PPI Reclaiming discussion Part II

marshallka

dazman20032003 wrote: »

Cheers hun , is there also any time limit on how far back yopu can claim for my acc was opened in feb 1997 !!!!!

dazman, was the date your PPI was applied and is this both and the claim dates.:eek:

I thought you said they were after 2001????

di3004

dazman20032003 wrote: »

Cheers hun , is there also any time limit on how far back yopu can claim for my acc was opened in feb 1997 !!!!!

Arh I see, okay different rules will more than likely apply here, when Tiggrae is here later, I'm sure she will be able to rectify this one for you.;)

I have known people to still win through trying, even if the claim was in the 90's, there is no harm in you also trying your luck.;)

I wish you luck and hope you win !:D

Di.
x

marshallka

maxdp wrote: »

6 years but I think that is six years from when the loan was finished they should keep paperwork although it is more difficult because of the content of the info they keep and this is more difficult. Others on here say 6 years from the date agreement started. I am at the moment claiming for loans etc started more than 6 years ago but finished no more than six years ago. Does that make sense:p

Me too maxdp. I went for one started in 2001 and ended 2003.;)

My co-op ones are 2002 and 2003 ended too.

di3004

My Lloyds Credit Card (PPI) was also 2001 Jan I think and I settled this in early 2004, when Lloyds sent me the final response they said I was eligible to take this to the FOS, leaflet added, so that's what I done.:D

dazman20032003

i have only just cancelled this acc so have been paying it for 11 yrs so what can i claim for ?

marshallka

A good leaflet for time limits etc here

http://www.ico.gov.uk/Home/what_we_cover/data_protection.aspx

http://www.ico.gov.uk/Home/what_we_cover/freedom_of_information.aspx

http://www.opsi.gov.uk/acts/acts1998/ukpga_19980029_en_1

maxdp

marshallka wrote: »

Me too maxdp. I went for one started in 2001 and ended 2003.;)

My co-op ones are 2002 and 2003 ended too.

We done.:D It is a bit confusing this six year rule I keep reading different interpretations and I get confused.:eek:

di3004

dazman20032003 wrote: »

i have only just cancelled this acc so have been paying it for 11 yrs so what can i claim for ?

Was you happy with the settlement figure ?


If your unlucky regarding the mis selling of the product, this is another direction you can actually try to take regarding an unfair rebate settlement, like I have on one of mine.;) Still ongoing at present though.

See what the others suggest and recommend hun.

Sorry if this was mis-read, I also note you have cancelled.

Di.
x

marshallka

dazman20032003 wrote: »

i have only just cancelled this acc so have been paying it for 11 yrs so what can i claim for ?

Dazman, i thought you said your accounts were opened after 2001 in another post????

Let us know the dates these were actually applied to the accounts and then the dates they were cancelled. Its very difficult but not impossible to claim beyond 6 years (of closing). You will have difficulty using the FOS for example. Depends on whether the company came under the jurisdiction of the FOS at that time.

marshallka

di3004 wrote: »

Was you happy with the settlement figure ?


If your unlucky regarding the mis selling of the product, this is another direction you can actually try to take regarding an unfair rebate settlement, like I have on one of mine.;) Still ongoing at present though.

See what the others suggest and recommend hun.

Sorry if this was mis-read, I also note you have cancelled.

Di.
x

Di it was credit cards i think