Kuffs1978 wrote: »
I'd also be very interested to hear your feedback on this, because as many veterans of the forum know that my disabled sister was sold a loan and the wretched PPI by Norton Finance in 2007, but the loan repayments have been going to GE Money. The FOS awarded her a rebate on the grounds of mis-sold PPI in October of 2011, but Norton failed to cough up before they went into administration. The FOS had instructed Norton to recalculate what had already been paid so that it reflected how her account balance would have been without the PPI. Since Norton have gone bust, do GE have the right to ignore the instructions from the FOS to recalculate and insist that the repayments remain the same as they've always been, or do they have to do as Norton have been told, as GE are the ones getting the money every month?
beamerguy wrote: »
Hi, what makes you think you were mis-sold ? did you try to claim and failed ?
Reg Vardy would not have insured this themselves, they would have used a 3rd party insurance company. If you think you were mis-sold you need good reason to claim plus you need to locate the insurance company
debsjc wrote: »
Help - i'm confused!
I have PPI on a Barclaycard which I've had for more than 20 years (and still have). I wrote to them asking for the T&C's at the time of taking out the card, which they have now sent me (after 3 months of waiting)
I'm unsure of the next step. I know that when i took the card out I was unaware I had the PPI, but as it is so long ago, I can't remember the details. For example, if I applied by post for the card, which is the most likely. I'm not sure which points to make in the letter to have the best chance of success. Could anyone give me some advice please?
Would also be interested to hear from anyone who has been successful claiming back money on old Barclaycard PPIs.
Ruthybabes wrote: »
I also have a Barclaycard ppi for 20 years. I just put in a claim, but did not apply for the the terms and conditions. The card was applied for by post and I cannot remember having ppi on it and only realised 2 weeks ago when I looked at my statement that I had been paying it! I was and still am self employed.
cturner78 wrote: »
Thank you for replying so quickly! In answer to your questions: I feel we were mis-sold PPI for a couple of reasons.
Firstly it was our mutual experience that the Vardycare 'option' wasnt sold as an optional extra but as part of the finance package. I was never aware of the fact i even had it - and its only from looking through old paperwork that we both realised we even had it! There was a great deal of pressure from sales men in the garage to sign on the dotten line immediatley, involving sales 'managers etc who practically bullied me into signing!
The company the insurance looks to have been with is the Direct Group, based in Doncaster - I have a postal address for them, but I have a feeling they have relocated as the address doesn't bring anything up on google?? this is the best match: www . directgroup . co.uk
Thanks to this website and in particualr :money: on Radio 2, I have learnt more about the PPI products and it was totally unsuitable for me at the time as I was still at university and working as a supply teacher with unreliable hours/salary.
I hope this answers your questions -
PS) Im also looking into a HSBC bank loan I took in 2005 to see if i had PPI on that too - seems i have been a bit of a easy target for these PPI sales people!
lostcount wrote: »
The cheque has arrived from MBNA £16,105.83. Started claim 12 months ago under the complaint of a pre ticked box for PPI. Got turned down by MBNA so went to the FOS in Nov 2011. Complaint upheld and offer arrived 3 weeks ago. Very suprised by the figure as I thought it would be around the 6k mark.
Still waiting on Barclaycard which is also with the FOS this was a Morgan Stanley card first.
Now debt free thanks to all on this site it opened my eyes.
cappo wrote: »
Hi Kuffs i'd go straight back to the fos and see what they say about this.
20 Lloyds & 8 Halifax outlets affected
Show us a pic, go on
Norm £31.78. Excludes Northern Ireland