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3 PPI Claims = ALL REFUSED
I_am_in_debt
Posts: 2 Newbie
Hi there,
I am new to this forum and thought I would join as I am in dispair at the moment.:(
I put in 3 PPI claims for 3 different accounts and all have been refused.
I just get that generated letter that they do not see any reason that PPI was mis sold to me :eek: in the first place.
Do I just take this lying down or do I find the little energy I have to fight for this and take it to the Financial Ob... I do not have much paperwork though that is my prob, I am a fan of shredding
The worse part with one of them is a halifax credit card.... I went into a debt management plan a year back and basically been slowly chipping away at the balance due for the past year.. (paid circa £800) it only came to my attention last month that I had been paying PPI payments each month which knocked my payments out :mad: and so I claimed at this point as I had no idea this was happened... surely being in a DMP they would stop charging someone PPI (EVEN though I had no idea I was paying this in the first place) but surely they would have seen this and stopped charging PPI payments to a customer in a DMP who they know is struggling, does not need the card anymore, its not been used for over a year and is just trying to pay off the balance.... anyway even after the refused claim I sent a letter to them saying can they at least refund me from the point of me being in a DMP so that the money I have paid off (800) is not completely lost and I am at square one again!! ..... guess what NO!! refused again!! how can they be so heartless... please can someone advise me as I am so upset to know what to do or do I even bother fighting anymore. The ppi payments have now stopped as they kindly advised me.
I only knew I had PPI as they sent me a PPI annual review letter! something I had never received before!!..... FUNNY THAT!!!! :mad::mad:
What if I request a copy of my application form? will they send this to me?
CONFUSED........ HELP PLEASE!!
I am new to this forum and thought I would join as I am in dispair at the moment.:(
I put in 3 PPI claims for 3 different accounts and all have been refused.
I just get that generated letter that they do not see any reason that PPI was mis sold to me :eek: in the first place.
Do I just take this lying down or do I find the little energy I have to fight for this and take it to the Financial Ob... I do not have much paperwork though that is my prob, I am a fan of shredding
The worse part with one of them is a halifax credit card.... I went into a debt management plan a year back and basically been slowly chipping away at the balance due for the past year.. (paid circa £800) it only came to my attention last month that I had been paying PPI payments each month which knocked my payments out :mad: and so I claimed at this point as I had no idea this was happened... surely being in a DMP they would stop charging someone PPI (EVEN though I had no idea I was paying this in the first place) but surely they would have seen this and stopped charging PPI payments to a customer in a DMP who they know is struggling, does not need the card anymore, its not been used for over a year and is just trying to pay off the balance.... anyway even after the refused claim I sent a letter to them saying can they at least refund me from the point of me being in a DMP so that the money I have paid off (800) is not completely lost and I am at square one again!! ..... guess what NO!! refused again!! how can they be so heartless... please can someone advise me as I am so upset to know what to do or do I even bother fighting anymore. The ppi payments have now stopped as they kindly advised me.
I only knew I had PPI as they sent me a PPI annual review letter! something I had never received before!!..... FUNNY THAT!!!! :mad::mad:
What if I request a copy of my application form? will they send this to me?
CONFUSED........ HELP PLEASE!!
0
Comments
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You havent told he what your reasons for complaint were and what evidence you have to support the reasons. We need to know to offer opinion.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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A DMP doesnt mean the creditor has to stop interest, charges or even PPI. You are relying on their goodwill.0
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Perhaps they weren't mis-sold?0
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