PPI Reclaiming discussion Part II

Loulou1513

Could anyone please tell me if copies of any paperwork that backs up a case for reclaiming PPI's is necesary as I dont seem to have any? Thanks

Loulou1513

marshallka wrote: »

When was your loan and who with???

You can request all the details etc in a subject access request if they are needed. I would not bother if the loan was taken after the 14th January, 2005 as most complaints are upheld from that date.

My first loan was taken out in approx 98/99 then we topped it up twice which brings us up to today. I never even realised that it was only myself that was insured and not my husband. Even though both our names are on the loan.
thanks for replying.

catinthehat1

Loulou1513 wrote: »

Could anyone please tell me if copies of any paperwork that backs up a case for reclaiming PPI's is necesary as I dont seem to have any? Thanks

See above -

catinthehat1

Loulou1513 wrote: »

My first loan was taken out in approx 98/99 then we topped it up twice which brings us up to today. I never even realised that it was only myself that was insured and not my husband. Even though both our names are on the loan.
thanks for replying.

We are in the same boat, the loan is in my and my husband's name, but he is the only one insured!!!

Loulou1513

marshallka wrote: »

When was your loan and who with???

You can request all the details etc in a subject access request if they are needed. I would not bother if the loan was taken after the 14th January, 2005 as most complaints are upheld from that date.

Sorry I forgot to add it it with the Halifax.:o

catinthehat1

Hi Marshallka - seems that email address no longer exists:eek:- did see in Cardiff local paper that they had made circa 300 workers redundant - never mind i will send their letter in the morning

Loulou1513

thanks very much for the letter template. Very much appreciated.

catinthehat1

Loulou1513 wrote: »

Sorry I forgot to add it it with the Halifax.:o

have you had a look on the PPI success board - it's a good way to find out how/what Halifax are paying out etc and what lengths people are having to go through, I think Halifax seem to pay up fairly quickly, but you'll have to check - you cant add posts there as it's just for success stories - but it cheers you up, well it did me!!!:o

di3004

Hi folks, I'm back, just gonna munch on some pizza at the same time as going through the posts........:D :j .

marshallka

Loulou1513 wrote: »

My first loan was taken out in approx 98/99 then we topped it up twice which brings us up to today. I never even realised that it was only myself that was insured and not my husband. Even though both our names are on the loan.
thanks for replying.

It seems like the sales of these are now time barred for the FOS and also they could bring this up in the courts too. Were the top up loans new loans and dates???