PPI Reclaiming Discussion Part 5

Evertongirl

Question for you, any advice appreciated, my ex husband tried to claim ppi back off an old business account, they didnt give him anything but then started hounding me, i ignored their calls until today when i rang them back, they say im owed money from a loan i had years ago and that theyve had an offer for me, that i signed some paperwork in april , i didnt sign anything, they had my address down as my ex husbands address so whether he forged my signature or not i dont know but i definately didnt sign anything, thing is they are saying i will owe them almost half of what im owed, quedtion is, do i have to pay them even tho i didnt sign anything oe ask them to search for ppi for me? Thanks for reading x

dunstonh

Evertongirl wrote: »

Question for you, any advice appreciated, my ex husband tried to claim ppi back off an old business account, they didnt give him anything but then started hounding me, i ignored their calls until today when i rang them back, they say im owed money from a loan i had years ago and that theyve had an offer for me, that i signed some paperwork in april , i didnt sign anything, they had my address down as my ex husbands address so whether he forged my signature or not i dont know but i definately didnt sign anything, thing is they are saying i will owe them almost half of what im owed, quedtion is, do i have to pay them even tho i didnt sign anything oe ask them to search for ppi for me? Thanks for reading x

Who is hounding you?

Complaints to banks does not cost anything. If you are due some money from a bank because of an upheld complaint then it should come directly to you with no charge deducted. So, who is telling you that you owe them?

Nasqueron

It sounds like your ex employed a claims company to investigate PPI, forged your signature and they won the case on a joint loan and now want their fee. If you didn't employ them and it was a fake signature then you owe them nothing but I'd be asking where your refund went - perhaps starting with the place you had the loan

ModestyB

Hi I hope you don't mind me jumping in. I finally got around to claiming PPI for a bank loan we had some years back. I had no paperwork or proof that we'd paid this but we had paid nearly £6000 back for a £3000 loan so I knew that something was wrong. So I put in a claim with just the year we had the loan in. Last week we received a cheque from the bank. So thanks to Martin and MSE we now have £1,938 in the bank. I am so grateful. :T:T:j

Evertongirl

Sorry i didnt make it clear, my ex tried to claim ppi from his old business account, the ppi company have told me im owed money from a personal loan i had years ago, they said i signed an agreement in april, i didnt, my ex obvs signed it in my name , its backfired on him as hes owed nothing but im owed money, lloyds tsb are apparently going to send me a cheque but the ppi company ( that i didnt authorise to search for any ppi) have told me i will have to pay them nearly £1500 out of the money as i signed an agreement with them , which i definately did not, am i liable to pay them what they are asking for?

dunstonh

Evertongirl wrote: »

Sorry i didnt make it clear, my ex tried to claim ppi from his old business account, the ppi company have told me im owed money from a personal loan i had years ago, they said i signed an agreement in april, i didnt, my ex obvs signed it in my name , its backfired on him as hes owed nothing but im owed money, lloyds tsb are apparently going to send me a cheque but the ppi company ( that i didnt authorise to search for any ppi) have told me i will have to pay them nearly £1500 out of the money as i signed an agreement with them , which i definately did not, am i liable to pay them what they are asking for?

You have no contract with the claims company and no liability to pay them. However, your ex does have the contract and has the liability to pay them.

They will likely huff and puff and threaten but they cant do anything against you.

Evertongirl

So he could be liable to pay the £1500 to them even tho he hasnt received a penny off them ? :j: that would make my year , il wait to see if i actually receive the cheque and once its cleared in my account il tell them im not liable. If i make a song and dance about my signature being forged ( altho i dont know how i would prove i didnt sign it) would they be able to stop the repayment by the bank? Sorry for all the questions, im suspicious of people wanting to give me money x

dunstonh

So he could be liable to pay the £1500 to them even tho he hasnt received a penny off them ? : that would make my year ,

Technically, he would be. However, its unlikely the legal ombudsman would let the firm get away with it in the event of a complaint.

altho i dont know how i would prove i didnt sign it)

you dont need to prove it as you didnt sign it. However, things like did they write to your address confirming their contract with you. Did they supply your address with a terms and conditions.

ould they be able to stop the repayment by the bank?

No.

Sorry for all the questions, im suspicious of people wanting to give me money x

Lots of ex partners have found money turning up like this because of the other. So, its not new. I also suspect yours is not the first with a forged signature either.

Evertongirl

No all documentation went to my ex husbands address, they are now forwarding all paperwork to my address ( copy of agreement) lloyds tsb have apparently sent letters to the address i lived in when i had the loan ( moved out of there nearly 7yrs ago) iv spoken to them and they now have my current address so are sending the cheque here. Thanks for all you help x

Nasqueron

ModestyB wrote: »

Hi I hope you don't mind me jumping in. I finally got around to claiming PPI for a bank loan we had some years back. I had no paperwork or proof that we'd paid this but we had paid nearly £6000 back for a £3000 loan so I knew that something was wrong. So I put in a claim with just the year we had the loan in. Last week we received a cheque from the bank. So thanks to Martin and MSE we now have £1,938 in the bank. I am so grateful. :T:T:j

Well done on your win but paying back a lot more than you borrowed is normal with a loan, especially for those with poor credit history - even with the PPI element. 8% simple interest on top of the refund of premiums adds up as well.