some info please

Badger197

Hi i had a few ppi in 2016 now want to claim tax back on the hmrc website the R40 form seams slightly different when done on line is this the case, is it better to download as the one on line does not have anything to do with ppi when doing a self assessment

Nasqueron

You can only claim back tax paid on the interest (you don't pay tax on the PPI) and where the interest comes from is irrelevant. Just fill in the form and show your total interest for the year and tax paid see what they come back with.

Dazed_and_confused

Hi i had a few ppi in 2016 now want to claim tax back on the hmrc website the R40 form seams slightly different when done on line is this the case, is it better to download as the one on line does not have anything to do with ppi when doing a self assessment

It isn't very clear from your post but if you have filed a Self Assessment return for the tax year you received the (PPI related) interest in then you cannot make a claim using the R40 form.

You would (should) have declared the interest on your Self Assessment return and it would have been taken into account in your tax calculation for that tax year.

If you didn't include it for some reason you cannot now use the R40. You would have to claim overpayment relief as it is now too late to amend your 2015:16 or 2016:17 Self Assessment return.

ClaireB73

Hi, I’ve had a Lloyd’s credit card for 18 years, I had known that I had PPI, many years ago I tried making a claim due to redundancy but because I had a small redundancy amount of £2500 I couldn’t make a claim straight away, I managed to get another job so didn’t proceed with the claim any further, I do remember I was paying a lot more for my ppi cover back then to what I’m paying now, should I try to make a claim on my ppi or try & make a claim with pelvin???

[Deleted User]

Yes, you can make a claim if you've lost your job or other qualifying event.

Plevin would only apply if you're to make a mis selling complaint and were rejected.

Don't make a complaint if you plan on making a future claim though, as the policy will be cancelled.

ClaireB73

Thank you, can banks see how you originally applied for credit card, not sure whether I applied online or by telephone?

Nasqueron

ClaireB73 wrote: »

Thank you, can banks see how you originally applied for credit card, not sure whether I applied online or by telephone?

They will have a tick box somewhere if they still have records that says how you applied. Though do remember, PPI was often sold after the card was delivered (usually when you called to activate it)

Rosemary52

I had a mortgage through norwich union from about 1983 to 2007 which had an ‘insurance’ that protected their payment. I think it was with NU. I paid 30 years on this insurance. I remember I was locked into their insurance. When I phoned NU about a Missold mortgage years ago they said they were not responsible as I bought it through a broker.
As my claim is 46 years old would I still be eligible? I have thrown away all paperwork. Would I be able to claim? Is there an inexpensive way to get help. And how would I go about it.

Thanks Rosemary.

[Deleted User]

No.

Massively pre regulation, amongst other things.

Nasqueron

Rosemary52 wrote: »

I had a mortgage through norwich union from about 1983 to 2007 which had an ‘insurance’ that protected their payment. I think it was with NU. I paid 30 years on this insurance. I remember I was locked into their insurance. When I phoned NU about a Missold mortgage years ago they said they were not responsible as I bought it through a broker.
As my claim is 46 years old would I still be eligible? I have thrown away all paperwork. Would I be able to claim? Is there an inexpensive way to get help. And how would I go about it.

Thanks Rosemary.

If it was a policy that protected them, it was MIG, it 100% categorically CANNOT be miss-sold as it's there to protect them against you defaulting - you could have borrowed less or got a bigger deposit, or paid the MIG - no MIG, no mortgage


Even if you could have complained, pre-regulation and yes you complain to the seller not the provider.