PPI Reclaiming discussion

LISAW_2

nova wrote: »

Thats fantastic news, well done you, you have to wish me luck now coz nationwide said a big fat no 3 times so have written a really stern letter mentioning all those "acts"!! and given them 7 days or court, l hope l've done the right thing! l think they probably rely on us chickening out:T

All the luck in the world to you.... speak to someone high up if you can or email them the letter. its not difficult to get the md's name off the website and take a guess at the email.

LTSB pushed me to the edge and nearly beat me, just dont give up xxx

nova

LISAW wrote: »

All the luck in the world to you.... speak to someone high up if you can or email them the letter. its not difficult to get the md's name off the website and take a guess at the email.

LTSB pushed me to the edge and nearly beat me, just dont give up xxx

Oh thanks for that,if it had'nt been for all you lovely people l would have just "ok" to the 1st letter of NO!! Nationwide just seem to be paticularly difficult.

MWH1

ClaireT wrote: »

Thanks for your reply. I got the loan over the phone, then they sent a courier with the paperwork to sign and collect. Having looked at the loan agreement again today, there is a box to tick to say I wish to purchase PPI. As I haven't got a copy of the signed one I don't know whether or not I ticked that box. Would they give me a copy? I will probably send Halifax another letter and see what happens!

I successfully obtained a copy of my credit agreement from my provider after I requested an SAR (Subject Access Request). Having read some other posts there can be a £10 fee involved. Send a letter giving them the details you have and tell them what you want. In my letter I wrote the following:-

Under the data Protection Act 1998 and the Limitation Act of 1980 you must supply me with this information.

Give it a try and see how they respond. Happy to help.:D

T4FF

T4FF wrote: »

My question relates to the fact I have no idea (aside from the one bank account which did have overdraft cover and I do have the paperwork for thanks to reclaiming bank charges on it ) whether or not any of the finance I took out had insurance. Unfortunately, I have very little paperwork from old agreements, so I am doing this blind.

Now from what I've read in the article, Martin suggests that I should contact each creditor requesting a copy of the initial agreement using his template letter, but does this not constitute a subject access request? Therefore, would I not be required to pay £10 to each company I request this info from?

The predicament I'm in is that if this is the case, it could cost me upwards of £100 to find out I might not have had insurance!?!?!? So I'm wondering what I should do? Will these companies ask for money off me?

Any suggestions? I guess I could go after the one I'm sure of in the first instance then use the money from that to look at the others. Any way of getting round not paying all the tenners??

gt568

LISAW wrote: »

I have posted it here instead cos i know a few of you have been following this case with interest!

Guess what.... how long have i been waiting to write this!!!!!

Just had a call back from the head of complaints and he has overturned the decision and is gonna refund my policies!!!!

Not sure of exact figures as yet, but anything is better than the sod off they first offered me!!

Its gonna be £3400 hopefully plus the interest as it was top loaded and the interest @ 8 % from 1998!!!

If anyone can give me a rough idea that would be great...

Guys, I have argued and tried every trick in the book with this, and finally, the good man at LTSB ( and he was lovely ) has agreed as a matter of good will. My faith is a little restored...

Yahoo.... if wales win the rugby tomorrow it will be the best weekend of my life so far!!!

Thanks everyone for you support, I wouldnt have kept going with out


:beer: :beer: :beer: :beer: :beer:

Well done! See if people keep plugging you'll get your money back.

angelwillow

Getting fed up with GE's curt responses of 'no' but has anyone actually had any success with the FLA as they were useless at trying to sort out my card charges with GE and I had to take them to court - will I have to do the same again?

suzysmum

Binbun wrote: »

Hi everyone

I'm new to this forum and just starting out on PPI reclaiming. I have a couple of questions can anyone point me in the right direction please

Some years ago I had PPI from GECapital on a few store cards, then around 1997 I was ill and lost six months from work (depression/anxiety/stress etc) and claimed on the insurance. They paid out to cover the cost of the repayments for some of the time I was ill. However, in 2000 I was ill again and claimed again, but was told I was not covered as I had a preexisting condition. After claiming in 1997 I had notbeen told that I was no longer covered for depression/anxiety. I then cancelled the insurance in 2000. I'm wondering now if I can claim. Perhaps for the period after 1997... Can anyone offer any advise.

