PPI Reclaiming discussion

macca51

hello ive been paying mppi since 1991 with the halifax do i have a claim to get it back as im self employed thankyou macca51

k1mmie

sarahjane81 wrote: »

What were you reclaiming: Secured Loan

Who was the provider: Citi Financial
How much did you get back: £3573.74
Did you get it back after a letter or did you go to the Financial Ombudsman: Went through Ombudsman,(but they paid it off their own back very strange.)

Didn't think I would be posting this so soon thought they would drag it out forever.

Story goes: 1rst letter sent 15th May requested £2700 + £1553 interest at their shocking 25.9% APR Total £4253.
They acknowledged said they would look into it.
2nd letter sent 4th June
They were still looking into it.
Waited for 8 weeks sent off forms to the Ombusman on 16th July.
That week got letter offering £500 as a goodwill gesture as they had lost all of our documentation, did not accept that.
Sent this letter to the Ombudsman. 13th August got letter from the Ombudsman saying it has been passed to an investigator.
Then out of the blue today receive a letter from Citi Financial with a cheque attached only £680 less than the full amount requested. So very very happy,(sorry it's a bit long winded.) :rotfl::D

Hubby and I had a loan with these people which was paid off back in 2001 when we sold our house. Is it too late to ask for statements and whether PPI was charged?

k1mmie

Please advise me as I am new to this thread. Hubby and I had a loan with Citi financial that was repaid when we sold our house in 2001. Is it too late to ask for statements and charges and ask wether PPI was paid as I cannot remember?

Also We took out a loan for a car with Welcome finance but my husband was not in full time employment (he was a contractor and basically self employed - this was all explained to the broker). PPI was included and then the whole loan balance was transfered over to Welcome when we needed another loan. We agreed to PPI when this was taken out in october 2006, however with the extra amount I am not sure this is the right thing to do. Can PPI be cancelled during a policy and should we get a reduction on the amount of time outstanding (this is based over 180 months - so expensive).

lisa_78

Firstly, I reclaimed my bank charges successfully some time ago, so thanks to Martin for that.

Has anyone had any succes reclaiming PPI from Tesco Personal Finance???.

I have written to them but no joy as yet. I felt though it was mis-sold because when i applied for the loan, I did tell them i did'nt need it, but they kept on how good it was blah blah, and sort of implied it would help the application. They have now written back to my letter saying - they always tell customers its optional , and i signed the agreement, and that I had a further 14 days to cancel it afterwards. Is it worth pursuing???

greengrass

Prepared my letter today to send off, we took out a loan for £5000 1n 1999
with HSBC, They would not give me the loan unless I took out the ppi.

tarafizz

has anyone tried to claim back ppi from the clydsedale bank?? i've just been on the phone to them and they are saying that i can't cancel ppi as it is part of my loan the only way to cancel it is to take out a new loan!!!

gt568

lisa_78 wrote: »

Firstly, I reclaimed my bank charges successfully some time ago, so thanks to Martin for that.

Has anyone had any succes reclaiming PPI from Tesco Personal Finance???.

I have written to them but no joy as yet. I felt though it was mis-sold because when i applied for the loan, I did tell them i did'nt need it, but they kept on how good it was blah blah, and sort of implied it would help the application. They have now written back to my letter saying - they always tell customers its optional , and i signed the agreement, and that I had a further 14 days to cancel it afterwards. Is it worth pursuing???

Of course, why not just send the 2nd template letter. Nothing to lose is there?

AbbieH

PPP

can someone please advise if I can claim back on a payment protection plan with Ford car credit?? im paying £14 per month....im no longer working and have foiund out that i cannot claim on unemployment, just critical illness and death!

HELP

regularsaver1

macca51 wrote: »

hello ive been paying mppi since 1991 with the halifax do i have a claim to get it back as im self employed thankyou macca51

they cover self employed

help_my_bob

I have just posted off 2 claims tonight so fingers crossed