PPI Reclaiming successes and failures

Uniscots97

Looking for some help please. I had a Dorothy Perkins store card and a Wallis one. Both had their balances cleared sometime between 2004 and 2006, but the account remained open (I never asked for them to be closed though I believe they as in both of them wrote to me to say they were closing them due to inactivety in 2008 or 2009). These have PPI on them but written as insurance, can I still claim? Who would i write to?

di3004

Ladyvaletta wrote: »

Firstly, the SAR letter doesn't seem to quite apply. I don't have the original loan details, and I can't remember if I paid PPI on it, so to find out was going to be my first task. I also didn't have/don't have the loan account number, but they letter I received today detailed the account number, and acknowledged that I did have a loan with them. If I just want to find out whether I paid PPI (which would have been mis-sold as I have always been self-employed, and I also had other death/critical illness insurance that I know I was not asked about when I took out the loan) then I would go forward and seek to reclaim the PPI if it was applied. But are they right in saying they don't have to tell me anything - and as they have in fact cashed my cheque, are the obliged to do so anyway, do you think?

Hiya

Normally requesting for the agreement is the first step before making a reclaim, so you can request for this if you have no other details of the loan, the account number or if you did not know you were paying for ppi.
You do not have to request for this if you do have some details of the account.

Basically, even though the loan is settled/closed, they should still hold the main details of the loan from the last 6 years.
Many of us have been in the same situation where the loan have been paid off, but the main details they should still therefore hold if the loan was taken out in the last 6 years, they are expected to hold data for that long.
A SAR is a longer version to request for all data on your account and not just for the copy of the CCA (Agreement). This request they have 40 calendar days and for a copy of the agreement only is normally 12 days.
Any problems, in receiving your data you can make a complaint to the Information Commissioners Office (ICO) or ask them for advice.
https://www.ico.gov.uk/Global/contact_us.aspx

http://www.ico.gov.uk/for_organisations/data_protection.aspx

In regards of the reclaiming, you complete the reclaim questionnaire as on step 3 below.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

Complete and keep a copy for yourself, send one to the head office or complaints dept of whoever set up and sold you the account, allow 8 weeks for a decision.

di3004

Ladyvaletta wrote: »

By the way, I had a claim dealt with and a £1800 paid to me within 4 weeks by Capital One! Is that a record?

Wow that is great, well done!:beer:

Probably one of the quickest ones, Congratulations!:T

di3004

unixgirluk wrote: »

Looking for some help please. I had a Dorothy Perkins store card and a Wallis one. Both had their balances cleared sometime between 2004 and 2006, but the account remained open (I never asked for them to be closed though I believe they as in both of them wrote to me to say they were closing them due to inactivety in 2008 or 2009). These have PPI on them but written as insurance, can I still claim? Who would i write to?

Hello there

Yes you can still make a reclaim if you have reasons for being mis sold, it makes no difference if active or settled.
You pursue the head office or complaints dept of whoever set up and sold you the ppi.

Below is the questionnaire to make a reclaim,complete and send, keep a copy as well, and allow 8 weeks for a decision, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step3

Uniscots97

di3004 wrote: »

Hello there

Yes you can still make a reclaim if you have reasons for being mis sold, it makes no difference if active or settled.
You pursue the head office or complaints dept of whoever set up and sold you the ppi.

Below is the questionnaire to make a reclaim,complete and send, keep a copy as well, and allow 8 weeks for a decision, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step3

thanks, who do I write to? Is it the bank listed on the statement or the company themselves? Sorry if this is a daft question

di3004

unixgirluk wrote: »

thanks, who do I write to? Is it the bank listed on the statement or the company themselves? Sorry if this is a daft question

I would write to the ones on the statement.
My son was mis sold a burton's store card ppi when he was a full time student, and he used the address on the back of the statement. Not a daft question, normally its a case of pursuing the ones who sold the account, but store card wise I have been informed the address as shown on the statements.

Wishing you luck.;)

looby_loo

hi there thought id update complained to HSBC in sept 2010, then was put on hold like everyone else so i went to ombudsman after 8 weeks that was dec 2010 had a few letters from them keeping me updated .Today i got a phone call saying ive been assigned a person to look at my case for my loan and an old credit card with ppi which i knew nothing about. hope this is a step in the right direction for getting my money back

di3004

looby_loo wrote: »

hi there thought id update complained to HSBC in sept 2010, then was put on hold like everyone else so i went to ombudsman after 8 weeks that was dec 2010 had a few letters from them keeping me updated .Today i got a phone call saying ive been assigned a person to look at my case for my loan and an old credit card with ppi which i knew nothing about. hope this is a step in the right direction for getting my money back

Hiya Thanks for posting up.

That is very good news, hopefully you will hear of a decision in your favour very soon, fingers crossed.;)

Footiemad_2

h0pusp0pus wrote: »

some good news this morning from mbna regards my abbey credit card they have upheld in my favour and agree i was miss sold the ppi insurance policy and they are refunding my money

break down as follows

total amount of ppi charged since sale of card £292.82

total amount of interest associated with ppi premiums £852.82

8% amount £0.00

total = £1145.64

no 8% interest would it be worth taking this to the ombudsman or would it be such a small amount that it just wouldnt be worth it and if going to the ombudsman and they have agreed that it was miss sold would they award the 8%

they are putting it towards my balance owed which is a good thing because it will send my monthly crippling payments down and i wont waste it on buying something lol

a huge thank you to di and amersall and everyone else who has helped and offered help to me your all a fantastic bunch

i originaly put my complaint in around the 18th of may 2011

just gotta hope for a good result from the other 4 now

and to everyone else it can be done so sit tight and get back whats yours!!!

Well done and congratulations. Good news for others who are waiting for MBNA to respond to their claims.:T:T:T:beer:

Footiemad_2

gdecruz wrote: »

:T
Egg reclaim for incorrect PPI selling against loan

Full amount paid + interest - letter received 10 days after claim sent!:rotfl:

£10,000

As I also had an egg credit card. I am now going to try that too

Fantastic.. well done you:money::money::beer: Good luck with the card.