PPI Reclaiming discussion Part II

marshallka

Anne.Jade wrote: »

Night Marshallka and Di, now don't stay up too late on here will you!

:A

Anne x

Night Anne.Jade I will be following you shortly I think. Took five mins to type this.

Catch you later:D

kazc_2

di3004 wrote: »

Hi there hun
I have just left a post above for you.;)

They wouldn't send it us for free Di we did try !!

Toffee_Penny

What about ppi on credit cards? Would it be the same for them if he was self employed? I really don't want to rock the boat but looking back at statements on some he was paying £80+ a month for payment protection :mad:

Why o why did we pay it for? I am so angry at the fact they charged us that per month and the fact we continued to pay it! :mad: If only we had our LBM sooner eh? :rolleyes: (just how many people have said that on this site?:D )

Feel in two minds what to do as we have just started out on this DMP journey and if it wasn't for this site then god knows what we would have done! You all deserve real medals not just the silly cartoon ones next to your name. I really thank you all, you will probably always remain faceless to me but you really do help people like me who get baffled with all the creditor and debt jargon (sorry going all soppy now daft cow!! :rotfl: ) but just wanted to say thanks, thanks for helping and thanks for not judging

xxx

marshallka

kazc wrote: »

Thankyou for that Marshallka, we are going to do it now !!
Fingers crossed.
k

SARs do come in handy but I don't think that this one will be too much trouble here as this was sold after 2005. Even if they do write back and state it was not missold this is usual and you then write in again. (always keeping copies and also sending recorded delivery too). After that they either give in or you take it to the FOS. I would say you have a very good chance with this like I say.

marshallka

Toffee_Penny wrote: »

What about ppi on credit cards? Would it be the same for them if he was self employed? I really don't want to rock the boat but looking back at statements on some he was paying £80+ a month for payment protection :mad:

Why o why did we pay it for? I am so angry at the fact they charged us that per month and the fact we continued to pay it! :mad: If only we had our LBM sooner eh? :rolleyes: (just how many people have said that on this site?:D )

Feel in two minds what to do as we have just started out on this DMP journey and if it wasn't for this site then god knows what we would have done! You all deserve real medals not just the silly cartoon ones next to your name. I really thank you all, you will probably always remain faceless to me but you really do help people like me who get baffled with all the creditor and debt jargon (sorry going all soppy now daft cow!! :rotfl: ) but just wanted to say thanks, thanks for helping and thanks for not judging

xxx

What dates were these first applied to the cards?? Yes you can still go for the misselling on these too.

You do have to remember that its the date they were first applied and if they go back further than 6 years then the limitations act can be applied. This can be got around though so I am told.

di3004

kazc wrote: »

They wouldn't send it us for free Di we did try !!

Aww that is so damn annoying !!!

Well okay then hun, just get the complaint letter sent to them and the rest can come later.
I'm sure they just know what us lot get up to now, and I do think I was one of the first complainants Nemo ever had and just sent the disc out no problem then, so hun not to worry you have one heck of a good case anyway, good luck, keep us posted and we will take it to the next step when we get there.;)

Di.
x

di3004

Toffee_Penny wrote: »

What about ppi on credit cards? Would it be the same for them if he was self employed? I really don't want to rock the boat but looking back at statements on some he was paying £80+ a month for payment protection :mad:

Why o why did we pay it for? I am so angry at the fact they charged us that per month and the fact we continued to pay it! :mad: If only we had our LBM sooner eh? :rolleyes: (just how many people have said that on this site?:D )

Feel in two minds what to do as we have just started out on this DMP journey and if it wasn't for this site then god knows what we would have done! You all deserve real medals not just the silly cartoon ones next to your name. I really thank you all, you will probably always remain faceless to me but you really do help people like me who get baffled with all the creditor and debt jargon (sorry going all soppy now daft cow!! :rotfl: ) but just wanted to say thanks, thanks for helping and thanks for not judging

xxx

Yes hun no matter is its loan/credit card store card, if mis sold its always worth trying to reclaim.;)
Lol and your right we all say the same thing.....:D , wow you have some good humour hunni........:rotfl: :rotfl: lol......:D

kazc_2

Thankyou both for all your help as we haven't got a clue (as you can tell)!!
We were so stupid not checking everything it in the first place !
k x

Toffee_Penny

Right it looks as if Mr Postie's bag will be a bit heavier this week with my letters being sent to the creditors for ppi mis-selling:rotfl:

I'll have a look at the templates and will let you know how I get on (doubt they'll all rush to send the cheques out in their first reply but it's worth a try)

As they say 'you don't ask you don't get'

take care xxx

di3004

kazc wrote: »

Thankyou both for all your help as we haven't got a clue (as you can tell)!!
We were so stupid not checking everything it in the first place !
k x

Your very welcome hunni and your not stupid.:eek: .....:o , we have all been there and these crafty people did this to us all, so hun, you will get through this and will have the last laugh back at them.......:D :T .
Di.
xx