PPI Reclaiming discussion

leggydan

tiggrae wrote: »

do you have any evidence from say a student loan, or your entry fees to university - perhaps you ring / write to the college and ask them for a copy of details of your entry and length of course etc

Hi - thank you for your reply!! :-)

I have all my information from uni which i will send but it doesn't prove that i wasn't also working 16hrs a week as well. I figured if i did have a part time job say working 8 hrs a week i could have shown these wage slips as proof but i don't even have this!

tiggrae

leggydan wrote: »

Hi - thank you for your reply!! :-)

I have all my information from uni which i will send but it doesn't prove that i wasn't also working 16hrs a week as well. I figured if i did have a part time job say working 8 hrs a week i could have shown these wage slips as proof but i don't even have this!

evidence of being in full time education should be enough !

leggydan

tiggrae wrote: »

evidence of being in full time education should be enough !

I'll give it a try! Thanks again for your help - it's really appreciated :beer:

lornz23

tiggrae wrote: »

they have 8 weeks in which to make a final response

Thanks for your help :beer:

jpwhittle

hi
i am new to this after only occuring bank charges once they stopped it. initially my husband didnt want to do this but i made him and it turns out from the calculator on here that we could potentially walk a way with £9000. we have 3 ppis we used to pay that we know about one from capital one and 2 bank loans.
so the letters are going of as soon as we work out what we are owed and fingers crossed it goes our way.
does anyone have any experiance with claiming from capital one? we had a snotty (on their behalf) phonecall with them today and they said send the letter and we will look into it. sounded promising though as they have already been fined.
our grounds for misselling are that it was added without us knowing and husband is in the RAF so hes never going to be out of work. are these ok?
thanks

jpwhittle

can someone help me please capital one say i paid 79p in £100 on ppi. and we had around 10k on the card but it only seems to work out we can reclaim £79 pound. is this right? how does everyone work it out?

cocker100

jpwhittle wrote: »

can someone help me please capital one say i paid 79p in £100 on ppi. and we had around 10k on the card but it only seems to work out we can reclaim £79 pound. is this right? how does everyone work it out?

Hi,

You pay 79p in every £100 for every month that you have a balance on the card. So if you had £10000 on the card then you would be paying £79 for every month that you had that much on the card.

For example: If your balance on the card was approx £10000 for 10 months, then you would be paying approx £79 x 10 = £790 over these 10 months.

For each month that you had a balance on the card. Add up the different ppi amounts based on this formula and you will get a grand total.
This is what you can reclaim.

Hope this helps.

jpwhittle

thankyou it just clicked i was working that out on a one onth basis and we had this for 3 years almost. will be sending the letter tomorrow now. whats really funny is cap1 said they dont have our records as we cancelled it in 2006. i dont mean its funny as to rob them just found the whole thing amusing as they couldnt tell us amounts properly.
fingers crossed anyway this could really help us out.

gt568

jpwhittle wrote: »

thankyou it just clicked i was working that out on a one onth basis and we had this for 3 years almost. will be sending the letter tomorrow now. whats really funny is cap1 said they dont have our records as we cancelled it in 2006. i dont mean its funny as to rob them just found the whole thing amusing as they couldnt tell us amounts properly.
fingers crossed anyway this could really help us out.

Rubbish, they'll still have the records. They are trying to put you off.

Milki

Need a little help here....
I'm going to be reclaiming some money back from my bank and credit cards/store cards but i am worried that they will close the accounts when i do. can they do this? I'm worried because i cannot afford to pay of the remainder on any of these accounts.

I'm claiming from:
Evans store card/GE Money ppi approx £100
Capital One credit card ppi approx £110
HSBC credit card charges approx £20
HSBC credit card ppi approx £520
HSBC loan ppi approx £2558 (if i calculated right)

Has anyone had any of there accounts with these company's closed or can they not do this ?

Thanks in advance