PPI Reclaiming Discussion Part 5

toni66

Hi again, ive got claims going through with both lloyds and nationwide, can you tell me, i have independent sickness cover, plus i get the usual 6 months and 3 months half pay at work, also i noticed i have accident death plan. I m going to send off my independent forms, just to show proof, but would it help me sending the other accidental death plan proof too, or does that make no difference, i not too sure
Thanks
Toni

CC card win with nationwide £1201

sassyone19

HI AGAIN I SENT A PPI LETTER OFF TO MY GRATTAN CATALOGUE theyve replied saying they dont uphold my claim as the policy was taken out 3 years after opening my account n cancelled 6 years later,plus im out of the time limit 2001xi dont remember how this policy was sold to me think it may have been over the phone but i do remember cancelling it as i phoned them thinking they wudnt let me cancell it just like that but they did?any opinions is it worth taking my case to the fos?or is that the end of line with itxany input welcomex

[Deleted User]

seanl wrote: »

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!

I suppose you could compare how much you are likely to receive from an upheld PPI mis-selling complaint and how much you would receive from a PPI claim? Bear in mind that your PPI would only pay out for a year.
A successful complaint would result in your PPI policy being cancelled and your loan being re-worked.

cappo

sassyone19 wrote: »

HI AGAIN I SENT A PPI LETTER OFF TO MY GRATTAN CATALOGUE theyve replied saying they dont uphold my claim as the policy was taken out 3 years after opening my account n cancelled 6 years later,plus im out of the time limit 2001xi dont remember how this policy was sold to me think it may have been over the phone but i do remember cancelling it as i phoned them thinking they wudnt let me cancell it just like that but they did?any opinions is it worth taking my case to the fos?or is that the end of line with itxany input welcomex

Hi Sassy fos it, the lenders are making up lots of excuses and giving lots of reasons (wrongly) for rejecting claims now.

cappo

seanl wrote: »

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.

Hi sean i agree with mark, ultimately it's up to you but as he says it'll only payout for a year anyway.

sassyone19

cappo wrote: »

Hi Sassy fos it, the lenders are making up lots of excuses and giving lots of reasons (wrongly) for rejecting claims now.

thanks its worth a tryx

TW2012

Hi all,

Newbie here and looking for anyone with experience dealing with the Halifax. I submitted my PPI claim in May 2011 (yes that's right...), received a settlement letter for just over £3K in October, accepted, and am still waiting for the money after 26 weeks! Are others dealing with the Halifax experiencing such waiting times? Everytime I call, their useless customer service people tell me the same thing "its with the redress team and you can't speak with them". No one can tell me anything and they don't sound like they care either!

daisychain9

sassyone19 wrote: »

HI AGAIN I SENT A PPI LETTER OFF TO MY GRATTAN CATALOGUE theyve replied saying they dont uphold my claim as the policy was taken out 3 years after opening my account n cancelled 6 years later,plus im out of the time limit 2001xi dont remember how this policy was sold to me think it may have been over the phone but i do remember cancelling it as i phoned them thinking they wudnt let me cancell it just like that but they did?any opinions is it worth taking my case to the fos?or is that the end of line with itxany input welcomex

Hi Sassyone19

Can I ask what address you sent your Grattan PPI letter to? and what did they mean by out of the time limit 2001? Also did you request any info from them beforehand (as in SAR) or did you just go ahead and put in your claim? Sorry for all the questions i'm trying to work out whether I have valid reason for a missell or not with them but I think prob not.

Thanks

CupcakeSquirrel

Hi,

Sorry if this has been asked before - it's a LOOOOONNNG thread - but can anyone tell me if you can claim PPI on insurance such as contents or car insurance? Have found reference to PPI on two policies that I definitely wasn't told about when I took out the policy.

I'm assuming that by paying monthly you are effectively loaning the money for the full policy from them, which you pay back on your monthly deal.

Thanks.

sassyone19

daisychain9 wrote: »

Hi Sassyone19

Can I ask what address you sent your Grattan PPI letter to? and what did they mean by out of the time limit 2001? Also did you request any info from them beforehand (as in SAR) or did you just go ahead and put in your claim? Sorry for all the questions i'm trying to work out whether I have valid reason for a missell or not with them but I think prob not.

Thanks

hi i just wrote a complaint letter to grattan,po box 3856,sheffield,5965wd,they got back to me within 3 days,their number is 08445565566.hope this helpsim sending my complaint to the fos now,grattan just saying that im out of the time limit to claim as it was nov 2001 wen i had the insurancexi have the insurers address to its assurant general insurance ltd,po box 1032,uxbridge,ub89pw,good luck