PPI Reclaiming discussion Part II

neilgrant

cheers di

yeh its ppi credit card and was with lloyds tsb for about 9 yrs...silly boy.
anyhow, have done the letter was just wanting to check that one thing before it goes in the post.

got bank and credit card late fees to do now..the joys of life!
neil

di3004

neilgrant wrote: »

cheers di

yeh its ppi credit card and was with lloyds tsb for about 9 yrs...silly boy.
anyhow, have done the letter was just wanting to check that one thing before it goes in the post.

got bank and credit card late fees to do now..the joys of life!
neil

Not a problem lol, also left you a pm too in case you missed this post but not to worry.:D

If you require any help/guidance your welcome to post anytime where one of us will do our best to help.

Good luck and hope the outcome of this is a good one.
I too also have a few against Lloyds TSB.

Arh your not a silly boy......:o lol, all the best.

Di.
x

di3004

neilgrant wrote: »

cheers di

yeh its ppi credit card and was with lloyds tsb for about 9 yrs...silly boy.
anyhow, have done the letter was just wanting to check that one thing before it goes in the post.

got bank and credit card late fees to do now..the joys of life!
neil

Have you checked out these links for you credit card fees etc ?
http://www.moneysavingexpert.com/reclaim/credit-card-charges

And

http://www.moneysavingexpert.com/reclaim/bank-charges

amtrakuk

Can someone PM me with the address for HFC Bank?

marshallka

amtrakuk wrote: »

Can someone PM me with the address for HFC Bank?

Is this the one???

HFC BANK LIMITED
120 EDMUND STREET,
BIRMINGHAM
B3 2Q2

or this


HFC BANK LTD
CUSTOMER COMPLAINTS TEAM
PO BOX 3607
BIRMINGHAM
B1 2XJ

and then on the FSA register is this one

North Street
Winkfield
Windsor
Berkshire
SL4 4TD

moneymess

Hi, Just wondering if anyone can help with my query?! I have a loan with A&L and have PPI as it was implied that my application was less likely to be approved if I didn't. Unfortunately I am now in arrears (which is being dealt with). Anyway I rang to cancel my PPI and was told that as I was in arrears I couldn't cancel it, however as I am in arrears my PPI is invalid anyway!! Where do I stand with regards to cancelling and reclaiming? Thanks

pinknico

Mornning Di, hope you and yours are all well this morning. I just wanted to add my support to you in regard to your youngest boys troubles at school.
As a mother myself there is nothing worse than seeing your babies hurting physically or mentally, so big hugs. :wave:

Sorry not PPI related:whistle:

marshallka

moneymess wrote: »

Hi, Just wondering if anyone can help with my query?! I have a loan with A&L and have PPI as it was implied that my application was less likely to be approved if I didn't. Unfortunately I am now in arrears (which is being dealt with). Anyway I rang to cancel my PPI and was told that as I was in arrears I couldn't cancel it, however as I am in arrears my PPI is invalid anyway!! Where do I stand with regards to cancelling and reclaiming? Thanks

You can cancel the PPI as far as I am aware and also make a reclaim if you feel you were missold. Often though, cancelling only reduces the repayments by a little bit. As this was A&L when was this loan taken out and how?? Was it over the telephone or other?

I would now get a letter done for reclaiming it back and tell them that you were sold this in order to get the loan and also were induced to more debt because the PPI was actually another "loan" on top of your original loan. Send out the first template letter from here and also sent this recorded delivery too so you have a proof of this. You then give them 8 weeks for a full and final response to it.

A guide to reclaiming is here and also in your letter add/delete as many reasons as applicable to your claim.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

pinknico

moneymess wrote: »

Hi, Just wondering if anyone can help with my query?! I have a loan with A&L and have PPI as it was implied that my application was less likely to be approved if I didn't. Unfortunately I am now in arrears (which is being dealt with). Anyway I rang to cancel my PPI and was told that as I was in arrears I couldn't cancel it, however as I am in arrears my PPI is invalid anyway!! Where do I stand with regards to cancelling and reclaiming? Thanks

A&L have been fined for mis selling PPI so if you feel thet you were mis sold I would send a claim in.


Your in good hands with Marshallka!

marshallka

pinknico wrote: »

A&L have been fined for mis selling PPI so if you feel thet you were mis sold I would send a claim in.


Your in good hands with Marshallka!

Ahh, thanks, have asked if this was a telephone sale as these were the only ones they were actually fined for. Lets hope it was... and within the dates applicable too.