PPI Reclaiming discussion Part II

di3004

Toffee_Penny wrote: »

sorry just read through what I wrote his very first card was Halifax and that was around 1997??/ the others mmm not too sure but I suppose at a guess they were after 2000ish???

Sorry can't remember exact dates, my brain is frazzled tonight

Cool well it will be a bonus again after the year 2000 I think.;)

If you have no agreements with these or paperwork if you can contact them to see if they can provide these free of charge to you, or maybe they will be able to confirm the dates on the phone to you.;)

Toffee_Penny

di3004 wrote: »

It makes you want to scream doesn't it ???:mad: :mad:

only at the fact that we have been so stupid with money where was this site a few years ago that's what I want to know? I've saw that Martin fella on GMTV loads of times too just never bothered checking it out.......until now when I need the help and advice more than ever

di3004

Toffee_Penny wrote: »

only at the fact that we have been so stupid with money where was this site a few years ago that's what I want to know? I've saw that Martin fella on GMTV loads of times too just never bothered checking it out.......until now when I need the help and advice more than ever

Aww.....well your here now that's the main and its happened to the best of us, and not to forget its only the last year or so this issue of mis selling has come about, such as in the media etc, and now is the time to fight for all you can.;)

Anything you can think of hun even store cards and catalogues if these were covered by either GISC or FSA its worth trying to fight back what they should never had taken from you - you go for it hun.;) :T .

Toffee_Penny

Thanks di, will let you know how I get on xx

goodnight

di3004

Toffee_Penny wrote: »

Thanks di, will let you know how I get on xx

goodnight

No problem hun, good luck and we look forward to hearing the outcome of these.;)

Night hun, sweet dreams.:A

Di.
xx

tiggrae

Toffee_Penny wrote: »

His employer pays his insurance and tax etc and the cards are with Halifax, Monument, Barclaycard and MBNA


He actually phoned one up (MBNA) and said he would have trouble meeting payments, the woman on the phone said can't help because your account is not in arrears, he asked about the protection but was told it was only for being out of work.

I think the case for mis selling will be what he was told at the point of sale (ie was he told the payments would be covered but he only if he goes out of work or told that the PPI was compulsory) - being self employed but paying (or someone paying) category 2 NI is not in itself a reason for mis selling - if he wasn't paying Cat 2 NI then it would be a reason for mis selling.

angelwillow

marshallka wrote: »

I have been on the Mortgage board and got slated for being in this position in the first place and not being more careful with the money. I know they have a point but I don't see myself as greedy. In my view the banks were greedy, not us.

That's exactly the same as me only it was on credit card board! lol

Wyrdsister_2

I paid off a loan in April that I took out with Egg some years ago to pay off my credit card with them when I was a student. I was surprised that after 3 years of paying nearly £50 a month that I still had so much left to pay off - over £1300 when I thought it should be about £900. I was in a position to pay it so I did. I orignally negotiated the loan over the phone and was quoted ~£2700 as total with interest. At the time when the loan agreement came through I simply checked that the total loan amount stated the ~£2700, signed it and sent it off agreeing to the terms.

I have just looked at the original agreement and in the small print it says that because I had payment protection on my card, they have assumed I want it on my loan as well and it will cost a total of £454. I admit I missed this at the time, all I checked was the total loan amount which married up to what they had quoted me on the phone but did NOT include the extra £454. I didn't want payment protection on the loan and thought they would ask me during the consultation if I wanted it - but they didn't - they tagged it on because I had opted for it when I had a credit card. I KNOW I should have read all the small print of the loan agreement - but really, all I was concerned with - all anyone is concerned with is how much am I paying back in total and how much each month will it cost me, I feel they slipped this in quite sneakily as I would not have agreed to it had it been mentioned during my phone conversation with the adviser. Do I have a case of claiming the portion of this back which I have paid for the last three years? Anyone know?

angelwillow

marshallka wrote: »

Be very careful here angelwillow. Its not worth it when you are medicated in that way then you really cannot take risks. I ended up in hospital by wheelchair 4 times and I was not allowed to walk anywhere. I had malignant hypertension and the meds to get it back down were awful. I know this is not doing me much good now but I have to fight back. Things can wait for a while until you are more stable. You could cause a stroke or heart attack if you are not careful. We will all fight for ya until you are strong enough again.:D

I think I'm in a higher risk group for that anyway as unfortunately my sister had a massive stroke last year and will never be the same again - she has 'money problems' too.

Toffee_Penny

Tiggrae didn't want to appear rude and not reply but I didn't think he ever ticked a box requesting protection cover on cards it was just there every month and the loan was a top up one, was asked about his job told them self employed and that was it.

Yes I know sounds really stupid doesn't it? but like I say you assume this covers anything and everything until it hit the fan and then wonder well why I was paying for and only questioning about clawing little bits of it back if you can.

He doesn't make a personal contribution to ni, his employer takes care of that. I'm not really too hot on NI so don't know exactly but I know he doesn't make contributions himself.

As for ppi being compulsory I don't think the nice Halifax woman mentioned any other policy being available and more relevant to certian circumstances at a lower cost at the time.

God what a mess!