PPI Reclaiming discussion

wornoutmumoftwo

I took out a loan in 2001, I don't think I was askied if I wanted PPI insurance it was just on there when I signed the contract. Had I been asked I would have no.

I canceled it about a year and a half ago.

Would this be a case in which I could apply to get my ppi payments back up to the time I canceled it?

tiggrae

Manky66 wrote: »

Hi Tiggrae OR ANYONE WHO CAN HELP just to give you an update from my claim regarding PPI Insurance alongside our mortgage 8 years ago for sickness & unemployment but my husband always been and still is self-employed got letter just before xmas saying they would respond by 18th January thats fine remember I said I would post in new year with any developments, you wouldn't believe how incompitant they are, just had letter saying they have no records of us having PPI ON A LOAN !!!!!!! It was actually PPI ALONGSIDE OUR MORTGAGE so Im back to square 1 now, I called them over Xmas after letter came, They said I would receive a call back NO CALL SO TODAY I HAVE CALLED THEM again!!! AWAITING CALL AGAIN - DO YOU THINK THIS HELPS MY CASE - THIS HAS BEEN GOING ON SINCE 13TH NOVEMBER AND I KNOW 8 WKS ARE NOT UP yet BUT I FEEL IVE GOT TO START AGAIN !!:mad:

ANY HELP WOULD BE APPRECIATED

I'd write back and tell them to look again, give them the mortgage account number - it's always better to get things in writing - don't be disheartened, these claims are never quick and only a small percentage are straight forward

tiggrae

jen1972 wrote: »

hi all....just given Black Horse a friendly phoned as not to be the bad guy, and spoke to a really nice lady who is going to consult her colleague this afternoon on my claim, i am at the off to court stage but thought i'd give them one last chance to play fair, my grounds for complain is the ole misrepresentation selling (no ppi no loan) but the lady has said i signed the form so not to expect good news but the thing is cause we signed the forms cause it was all one form including the ppi bit, any advise before i head down the court route please????

Fill in the N1 County Court claim form and send it to them as 'a courtesy' saying you'll send it to the courts and commence proceedings if you don't have a more positive response

tiggrae

wornoutmumoftwo wrote: »

I took out a loan in 2001, I don't think I was askied if I wanted PPI insurance it was just on there when I signed the contract. Had I been asked I would have no.

I canceled it about a year and a half ago.

Would this be a case in which I could apply to get my ppi payments back up to the time I canceled it?

yes, but remember you can only go back 6 years

wornoutmumoftwo

Excellent, I'll do my letter tomorrow, it was 2003 I took it, brain cells not recovered from Xmas/New Year yet.

:j

sc0tsman

Does anyone have the postal address for Credit Link Brokers?

Thanks

gt568

sc0tsman wrote: »

Does anyone have the postal address for Credit Link Brokers?

Thanks

CreditLink
1st Floor Nathaniel House,
David Street,
Bridgend Industrial Estate,
Mid Glamorgan CF31 3SA

Is this the one? Google is your friend.;)

keelysmile

Hi - Alliance and Leceister

I recently wrote to them using Martin's 1st letter and they have replied saying.

...After careful consideration of your case, I can confirm that on this particular occasion our Advisor referred you to the documents to review your policy benefits and exclusions in your terms and conditions that were enclosed. as a result, I apologise, but I cannot agree that your POlicy has been mis-sold; therefore I am unable to refund any insurance premiums.

I will keep your complaint file open for 8 weeks to give you time to consider my response; if I have not heard from you by then, I will regard you complaint as closed....

What do i do know, if I had know that I did not need PPI then I would not have accepted the agreement in the first place. Do I just give up now or carry it on further? Are they correct in their reply or just trying it on?

Thanks

gt568

keelysmile wrote: »

Hi - Alliance and Leceister

I recently wrote to them using Martin's 1st letter and they have replied saying.

...After careful consideration of your case, I can confirm that on this particular occasion our Advisor referred you to the documents to review your policy benefits and exclusions in your terms and conditions that were enclosed. as a result, I apologise, but I cannot agree that your POlicy has been mis-sold; therefore I am unable to refund any insurance premiums.

I will keep your complaint file open for 8 weeks to give you time to consider my response; if I have not heard from you by then, I will regard you complaint as closed....

What do i do know, if I had know that I did not need PPI then I would not have accepted the agreement in the first place. Do I just give up now or carry it on further? Are they correct in their reply or just trying it on?

Thanks

Read the reclaiming article and send the 2nd letter.

worrygirl

Hello Everyone !

Can anyone tell me if I should cancel the PPI policy I have with a Natwest loan? - the reclaim is with the FOS and I am still waiting to here an out come but should I wait to cancel the PPI of will it just automaticaly stop?

Thanks in advance