PPI letter template

12months

Hi All

A few years ago I successfully reclaimed PPI using a letter template I downloaded from MSE :T I've just discovered another PPI that I should reclaim but, despite searching the site, I can't find the reclaim letter template. I can see one for complaining to the Financial Ombudsman but not one for an initial complaint to the bank. Can anyone point me in the right direction?

Thanks for your help.

Nasqueron

You don't need a template, just send them a letter with your details, complaint reasons and copies of any proof you have and go from there.

12months

Thanks Nasqueron. I've had a look at the bank's site and they have a form to fill out to reclaim PPI. I've done this but they are asking for very specific information about my employment status and benefits eg how much death benefit I was entitled to, etc.

The insurance I took with them was mortgage protection which would pay out for up to 12 months if I was unable to work. I can prove my employer would have paid out full pay for 6 months and half pay for 6 months. My question is, do I need to provide them with this extra information?

Also, I seem to remember there were certain phrases that were best to use when reclaiming PPI. Is this information still available on MSE?

Thanks.

dunstonh

I've done this but they are asking for very specific information about my employment status and benefits eg how much death benefit I was entitled to, etc.

That is quite normal. It allows them to see if there are overlaps or issues.

The insurance I took with them was mortgage protection which would pay out for up to 12 months if I was unable to work. I can prove my employer would have paid out full pay for 6 months and half pay for 6 months. My question is, do I need to provide them with this extra information?

i wouldnt be too worried about that. Unlike other forms of PPI, the FOS have been rejecting complaints on MPPI where the person uses 12 months sick pay as a reason. Its not a strong complaint reason with mortgage protection.

Also, I seem to remember there were certain phrases that were best to use when reclaiming PPI. Is this information still available on MSE?

You dont need to create phrases. You gain nothing from doing that.

12months

Thanks dunstonh, that's very helpful I'll give them as much information as I can - thankfully, I don't throw paperwork away!

googler

12months wrote: »

Also, I seem to remember there were certain phrases that were best to use when reclaiming PPI.

I didn't use any of them.

I requested a claim form from the bank, filled it in to the best of my ability, included copies of statements where available (which didn't cover the whole period concerned), returned it and waited.

Couple of months later, almost £9000 repaid to me. Shortly after that, the bank wrote to advise that they'd changed their methods of calculating payments and interest, and gave me £3000 more.

I heard an advert on the radio today for a PPI reclaim business, who would no doubt take a fee or a hefty commission for doing what I did for free. You don't want to know what I was shouting at the radio.....

Nasqueron

I'd imagine "certain phrases" are the usual PPI company nonsense like "I was told I had to have it"; "I didn't know I had it"; "I didn't want it" - all hearsay and unprovable.

MPPI is a good thing to have, how would you pay your mortgage and all the other bills if you were to lose your job or sick for 12 months?