PPI Reclaiming Discussion Part 5

DDave_2

amersall wrote: »

Let me know what they say.

I will for sure suspect I will hit another problem but great to find some support and expertise here. Thanks and good night

dilus

amersall wrote: »

:mad: Do not swear on this forum :rotfl:

:rotfl::rotfl::rotfl::D

amersall

DDave wrote: »

I will for sure suspect I will hit another problem but great to find some support and expertise here. Thanks and good night

You are very welcome x.
I know what to do next if they reject :cool::cool::cool: you are in good hands Good night.

amersall

dilus wrote: »

:rotfl::rotfl::rotfl::D

Well :p i am right though?

amersall

Night night dilus :A sleep tight don't let the bed bugs bite x

dilus

amersall wrote: »

Night night dilus :A sleep tight don't let the bed bugs bite x

Night amersall :A

solbamba

amersall wrote: »

:mad: Do not swear on this forum :rotfl: no contest, do it yourself a company will only post the form off, why would you give someone a hefty % for posting a letter?.
Claiming is so easy and free

Thank you Amersall. Also, I have a loan with Sainsbury's Bank.

I have just found, just by chance, a credit agreement which states.
Insurance premium is £750.36 and "We will use the insurance premium to the provider of the PPI".

I genuinely do not remember asking for this, perhaps I should have checked this when I got the loan. Do you think I might have grounds for approaching Sainsbury's about this? Or am I being naive.

Thank you for your help.

monstermuncher

Bloomin' Capital One! :mad:

Got my SAR back today, along with a copy of my credit agreement where the box for PPI is....unticked and unsigned for. They've put a big cross next where you sign, plus a big tick by the PPI box and another big cross where you sign for that. It's really heavily infuencial, although I still didn't opt for it.

Nonetheless, guess what I've been paying every month since the card opened? I was totally naive about money back then (reading back my statements at the way I've handled my finances made me cringe!) and it wasn't until the card was closed I was even aware what PPI was. I've downloaded a spreadsheet to work out how much I should have back plus the interest, which comes to £1,300. I'm going to send everything off tomorrow, (FOS form, copy of the spreadsheet, covering letter) but I know from what I've read they'll be very difficult. I'm dreading it a bit to be honest

dilus

solbamba wrote: »

Thank you Amersall. Also, I have a loan with Sainsbury's Bank.

I have just found, just by chance, a credit agreement which states.
Insurance premium is £750.36 and "We will use the insurance premium to the provider of the PPI".

I genuinely do not remember asking for this, perhaps I should have checked this when I got the loan. Do you think I might have grounds for approaching Sainsbury's about this? Or am I being naive.

Thank you for your help.

This sounds like upfront PPI, you will have paid this from the beginning and paid interest over the term of the loan. Fill in a questionnaire and give your reason that it was "upfront PPI" and you require them to repay you the PPI you have paid including the interest that you have paid on it plus 8% standard interest. If you send it to Sainsbury's Bank they will forward it to Bank of Scotland and you should get a reply to say they are investigating, send it recorded delivery with a copy of the agreement you have. Keep a copy of the questionnaire for your records. They currently have 8 weeks to make a decision but upfront PPI is a big no no and should be upheld. Good luck and keep us updated on progress

dilus

monstermuncher wrote: »

Bloomin' Capital One! :mad:

Got my SAR back today, along with a copy of my credit agreement where the box for PPI is....unticked and unsigned for. They've put a big cross next where you sign, plus a big tick by the PPI box and another big cross where you sign for that. It's really heavily infuencial, although I still didn't opt for it.

Nonetheless, guess what I've been paying every month since the card opened? I was totally naive about money back then (reading back my statements at the way I've handled my finances made me cringe!) and it wasn't until the card was closed I was even aware what PPI was. I've downloaded a spreadsheet to work out how much I should have back plus the interest, which comes to £1,300. I'm going to send everything off tomorrow, (FOS form, copy of the spreadsheet, covering letter) but I know from what I've read they'll be very difficult. I'm dreading it a bit to be honest

Think positive, you are sending everything you can to back up your case, most important DON'T give in, let us know what they come back with