I also have an Egg credit card (although no longer used and has 0 balance) PPI appeared on my statements mid 2002, although I would have had the card for over a year at that time. So not sure why it just appears then. I cant even remember agreeing to this cover, and given my experience with GECapital and having a preexisting medical problem would not have been covered anyway, I would assume. I cancelled it a year later as it stops early 2003. Having paid out over £600 in insurance. However, should I just claim stating that i was missold as I was not questioned on existing medical problems?

Can anyone tell me where I can find out if Egg or GECapital has been fined.  I believe there is a list but have been unable to find it

Many thanks in advance.

Bun

I am trying to claim from GE Capital and Capital One who way I agreed to taking out the PPI but on looking back I have blood pressure since 1998 which is still not controlled would this be classed as a pre-medical condition.

I'm not sure what the next step to take.

Many thanks

Suzysmum

sheirron

moo_cow wrote: »

Okay, firstly have been browsing this website for a few weeks and i've been inspired by so many people on here to do something about mis-sold ppi, credit card charges etc. so thank you all of you ! especially Martin for creating this website.

Anyway my situation is this. I wrote to GE Money just over a week ago regarding 2 loans accounts. I have the paperwork for one here in front of me, original loan amount £11,400. PLUS single premium PPI £2194.50. the loan was payable over 24 years (it was taken out in june 2006). The other loan which was the first one was for £26,000 and off the top of my head I believe the PPI was added to that amount at around £6,000-£6,500. I do still have the paperwork but have filed it in the attic somewhere. this loan by the way was taken out about 12 months earlier so around june 'ish' 2005.
I have had the standard response from GE Money to say they are investigating both accounts and will respond within 4 weeks of the date of reciept of my letter to them (7th march). HOWEVER, I now think I may possible be chasing the wrong people as the loans were provided to me through loans.co.uk
should I abandon the claim to GE Money and go straight to loans.co.uk OR will this confuse things?
and my reason for my claims are that I was in reciept of DLA (still am) which loans.co.uk knew about. I still have the paperwork from them asking for proof of the benefit so as they could count this towards my income. (which GE later refused to count this as part of my income, therefore they were aware that I was in reciept of this benefit). when I read through the PPI t&c's it quite clearly stated that the reasons for which I claim DLA (disability living allowance) are not covered hence my reason for the claims.

I used the template letter by the way (thank you martin)

also do I now bite the bullet and go for credit card charges on 3 cards over the last 5 years or so and I believe I may have even been mis-sold PPI on a lloyds tsb loan which I recently cancelled the PPI on after paying it for 10 months. (by the way, by cancelling the PPI on the loan they made me refinance the whole loan into a new loan. are they allowed to do this?)
I have now found an old catalogue statement this morning from Abound (now called additions) and I was apparently paying account cover on that at the rate of £12.23 on a £629.67 balance (dated april 2006 by the way). I wonder how long I was paying that for.
I have to state that at this point i'm very very frightened of going after lloyds for cc charges (2 of the cards belonged to them), bank charges and PPI incase they get stroppy. I also have my mortgage through them so i'm kind of wimping out where they're concerned. and to be honest I really could do with the money as we're finding things very very tough at the moment.

i've seen so much on here. any advice would be truly appreciated.
thank you guys!

the 1st letters i sent to ge money i received a reply which stated if i was pursuing mis selling of the policy i should go direct to the broker who arranged the loan (1st loan it was the mortgage group who arranged it and the 2nd one was through capital one ) but if i wished to cancel the policy and apply for rebate then i could reply to them within 28 days which is what i did. so i would suggest if you just want a rebate wait for ge money to get back to you but if you are claiming you were mis sold the policy go direct to the agent who set it up hope this helps

petermb_2

nova wrote: »

Hi petermb, what was is that made you a former broker etc? was is the way in which you had to sell loans or a comination of things. l hope you dont mind me asking it's just interesting to have an inside view!

It was a combination of things but i am not the only IFA who has "dropped out". There have been many like me. The fact that I do what I do now was more a game of chance some five-six years ago. Not what you know but who.

petermb_2

Clairel29 wrote: »

Hi, I am chasing First Plus and Central Capital for my PPI reclaim. Should I drop Central Capital?

Thanks
Claire

My advice is always that you should go to the lender and do not mjust look at ppi mis-selling. You may be selling yourself way short if you do. That is why you should seek our ethical professionals. The issues of financial irregularities are far too complex for most borrowers. It has only taken me 6 years to know what i know andi am still learning about this stuff.