PPI Reclaiming Discussion Part 5

Twennyfifdeen

Hi,
First post on here.

I had a PPI with a company who, over the years, had been taken over by a number of companies and have ended with Santander.
I claimed repayment as I know I was mis-sold it and have already successfully claimed others back.
Santander said 'no' so I went to the FOS, who said I was probably entitled to it, but that Santander were not part of some finance/insurance body (can't remember what it was exactly) at the time, so I could not claim it back.
Is there anything I can do now, or is it too late? I had the response from FOS in February this year.

-taff

If the FOS said no, then no it is. There is nowhere else to go.

magpiecottage

It all depends on who the policy was originally taken out with, and whether they were under the jurisdiction of FOS or one of its predecessors at the time.

A number - such as Abbey National, Alliance & Leicester and Bradford & Bingley, were under the Building Societies Ombudsman.

Others, including store cards, were not.

Twennyfifdeen

The original company was G E Money and it was for a store card. The FOS said I should be entitled to claim it all back but there was a loophole in that Santander were not in the whatever they neede to be in. Just frustrating because it was GE Money who it was with originally, who sold me the PPI when they should not have. I paid it for 10 years and it seems they have got away with it.
Thanks for the reply anyway.

carras

I had a MARBLES credit card back in 1997. It was taken over. I know I was paying a monthly sum for PPI and I think it was £7.99. In December 1997 I collapsed with what was eventually diagnosed as a brain tumour. This was sucessfuly removed in 2002. The card no longer existed and unfortunately all the statements have since been shredded.
I put in a claim and recoeved just a couple of hundred pounds tegerth with a document stating THE END. I do have the card number and the repayment details.
I do not believe I recieved full repayment and just don't know where I stand. Have you any suggestions?

Sadiah

Hi
I am new to this forum and not sure I am posting to the right place so apologies. I need some advise re PPI. I complained to Halifax back in 2014. I never received the decision letter which they apparently sent to me. I then took my complaint to the FOS but they said they could not look into it as it had been over the 6 month deadline and the bank would not allow them to. I told them I never received the final response letter but they said it was sent to me and that they had a copy which they then sent me and because I was out of the time frame they could not do anything. I complained within what I was the 6 month timeframe but apparently the final response letter was sent before the 8 week deadline therefore I missed the deadline. Anyway I have since found further evidence to show that I did bit need PPI can I asked the bank to reopen my case and send them a new form with all the new info? Do I need to ask them to reopen the case or just start a new one? Will they look at it or just say no based on previous one. If they reject it again do I get to go to the FOS again within 6 months? Any advise would help. Thanks Sadiah

-taff

Your complaint has already been dealt with, and you are out of time for the FOS. You can ask them, but they will probably come back withthe same esponse.
No harm in a stamp though....

welshborderer

Does anyone have a considered opinion on this issue?


Will the recent ruling in Plevin v Paragon Personal Finance (failure to reveal commission payments) have an impact on mortgage indemnity insurance charges?


A few years ago MII used to be levied as a matter of course by the mortgage provider without and discussion or further information. You were told you had to take it or you couldn't get a mortgage. The fees could at times be considerable.


I have no idea whether it was the mortgage company or a third party who provided the insurance but if it were a third party who provided it, and the mortgage company received a commission for arranging the sale of it, would the provision of the mortgage be deemed unfair under the 1974 Consumer Credit Act?


Any advice would be greatly appreciated.

dunstonh

Will the recent ruling in Plevin v Paragon Personal Finance (failure to reveal commission payments) have an impact on mortgage indemnity insurance charges?

None whatsover

I have no idea whether it was the mortgage company or a third party who provided the insurance but if it were a third party who provided it, and the mortgage company received a commission for arranging the sale of it, would the provision of the mortgage be deemed unfair under the 1974 Consumer Credit Act?

Consumer credit act didnt apply to mortgages and MIG is not a personal insurance.

Plus, MIG is not PPI so not applicable to this thread.

moneyangel22

Hello,


Is there a template letter for asking a bank review a claim they had previously rejected please? I have looked everywhere i can think of but cannot see one.


Many thanks