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Iva /ppi
I posted this on the PPI forum but was told that posting it in this forum may get a different response. The question I was asking was if you have been in an IVA are you still in titled to reclaim PPI (If miss sold) or is it just wrong to even try bearing in mind that you have already had debt wright-en off. The response was that the creditors are entitled to withhold as a redress (which makes sense). I know redress is part of IVA but this goes back to 2002/2004.
Hi
I have just stated to find if I have PPI. I have already had one clam which went through with no problems (Yorkshire Bank) and have applied to several companies to find out or complaining about PPI.
I have just received 2 back which I think maybe a common response.
Some background
I was in an IVA from 2002 at it ended in 2004 a total of 27 months. All creditors agreed to the final settlement and all accounts were closed. All my creditors go back over 10 years some go back to the early 1990’s.
The first response was from Capital One who agreed that I was miss sold PPI and have award me £900 but would not pay out but use it to pay my remaining debt. The debt was part of the IVA and was completed in 2004, Are they in their right to do this?
My partner also complained to Capital One and again said that they had PPI but this time said that due to it being over 6 years ago it was too late to complain. But it was the same time as mine and was also in the IVA (joint IVA). So how can they give two different responses to the same time frame?
The second is from Barclaycard who again say that I had PPI but since I did it by post, I had all the information at hand so was not miss sold and my claim has been rejected. This goes back to the 1990’s and to be honest cannot remember how I got the card. If I did apply by post I’m presuming I must have ticked a box. Do I still have a claim if this is the case?
I have tried to read all the information on this site but it’s vast and I started to get a headache (lol) so sorry for asking questions that will have probably already been answered somewhere.
Any help will be very gratefully received
Hi
I have just stated to find if I have PPI. I have already had one clam which went through with no problems (Yorkshire Bank) and have applied to several companies to find out or complaining about PPI.
I have just received 2 back which I think maybe a common response.
Some background
I was in an IVA from 2002 at it ended in 2004 a total of 27 months. All creditors agreed to the final settlement and all accounts were closed. All my creditors go back over 10 years some go back to the early 1990’s.
The first response was from Capital One who agreed that I was miss sold PPI and have award me £900 but would not pay out but use it to pay my remaining debt. The debt was part of the IVA and was completed in 2004, Are they in their right to do this?
My partner also complained to Capital One and again said that they had PPI but this time said that due to it being over 6 years ago it was too late to complain. But it was the same time as mine and was also in the IVA (joint IVA). So how can they give two different responses to the same time frame?
The second is from Barclaycard who again say that I had PPI but since I did it by post, I had all the information at hand so was not miss sold and my claim has been rejected. This goes back to the 1990’s and to be honest cannot remember how I got the card. If I did apply by post I’m presuming I must have ticked a box. Do I still have a claim if this is the case?
I have tried to read all the information on this site but it’s vast and I started to get a headache (lol) so sorry for asking questions that will have probably already been answered somewhere.
Any help will be very gratefully received
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