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PPI Reclaiming Discussion Part 5

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Comments

  • amersall
    amersall Posts: 17,037 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    hill37 wrote: »
    Hi,sent first template off to Barclays and they replyed saying that according to them,i havent got a case.Had a £5000 loan a few years ago,dont remember asking for PPI and on my satements,years after finishing it,im still paying PPI!Should i persist?

    Could you be a bit clearer with this, why are you still paying PPI on a closed loan and receiving statements?.
  • aayush
    aayush Posts: 1,295 Forumite
    Part of the Furniture 500 Posts Name Dropper
    i have been advised by MBNA that as I took this as on line application cation I am not able claim PPI from them ?

    Why As it all the same can some advise what i can to please
  • dunstonh
    dunstonh Posts: 120,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    aayush wrote: »
    i have been advised by MBNA that as I took this as on line application cation I am not able claim PPI from them ?

    Why As it all the same can some advise what i can to please

    The PPI issue is not about the product. it is about how it was sold. In your case you bought online. So, no-one sold it to you. You bought it.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    aayush wrote: »
    i have been advised by MBNA that as I took this as on line application cation I am not able claim PPI from them ?
    It's not "all the same", I'm afraid.
    If you applied online, then you mis-bought if the insurance was not suitable for you. It can only be mis-sold if someone actually sold it to you.
  • aayush
    aayush Posts: 1,295 Forumite
    Part of the Furniture 500 Posts Name Dropper
    ok you say i bought but the not have my sigunrue on the applacation as it was online ?
  • -taff
    -taff Posts: 15,412 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    They don't need your signature, you actively chose it online.
    Non me fac calcitrare tuum culi
  • dunstonh
    dunstonh Posts: 120,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    aayush wrote: »
    ok you say i bought but the not have my sigunrue on the applacation as it was online ?

    Signature means nothing. You still bought it without it being sold to you.

    Out of interest, what were your complaint reasons?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • aayush
    aayush Posts: 1,295 Forumite
    Part of the Furniture 500 Posts Name Dropper
    as anyone compliant sold some or bought some not need but found out hard way
    like bough 2 bottles of coke fromAsda and got over charged but bought to give to a charity was advised brin g in receipt and we will refund you so why not for PPI
  • costingbunny_2
    costingbunny_2 Posts: 305 Forumite
    Hi
    I had a mortgage with Halifax in 2002 for 3 years and paid Total Mortgage Protection Plan even though was I self-employed. The mortgage was joint and my partner separated years ago.
    Halifax have said that the TMMP was made of mortgage repayment ocver, life cover and critical illness cover and therefore only the mortgage repayment part is related to the complaint.
    They have set out the part of the TMMP, added on 8% interest and then agreed to part me half (my whereabouts of my ex are not known). I am assuming this is all I am entitled to as it is set out and states that the monies will be sent to me unless I call them.
    Just want to check that I am right - bit disappointed with the amount as I thought it would all be repayable - still better than nothing I guess. Cheers
  • aayush
    aayush Posts: 1,295 Forumite
    Part of the Furniture 500 Posts Name Dropper
    I wish to find out if i can get any thing for a policy taken out for ill health and loss of job as I left my last job and tried to get something for m them the said no but am sure am due something as paid into to this for years and got nothing back from them which I think is a scam in the first place
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