PPI Reclaiming Discussion Part 5

poppyloppy

thought it was strange that they say this is there final response but if i can provide them with agreement numbers they can continue to look into it

Jugs

amersall wrote: »

A copy of the card agreement may do you no good as ppi may have been put on at a later date , is this card closed?.

I still use the card and it still has the PPI on it, it was there from the beginning as far as I remember.

acute18

I did have 2 different loans one in 2003 with alliance and leicester now santander i was i think ewmplyed as this sates on the ppi agreement i have also have a account with them too and the other with Marble loans in 2004, i have both the credit agreement, the marble loans one has a tick box yes/no but the a/l does not, can i claim if so what for, i was under the impression as i was self employed that if i didnt have protection i probably would not get the loan so said i wanted it does this matter. please help!! both ppi was paid alongside the payment each month until they finished. not sure but was a/l fined for misselloing a could i go this route about what about marbles where they fined?

di3004

acute18 wrote: »

I did have 2 different loans one in 2003 with alliance and leicester now santander i was i think ewmplyed as this sates on the ppi agreement i have also have a account with them too and the other with Marble loans in 2004, i have both the credit agreement, the marble loans one has a tick box yes/no but the a/l does not, can i claim if so what for, i was under the impression as i was self employed that if i didnt have protection i probably would not get the loan so said i wanted it does this matter. please help!! both ppi was paid alongside the payment each month until they finished. not sure but was a/l fined for misselloing a could i go this route about what about marbles where they fined?

Hi and welcome

Some will cover for self employment but not all, so if you no longer have hold of the policy details, they should send them free of charge on request.

However, you should not have been told that you will not get the loan if you do not accept PPI, as it should have been confirmed it was optional, so yes this is yet another reason of being mis sold.

Check for more info below, then on step 3 there is a reclaim questionnaire, complete and send to the ones responsible for selling you the product, if they have been taken over, then you would I assume send to the ones who have taken over from the other.
Remember to keep copies for yourself as well.

Good luck.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

jenneh

Hi all! My partner took out a £7,000 loan about 7 years ago. He lost his job a year after and the account was transferred to APEX credit management. They keep pestering him, and hes only been paying what we can afford (we both work now, but have 2 children to provide for) which is £30 per month. He called them a month ago to check up on the account, and they say the amount owed is almost £15,000!!! He asked for details of payments ect, on several occasions, but they've failed to provide it. We dont know if we can claim mis-sold PPI on this account?! We really dont know where we stand, and i dont trust the ppi companies out there. Sorry for the long one!

mill1980

amersall wrote: »

The payment each month included the interest, so they have given you this and the 8%, the 8% is taxable, if BOS did not take the tax before they gave it you then you need to inform HMRC if you are a taxpayer.


On the BOS loan the interest and the ppi is in with the monthly payment, they just show this separately.

ah ok i see thanks for the info, yeah new about the tax thing thank you

-MKB-

Hello all, I've got a Capital One credit card which I've found that I've been paying PPI when I opened the account since 2001! After reading through what I'm supposed to be doing it still isn't clear to me what I need to send to Capital One. Can someone help me here please, I'd really appreciate it. I can see the questionaire link but is it this I need to send to them?

[Deleted User]

-MKB- wrote: »

Hello all, I've got a Capital One credit card which I've found that I've been paying PPI when I opened the account since 2001! After reading through what I'm supposed to be doing it still isn't clear to me what I need to send to Capital One. Can someone help me here please, I'd really appreciate it. I can see the questionaire link but is it this I need to send to them?

Read here;
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance
If any reasons apply to you, then follow the simple steps.

acute18

DiZZY DEE ;-)

so fill in the form and state that was self employed at this time, understood i needed the ppi else wouldnt get loan, am i write in saying that a/l were fined for misselling and do u no if marbles still around?
then send form to bank, or shall i call them first to say i wish to claim and let them send me one of there forms?

[Deleted User]

acute18 wrote: »

DiZZY DEE ;-)

so fill in the form and state that was self employed at this time, understood i needed the ppi else wouldnt get loan, am i write in saying that a/l were fined for misselling and do u no if marbles still around?
then send form to bank, or shall i call them first to say i wish to claim and let them send me one of there forms?

Just send the form straight away , you'll wait long enough for their responses as it is!