PPI Reclaiming discussion Part II

pinknico

I have had to buy a note book to keep a note of all the SARs ,refund for charges and PPI I have requested so far!:rolleyes:

Then I've had to write down all the dates the letters were received and work out each deadline the company has!:o

I keep forgetting the times allowed for each thing eg 40 days for a SAR.
8 weeks for PPI reclaim and only 2 weeks when asking for a refund of charges. I hope I've got that right!:eek:

Laini using your fantastic SAR request letter for the first time today so thanks for that. x:T
Di hope your father in law is still doing well.x:wave:

Marshallka good luck with the cheque.:j

Finally you know claims have taken over your life when you are not excited about a family day trip to the Isle of Wight as you won't be around for the postman or get to a computer to check emails or post on the forum!:eek:

di3004

pinknico wrote: »

I have had to buy a note book to keep a note of all the SARs ,refund for charges and PPI I have requested so far!:rolleyes:

Then I've had to write down all the dates the letters were received and work out each deadline the company has!:o

I keep forgetting the times allowed for each thing eg 40 days for a SAR.
8 weeks for PPI reclaim and only 2 weeks when asking for a refund of charges. I hope I've got that right!:eek:

Laini using your fantastic SAR request letter for the first time today so thanks for that. x:T
Di hope your father in law is still doing well.x:wave:

Marshallka good luck with the cheque.:j

Finally you know claims have taken over your life when you are not excited about a family day trip to the Isle of Wight as you won't be around for the postman or get to a computer to check emails or post on the forum!:eek:

Thx hun, yes he is doing okay, he has had further tests today, scans etc and will have more tomorrow, if he is still doing okay he may be discharged tomorrow.;)

They don't keep them in so long now these days do they ?;)

maxdp

pinknico wrote: »

I have had to buy a note book to keep a note of all the SARs ,refund for charges and PPI I have requested so far!:rolleyes:

Then I've had to write down all the dates the letters were received and work out each deadline the company has!:o

I keep forgetting the times allowed for each thing eg 40 days for a SAR.
8 weeks for PPI reclaim and only 2 weeks when asking for a refund of charges. I hope I've got that right!:eek:

Laini using your fantastic SAR request letter for the first time today so thanks for that. x:T
Di hope your father in law is still doing well.x:wave:

Marshallka good luck with the cheque.:j

Finally you know claims have taken over your life when you are not excited about a family day trip to the Isle of Wight as you won't be around for the postman or get to a computer to check emails or post on the forum!:eek:

Well said that person. Ooh I have just edited cause funny faces are back. Hurrah

pinknico

maxdp wrote: »

Well said that person. Ooh I have just edited cause funny faces are back. Hurrah

I thought it was just me who couldn't see them!

laurajo87

Hi, I am very new to this, and don't even know if I have done this correctly?

Anyway, I have been reading the website about claiming back PPI, and I don't know if I would be able to do this.
Basically in 2004, I took a loan out with Tesco Finance, I did the application online, and cannot remember selecting PPI. They then sent me the Credit Agreement, which I still have in front of me and it reads like this:

Main Loan £10,500
Insurance Loan £ 1,514 (The premium payable to the insurers for extra payment protection insurance cover for the first customer
Credit

marshallka

laurajo87 wrote: »

Hi, I am very new to this, and don't even know if I have done this correctly?

Anyway, I have been reading the website about claiming back PPI, and I don't know if I would be able to do this.
Basically in 2004, I took a loan out with Tesco Finance, I did the application online, and cannot remember selecting PPI. They then sent me the Credit Agreement, which I still have in front of me and it reads like this:

Main Loan £10,500
Insurance Loan £ 1,514 (The premium payable to the insurers for extra payment protection insurance cover for the first customer
Credit

Right so was this insurance added to the loan as a single premium cover. In other words was it a loan to pay the insurance??

tiggrae

cot1198 wrote: »

what is an unregulated agreement

It is an agreement which is not regulated by the Consumer Credit Act 1974 - it would say on the top of your agreement whether it is regulated or not - the CCA '74 applied to loans not exceeding £25000, if they did they are classed as unregulated agreements (ie not subject to the provisions of the consumer credit act 1974)

wildanna

please can someone help my case with loans.co.uk has been going on since last year sent all the letters plus sar sent me first cd dident work sent me second one same again now sent me the telephone calls all printed on paper what do i do now please help am stuck,annoyed,not getting anywhere

marshallka

Tiggrae, where you been, lots of questions on here for you... you can't take a day off:D

marshallka

wildanna wrote: »

please can someone help my case with loans.co.uk has been going on since last year sent all the letters plus sar sent me first cd dident work sent me second one same again now sent me the telephone calls all printed on paper what do i do now please help am stuck,annoyed,not getting anywhere

Have you had a final response from them in months at all??

Have you actually sent them any letters yet other than to get your SAR??

Also loan.co.uk was fined already.