PPI Reclaiming successes and failures

rene36

Can any one help me. i have taken out ppi with recats finance and a company called vertbaudet. I started this loan back in feb 2004 and did a template letter stating that i did not even remember taking this out and was probably pressured into it. They got back to me 1 week late stating that i basicly received sufficient information around the time of taking out the policy and they would not give me any thing back, however as a good will gesture they would take £38.08 off my account which adds up from the last three months of cover. Do i take this or continue with the second template letter?

marshallka

rene36 wrote: »

Can any one help me. i have taken out ppi with recats finance and a company called vertbaudet. I started this loan back in feb 2004 and did a template letter stating that i did not even remember taking this out and was probably pressured into it. They got back to me 1 week late stating that i basicly received sufficient information around the time of taking out the policy and they would not give me any thing back, however as a good will gesture they would take £38.08 off my account which adds up from the last three months of cover. Do i take this or continue with the second template letter?

You say that you started this "loan" in 2004? Do you mean it was catalogue PPI in that it was to protect your payments?

Also as this was 2004 it was before the regulation of insurance and from memory (someone please confirm) Redcats were not regulated by anyone in 2004. I know they were eventually fined http://www.fsa.gov.uk/pages/Library/Communication/PR/2006/136.shtml

but only for sales since their regulation being Jan 2005. (again someone please confirm).

I would still continue the complaint though and see what they say if you are not happy and take it from there.

arthurdick

morning campers, im on me 3rd cuppa, just about to leave for work ...must have a jimmy first though .....anyway, i just wanna say very well done to all recent winners.. there have been some excellent results....bleeding brilliant some of them.... well done.... .....all those still thinking about to claim or not to claim, go for it, look at what you could win for the price of a few stamps.....if you dont ask, you dont get .......
Im still in my game of chess with my latest claim, but as long as i can afford stamps, i will keep bugging them....they may get so fed up, they might just pay out to shut me up ...... ha ha who knows ..........morning di, max, amersall & pinky.......hope you all have a good day and are doing well ......take care all.. have a giggle yeah

Portofino_2

Hi, I am new to the forum. I have been lurking for a while and took the plunge a few weeks ago. Requested PPI payments on an RBS loan which I paid off in 2005. Well, I was gob-smacked when less than 3 weeks later they confirmed they would be re-paying £2.3k!

I am now pursuing all loans/CC charges and am so encouraged by the stories on this forum. I wondered whether anyone has had experience reclaiming CC charges where they applied online? Has anyone successfully challenged the " you ticked th box" response?

Many thanks!

amersall

arthurdick wrote: »

morning campers, im on me 3rd cuppa, just about to leave for work ...must have a jimmy first though .....anyway, i just wanna say very well done to all recent winners.. there have been some excellent results....bleeding brilliant some of them.... well done.... .....all those still thinking about to claim or not to claim, go for it, look at what you could win for the price of a few stamps.....if you dont ask, you dont get .......
Im still in my game of chess with my latest claim, but as long as i can afford stamps, i will keep bugging them....they may get so fed up, they might just pay out to shut me up ...... ha ha who knows ..........morning di, max, amersall & pinky.......hope you all have a good day and are doing well ......take care all.. have a giggle yeah

morning arthur hows you ? its all that tea that makes you need a jimmy riddle:p:p i am the same, i love a cuppa but am allways on the loo:D:D(too much info?;);) have a good day and dont work too hard, catch you later

maxdp

Well done Portofino. Fantastic result:T
Hi Arthurdick.x Hope you are ok you sound in good form. Hope your other games of chess win for you.:j

Hi Amersall.x

amersall

maxdp wrote: »

Well done Portofino. Fantastic result:T
Hi Arthurdick.x Hope you are ok you sound in good form. Hope your other games of chess win for you.:j

Hi Amersall.x

hi max. hows you? sun out here at the moment think i will put some washing out, rained all day yesterday here

Portofino_2

Thanks! I was most chuffed :j

I received a letter from Monument yesterday saying that my account (CC) was to be closed and I just had to keep paying the balance as normal - so I have sent my letter requesting charges etc and will then fire one off on PPI. A few of my CCs have been arranged online so any tips on how to mitigate the response that I ticked boxes etc would be most welcome.

Unfortunately I don't have all the paperwork to be sure of how PPI was added.

maxdp

Portofino wrote: »

Thanks! I was most chuffed :j

I received a letter from Monument yesterday saying that my account (CC) was to be closed and I just had to keep paying the balance as normal - so I have sent my letter requesting charges etc and will then fire one off on PPI. A few of my CCs have been arranged online so any tips on how to mitigate the response that I ticked boxes etc would be most welcome.

Unfortunately I don't have all the paperwork to be sure of how PPI was added.

Hi There you could send of £1.00 to the CC companies and ask them to send you a copy of the original agreement. They have 12 days to reply. To get all information they have on you then send a SAR letter of. You will find one on a sticky on the front of this thread. Send £10.00 off and they have 40 days to respond. This should give information on all telephone calls that you had with the companies as well.

Send all letters recorded delivery. Good Luck

Portofino_2

Thanks Maxdp!