PPI Reclaiming discussion Part II

busbyh

marshallka wrote: »

You have gone for misselling on this haven't you???

These will all help in your claim.

I haven't mentioned this part yet. It's every time I read the policy I find something new.
Making a list of everything and will add to the details already held at FSCS

busbyh

marshallka wrote: »

Sounds like the PPI could have been front loaded also in that you had nearly paid it up as most of your repayments went towards the PPI and not the loan itself. I would wait for Tiggrae to confirm this but definately looks that way to me.

Take a look at front loading of policies in this here

http://www.competition-commission.org.uk/inquiries/ref2007/ppi/pdf/prov_find_app_5_2.pdf

Thanks for the link M -just scanned over it , will go through in depth later.
Bus
x

pinknico

Hope Picture are declared in default tomorrow.:D

busbyh

pinknico wrote: »

Hope Picture are declared in default tomorrow.:D

Any chance of that being possible. Have you heard anything about the dates
Bus
X

di3004

marshallka wrote: »

I honestly cannot wait to hear this one Di.

Going to have my sunday lunch now. A bit late because of the "wine" last night.

Don't worry hun, will post to you as soon as we hear.:D

Enjoy your dinner, off to have mine too that's where I have been - cooking .

Catch up with all your posts shortly folks.:D

Di
x

busbyh

The terms and conds of the policy were only sent to the first named. This had his name printed of the front cover and yet my daughter recieved no copy to check. We all know she could have read his copy, but this is not the issue. I would assume they should both receive a copy as they did for the loan agreement.
What do you think?
Busby

pinknico

busbyh wrote: »

Any chance of that being possible. Have you heard anything about the dates
Bus
X

Last I heard on here was any day now, so Monday mornings good for me!:rotfl:

At least we know they will be.:rolleyes:

Di are you still waiting for your company to be declared in default with the FCSC?

Can you remember the timescale they gave to complete a claim ?
Thanks x

matty4113

Hi
I have a loan with A&L, started repaying in 2006. In early 2007 i cancelled the ppi. Now can i claim back the ppi from 2006 to 2007 when i did pay it? It was £87 per month so had paid it for a good 8 months.
Help is appreciated.
Matt

busbyh

Tron_ess wrote: »

busby
Strikes me there may have been some tinkering! Has the copy from Picture got your signature on it?

On a seperate note - a lot is made of this pre-exsiting medical conidition. Please bare in mind that for most PPI policies this is merely an exclusion and not something that effects your eligbility for the PPI itself (as you could still claim for other conditions etc...) The important thing is whether they clearly advised you of this exclusion. Many firms wont bother asking specificly whether you have pre-existing, cause even if you do, they just advise that wont be covered but anything else would be. Trust this makes sense.

Hi ,

There was nowhere to sign on the terms and conds sent , but on the original it clearly states the name of the First named on the Policy. On the copy space is blank.
I understand what you are saying about pre medical conditions, and they are not obliged to ask for medical history, but I though there should have been a few standard questions e.g any stress related illnesses as these are clearly not covered by the policy.
Thanks for advice.
Busbyh

marshallka

matty4113 wrote: »

Hi
I have a loan with A&L, started repaying in 2006. In early 2007 i cancelled the ppi. Now can i claim back the ppi from 2006 to 2007 when i did pay it? It was £87 per month so had paid it for a good 8 months.
Help is appreciated.
Matt

Was this a loan ppi and a single premium.??

When you cancelled it did you receive a rebate on it and also can you give the details.... You can still go for misselling but what reasons??