PPI Reclaiming Discussion Part 5

-taff

you usually have 14 to cancel your contract with them
Do it in writing asap

Clairemac_2

Hi I have just received £1200 from the Halifax and I am on a bit of a ppi mission now. I contacted ford credit and they basically said if its over 6 years old then they don't have the info BUT if I have reference number then they could help. I had a new car on options every 9 months from 1992 -2000 so could potentially be a nice amount .
So I'm thinking maybe a good reputable ppi company could help as better to have 75% of something than 100% of nothing which right now is what I have from ford credit
Any suggestions or thoughts on this would be greatly appreciated . I would never have needed ppi as I get 100% sick pay form24 months , a redundancy that would be worth a years wage plus benefits and various death in service benefits

-taff

Doesnt matter that you wouldn't hve needed it, they weren't regulated until January 2005 and can dismiss any complaint.

dunstonh

I had a new car on options every 9 months from 1992 -2000 so could potentially be a nice amount .

Except that most car dealers were not regulated until January 2005.

So I'm thinking maybe a good reputable ppi company could help as better to have 75% of something than 100% of nothing which right now is what I have from ford credit

And how do you think a CMC would help?

Clairemac_2

Hi thanks for your reply . I didn't realise that they could dismiss a claim if it was before 2005 . My ppi claim with Halifax was from 1991 I just thought if I complained then they had to investigate. It appears I have been lucky with regards to the Halifax. Also I thought the a ppi company might be ble to access records that I would not have the ability or the knowledge to do . Oh we'll neverind Ford credit 1 me 0 💩

dunstonh

My ppi claim with Halifax was from 1991 I just thought if I complained then they had to investigate.

Banks have to consider pre-regulation complaints as they were members of an earlier body.

Also I thought the a ppi company might be ble to access records that I would not have the ability or the knowledge to do .

That would be unlawful if they did.

Clairemac_2

Ok makes sense really but thought it might be worth a shot . Thanks for your reply x

Frosty371

Hello,

Can I just ask a quick question.

Where do I stand if I claimed when I was made redundant, so was getting my loan paid for?
I assume I cannot then claim it was mis-sold, regardless of whether I wanted it or not when taking out the loan ?

Thanks
Frosty

magpiecottage

louise_cox84 wrote: »

If I passed my details to a PPI company over the telephone, including name of bank and former address details, have I entered into a contract with them? I agreed to 33% 😁 but have now changed my mind and would like to contact bank myself. I haven't received anything in the post and therefore haven't signed anything.

No - they have to put it in writing and you have to accept it in writing. Although this can be done online, a telephone call is, by definition, not in writing.

Nasqueron

Clairemac wrote: »

Ok makes sense really but thought it might be worth a shot . Thanks for your reply x

Where on earth do you work that gives 2 years full pay sick leave and a years salary as redundancy pay? Are they hiring?