PPI Reclaiming discussion Part II

infoleacher

marshallka wrote: »

Most self employed claims you have to have been in continuous employment for six months prior and then be paying class 2 (and i think class 4????) national insurance. Have you cancelled it now and if so was it a front loaded policy with a disproportional rebate on it.

Yes I have now cancelled the cover. I had requested cancellation in my original letter so they have cancelled "as of today" (18/06/08) I did not get any disproportional rebate.

marshallka

infoleacher wrote: »

Yes I have now cancelled the cover. I had requested cancellation in my original letter so they have cancelled "as of today" (18/06/08) I did not get any disproportional rebate.

Was it an upfront payment though or just an amount you paid monthly. Also was there any interest on it too. More details are needed.

infoleacher

marshallka wrote: »

Was it an upfront payment though or just an amount you paid monthly. Also was there any interest on it too. More details are needed.

aah sorry I was being a bit slow there, this was for an O/Draft protection policy. It was a monthly premium so there was no interest on the monthly amount.

marshallka

infoleacher wrote: »

aah sorry I was being a bit slow there, this was for an O/Draft protection policy. It was a monthly premium so there was no interest on the monthly amount.

So you are wanting back the actual monthly payments because of being self employed. How did you get it on your account in the first place? Did you opt for it and also did you tell them of the changes when you became self employed.

tiggrae

angelwillow wrote: »

Nice of GE to tell you that............knowing damn fine the FO can't do store cards. :mad:

I'm in the same situation if anyone has any ideas? FLA are a waste of time.

the FOS do cover store cards, but you would have to have taken the PPI out after 15.01.05 for them to be able to look at your complaint. Next step, is court action, how long ago was it you took out the card / ppi ?

tiggrae

marshallka wrote: »

Was the being self employed the only reason why you claimed. Was it a front loaded policy also and what were the amounts of the ppi? How long have you had it for? If it was the only reason that you have made a claim then they have answered it with the letter. You needed to have made further complaints if you had any and if you have not then send another letter about it. The main claim is the front loaded policies that are only for 5 years on longer loans. There is talk of them being banned now.

As it's lloyds take your claim to the FOS

marshallka

tiggrae wrote: »

As it's lloyds take your claim to the FOS

Tiggrae, this claim was Barclays and they had written a letter about refund of payments from the time of self employment and then Barclays wrote back to say that they did not discriminate about self empolyed. It was not an upfront policy and there was no interest on the payments. See their posts above.(infoleacher)

sarahc5388

marshallka wrote: »

Tiggrae, this claim was Barclays and they had written a letter about refund of payments from the time of self employment and then Barclays wrote back to say that they did not discriminate about self empolyed. It was not an upfront policy and there was no interest on the payments. See their posts above.(infoleacher)

I have submitted a complaint about PPi on an overdraft with barclays as well, they have written to me and promised a response by 11 jul - i will let you know how i get on - i went into the bank and complained rather loudly (open plan area - lots of other customers around) - they put it through their automated complaints thingy so it won't take as long. I will be on holiday when the response is due (unluss it comes early - not holding my breath).

chipbeck

tiggrae wrote: »

the FOS do cover store cards, but you would have to have taken the PPI out after 15.01.05 for them to be able to look at your complaint. Next step, is court action, how long ago was it you took out the card / ppi ?

You've answered a question I was going to ask.

I'm going to go straight down the court route with the wifes debenhams card as it is fro 1996. Plus I'm hoping when a judge sees her evidence and the fact that they don't have any she should win.

marshallka

sarahc5388 wrote: »

I have submitted a complaint about PPi on an overdraft with barclays as well, they have written to me and promised a response by 11 jul - i will let you know how i get on - i went into the bank and complained rather loudly (open plan area - lots of other customers around) - they put it through their automated complaints thingy so it won't take as long. I will be on holiday when the response is due (unluss it comes early - not holding my breath).

Still waiting for mine from Freedom/Bespoke too. Thought i might of heard something today but they are probably making it look good and making it look like they have really looked into it. Tiggrae thinks i will get nowhere with them. Time will tell. I hope she is wrong for once. (sorry tiggrae)