the dates. The loan ended in October 2006, I called black horse and presented them with the details and requested the account number. The very nice lady on the other end checked on her computer and said there was no information on this loan. She checked the address and also a previous address but still no luck. Surely they should have this info as it is less than 6 yrs since the loan finnished. Is this just a stalling tactic ? Has anyone else experienced this problem.:(

Regards

waddy80

waddy80 wrote: »

Bit of advice from the experts please.

I'm about to submit a claim to Tesco re a credit card I took out in 2000 by post. I have obtained a copy of my original application, and I did tick the box (I was young and naive). All the form says is cardholder payment protection is designed to protect your Tesco visa card payments in the event of death, accident, sickness or involuntary unemployment. We strongly reccommend you take this cover. For cover just tick the box.

I think that this constitutes a mis-sell as they had not assessed my needs. How can they reccommend without an assessment? At the time I was on a zero hour contract, so would not have been able to claim on unemployment and already had some life cover. I was also living at home with little outgoings. So does this sound like a good case?

I cancelled the ppi in 2005 when I became a lot more financially aware, will this go against me?

And no where on the application form does it explain the costs.