PPI Reclaiming discussion

m.colak

Elsie2 wrote: »

Hi all. Just wondered if anyone has taken any companies to court with regards PPI yet? And if so, whether you could help me figure out what to put in the particulars of claim. Thanks.

Have successful taken black horse to court for one loan PPI (which was settled by taking another loan) and in the process of taking them again for another loan plus halifax for credit card PPI and a halifax loan PPI.

DebtMagnet

m.colak wrote: »

ok will make it transparant if your policy was active within 6 years ago then yes you can claim. I am claiming from Halifax who never mentioned PPI or the fact i had to pay it in the first place. This means that it wasn't explained and in fact am paying for something i don't want. You claim from the bank --- they are taking your money not the third party company --- do not get suckered in a who blames who situation. The bank can claim it back from the third party.

Many thanks for the speedy response m.colak!!

I better get on with my first letter then

Cheers,
DM

Stillsmiling

m.colak wrote: »

Easy one really did anybody consult with you about PPI if your name is on the loan too. If its a no then you have a reason for complaint. If not then the fact that they sent the information about PPI out rather than explain it in an interview is also a bone of contention. You have a claim if any of the above ring a bell.

Apparently not, they discussed it with my husband. He was at home with our children at the time (and working part time) whereas I have always been the main wage-earner. They say that they sent out the documents to us which were the same as discussed on the phone. So I guess they are implying that I will have read them too.

So, as the wage earner it would have only been my salary that was covered by the PPI anyway.

BTW thanks for your help!

aligerdie

hi there,

i've had a read through this thread, and i can't see the answer to my question, although i may have missed it, so apologies!

I have written to Egg regarding a loan which I took out in December 2004. I stated my reasons for reclaiming were the fact the ppi was a single based premium.

I received a letter telling me where to go and they do not accept my complaint, however, after reading more into it, i realised the cover was for sickness, redundancy, unemployment, or death.
I have been employed in the civil service since 2001, and so have full sick pay etc.

Because of this being another reason for reclaiming the ppi, do i need to start again with the first letter? or carry on to the ombudsman and state my new reasons there too?

Sorry if this doesn't make much sense, this is how its swimming around in my head and i'm confused! any help would be greatly appreciated.

Thanks

NannyB

Hi,
I sent egg first letter for reclaiming ppi at the end of october, had the 'no' reply 8 weeks later, I sent the second letter on the 19th december and haven't even had an acknowledgement , i am reclaiming sold as single premium...i sent it recorded delivery, i am wondering what to do now, any advice please, would be much appreciated....

nova

Hiya,
l dont think l'll bemuch help but l've tried to claim off egg and l think thats their standard response hoping we'll give up. l would send a 2nd letter (if you have'nt done) so saying what you have just said in your post. l've got mine with the FOS so will keep you posted, but with mine egg sent me a copy of the agreement saying that l had ticked unemployment,sickness and life and l know l would'nt have had life because have got that covered already.
Hope this helps a bit.

YEOSAL

A BIG THANKS TO CHECKEDSHIRT WHO KINDLY LET ME LOOK AT HIS LETTERS SENT TO LLOYDS TSB. I HAVE SENT LLOYDS TSB AND DFS SERIOUS NO-NONSENSE SECOND LETTERS YESTERDAY AND WILL TAKE THEM TO COURT IF THEY DONT PAY UP. HOW HAVE THESE BANKS GOTTEN AWAY WITH THIS FOR SO LONG, IT IS BULLYING OF THE MOST PROFITABLE KIND.

THANK YOU TO ALL WHO ADVISED ME. IF I HAD NOT FOUND THIS SITE I WOULD NEVER HAVE KNOWN I HAD BEEN RIPPED OFF AND COULD RECLAIM PPI.:beer:

WILL BE PREPARING BANK CHARGES RECLAIM SOON, IN THE HOPE THE CASE IS FAVOURABLE, AND LOOK OUT CREDIT CARDS, I AM ONTO YOU TOO!!! :mad:

THIS IS A GREAT WAY OF GETTING BACK AT THESE PEOPLE, BUT CANT CALL IT REVENGE AS ONLY GETTING BACK WHAT WE PUT IN!

Elsie2_2

m.colak wrote: »

Have successful taken black horse to court for one loan PPI (which was settled by taking another loan) and in the process of taking them again for another loan plus halifax for credit card PPI and a halifax loan PPI.

Thats really useful, thanks. What did you put in your particulars of claim when you originally sent the details through to the Court? There is a standard one on the site for Bank Charges which i've used befoe, but i'm not sure how to alter it for PPI's. Cheers.

cocker100

Hi all,

Well, 14 days came and went and the snakes at First Plus never even replied to my third letter.:mad: I guess this is where war is declared! The question is FOS or the courts? The original ppi loan amount was £11360, well over the limit for the small claims court. I know that larger amounts are sometimes dealt with in the small claims court, but what are the chances of this sum of money? What happens if it goes to the main court. Do I have to appoint a solicitor? How much would all this cost me if I lost? Would First Plus actually go to court and contest it? Loads of questions to answer I know, but need some sound advice on my next step.:o Can you go to the FOS and start court proceedings at the same time? I would like to start the ball rolling with the courts, but dont know if I have the bottle!!!:eek: FOS sounds a safer bet, even though it takes a lot longer.

Any advice would be greatly appreciated!!!(Look at the time - I cant sleep!!!)

Kaia_2

Sent my letter off to Freedom, will keep you all posted on the outcome.
Been a good girl today and got out a box of old statements/invoices etc
to check if I have any other possible claims.
I have a personal loan with Lloyds Tsb taken out in 2004 for approx £5000
paying over 5 years. unsure if there is PPI on it , so phoned the telephone number on the letter to ask if they could tell me, but they said because the loan has been sold on to a collection company, I would have to ring them and ask them if there is PPI on the loan as Lloyds no longer hold any details on the file. Strange!...thought they would be able to tell me that.
Will be ringing in the morning to find out.
My question is..... if I have got PPI on the loan and need to claim it back... do I claim from Lloyds Tsb or the BCW collection group who took on the debt.
I believe there to be approx £450 left outstanding on the loan at this current time, and having read other posts believe the debt would be reduced rather than them send me a cheque or credit my current account, which is absolutely fine by me, I would rather it that way, but what IF the claim was much higher, would the balance be paid off and the remainder sent to me, how does it work, would be grateful for any advice
:beer: Cheers