PPI Reclaiming successes and failures

lucieloo

hi after reading all your great wins i have took the plunge and hope for a result just like yours. sent off my first letters yesterday, so wish me luck in nailing these people who make money off us left right and centre.:mad:

di3004

lucieloo wrote: »

hi after reading all your great wins i have took the plunge and hope for a result just like yours.

Hello and welcome lucieloo.;)

Good luck with your reclaims and if you need any help anytime just give us a yell.
May I ask on what banks or so your reclaiming?
Cheers.:D;)

lucieloo

thank you di. i am reclaiming from hsbc, and firstplus. i didnt realise until i had been on this site that i had paid over 8k to firstplus!! looked at the original copy and there is no tick in the ppi box!!! so shouldn t have paid it.

di3004

lucieloo wrote: »

thank you di. i am reclaiming from hsbc, and firstplus. i didnt realise until i had been on this site that i had paid over 8k to firstplus!! looked at the original copy and there is no tick in the ppi box!!! so shouldn t have paid it.

Your welcome.;)

Good for you, keep at them.

Was it First plus that sold you the loan, or a broker, if a broker was used then write to them, otherwise yes Firstplus if they sold this to you.
Good luck with both reclaims then and please keep us posted.

If you have credit cards, also check them for PPI as well, this also includes, store cards and catalogues, car finance etc.
Not everyone are aware until they check they statements, if this is the case you can also try reclaiming on them as well.

Hope this helps.;)

lucieloo

thanks very much. i am a bit confused and its nice to know i can ask someone. yes i rang first plus for the loan and dealt directly with them. although im not sure if i had the money from somewhere else? but my payments went directly to firstplus.

lucieloo

sorry also i meant to ask what can i do if they was not governed by the fsa??

di3004

lucieloo wrote: »

thanks very much. i am a bit confused and its nice to know i can ask someone. yes i rang first plus for the loan and dealt directly with them. although im not sure if i had the money from somewhere else? but my payments went directly to firstplus.

That is fine then, your doing the right thing in writing to FP.;)

di3004

lucieloo wrote: »

sorry also i meant to ask what can i do if they was not governed by the fsa??

What year did you take out this loan?

lucieloo

2002 but i have read some claims to be older than 6 years too. do u think i should still try?

di3004

Depending when you taken the loan out (year), not sure if they were protected as from Jan 2005 or earlier with GISC now, but I'm sure someone will confirm.
But what many do if this is the case now is write to the actual insurer instead who would be to what I know of automatically governed, you do the same on the reclaiming procedures, the Financial ombudsman service (FOS) should be able to investigate against an insurer.

Some of us are in the same position as you, although different loan companies, and the FOS are waiting to pass mine on to an adjudicator right now.

So see what FP come back with first and take it from there, best to exhaust these avenues first.;)