PPI FAQs discussion thread

[Deleted User]

PRINCESSX87 wrote: »

Should i just download letter from here and give it a bash,

Did you even have PPI on this account?
If not, you hardly have a complaint.

You need to do far more research before "giving it a bash".

cjlogan23

Are any of the companies legit that are offering to help you claim PPI. I'm just not confident enough to do it myself nor do I have the time.

Thanks

dunstonh

Are any of the companies legit that are offering to help you claim PPI.

yes

I'm just not confident enough to do it myself nor do I have the time.

What makes you think using a company will be quicker? They ask you to fill out their version of the DIY form. So, why not fill out the form and send it directly yourself?

Liz1959

My bank say I can't claim PPI refund because they wrote to me 3 years ago asking if I wanted to cancel the policy. I didn't at the time because I was still repaying the loan but have since found out that because they didn't inform me that as a diabetic I wouldn't have been able to make a claim as it was a pre-existing condition when I took the loan out. Can I still make a claim for a refund? I thought I had an unlimited time to decide to do this?

dunstonh

Liz1959 wrote: »

My bank say I can't claim PPI refund because they wrote to me 3 years ago asking if I wanted to cancel the policy. I didn't at the time because I was still repaying the loan but have since found out that because they didn't inform me that as a diabetic I wouldn't have been able to make a claim as it was a pre-existing condition when I took the loan out. Can I still make a claim for a refund? I thought I had an unlimited time to decide to do this?

Couple of points on this:

1 - there is a 3 year timebar that can be applied under FSA rules. Most providers have yet to put in place the requirements to allow that. Some are currently doing so. Your provider feels that as they wrote to you three years ago, they can apply the timebar.
2 - being diabetic does not necessarily prevent you from claiming on the policy. You cannot claim for diabetes related illnesses but you can claim for unrelated illnesses and unemployment. Most people who make this sort of allegation end up finding out they are covered. Just not in the area of the illness. Your severity of diabetes will largely dictate who well covered or excluded you were.

If you disagree with the timebar and feel they are implementing it incorrectly then you can refer it to the FOS.

cityoflights

I'm new, please be nice!

I've had a Credit Card since 2008 with Halifax, repayment cover or PPI still on the card. I specifically remember the day I got the card (in branch) and the conversation with the advisor - I was advised that the card CAME WITH cover, not that it was optional in its nature, which I believe it was, of course.

I've been meaning to look into this for years, but I wanted to ask if you lot think I have a reasonable chance of success if I submit a claim?

Many thanks.

dunstonh

cityoflights wrote: »

I'm new, please be nice!

I've had a Credit Card since 2008 with Halifax, repayment cover or PPI still on the card. I specifically remember the day I got the card (in branch) and the conversation with the advisor - I was advised that the card CAME WITH cover, not that it was optional in its nature, which I believe it was, of course.

I've been meaning to look into this for years, but I wanted to ask if you lot think I have a reasonable chance of success if I submit a claim?

Many thanks.

Being lied to is a mis-sale. However, verbal conversations are notoriously hard to prove. If the only wrong doing is an allegation from you which cannot be proven and Halifax have nothing on file to suggest you were told that then you would expect rejection unless the amount involved is small (small amounts are often cheaper to pay out then go through the process) or you get lucky with an auto-payout (Halifax dont appear to be doing that now) or there is another failing they have seen on their files (or you have a stronger complaint reason to go with it) which leads to a redress payment.

Kristin241

Blackhorse requested that I pay a £10 admin fee so they can look up the details of the loan I took with them (to help investigate me PPI claim). Has anyone else experienced being asked to pay a charge?

dunstonh

Kristin241 wrote: »

Blackhorse requested that I pay a £10 admin fee so they can look up the details of the loan I took with them (to help investigate me PPI claim). Has anyone else experienced being asked to pay a charge?

Yes. For closed accounts/repaid loans, they do not need to supply you copies unless you pay £10 under a Data subject access request (and even then they may no longer have a copy)

ladymud

I've had 3 loans with Natwest - 2 closed, 1 active, all with PPi.

I've written to Natwest asking for copies of my agreements and they have replied that the paperwork has been misfiled and they can't provide it. (Then remind me that this doesn't mean I can default on a payment..).

What can I do now?