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PPI - restructure proposed? HELP ME
I have pursued Martins letters to reclaim PPI back, the first letter they ignored, the second they took heed of and offered £2K on a loan of £25K which I have paid monthly a sum of £497 and am on year 3 of paying it and only 8K has been paid - so now with a balance of £17K they have finally offered a settllement of £7800…
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Help/ Advice needed . . .
Hello Everyone, this is my first post so go easy! I read with interest about claiming PPI back. I originally took a £9,000 loan in March 2001, with the insurance of £1,116 which meant the insurance cost was lumped in with the loan amount to be repiad, meaning over the term of the loan I would pay 36 x £35.80 (£1288.88 in…
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It is all worth it!!
Hi I just wanted to write this to say thanks to the info on this site I won my case for the mis-selling of PPI, going up against these companies can be quite daunting especially when they write to you and tell you that you are mistaken and they owe you nothing, then the next step is the offer they make you for couple…
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Shop Direct / Littlewoods Mail Order
Just had letter back from Shop Direct / Littlewoods refusing to refund my premiums for mis-sold insurance. They say I agreed to the policy even though I was told it was essential with my account and I cannot complain to the FOS as they were members after my policy was taken out! I have just wrote back clarafying some of…
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Success but with a problem!
Hi, another Lurker here! Apologies if i'm in the wrong place but 2 bits of good news to add the list, £141 to HFC for PPI on a loan for a suite through DFS, interest free but not PPI free! Didn’t have to go to the FOS for that one all it took was a whinge to the salesman from HFC who had the misfortune to cold call me that…
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What now? 2nd letter?
Hi all, I've made a PPI claim for my brother inlaw to Lloyds TSB:mad: He received the standard blurb about how sorry they were to hear of his complaint and that he should cancel his insurance etc. He then received another letter saying it is taking time to gather all the info (what? it's simple) and that they would be in…
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New to ppi
Hello to you all. This is my first post,right i have been reading this forum for a while and i decided to try to reclaim some ppi after reading up on here. My first attempt was with Alliance and Leicester,i sent them a first stage letter but the week later they sent me a letter saying i could have been mis-sold ppi…
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Urgent advice needed on capital one ppi claim!
Hi Quick summary: 'Started claim with cap one for credit card ppi - I have received a letter from them offering an amount as a gesture of goodwill which they will take off my outstanding amount' - (i am not happy with this amount and am going to send another letter requesting they increase their offer) However, i would…
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Firstplus PPI reclaiming
Hi, Just wondered if anyone had any advice. I am currently reclaiming the above. The loan was arranged through Loanmakers who are no longer trading. Has anyone made a claim against loanmakers recently or do you know what i should do next? Thanks
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PPI Reclaim Help
Hi Have been considering reclaiming ppi from the infamous first plus for a few months now. The problems being is I dont have any of the original agreements so have no idea of my account number as the loan was paid off with a re-mortgage and I foolishly destroyed the paperwork. I can get copies from our solicitor but they…
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Question LLoyds TSB PPI Procedure
Hi All, I'm hoping someone can help, Ive recently requested my PPI back form LLoyds on a loan i took out in 2007. Since sending my 1st letter i've recieved two from them just saying they are still investigating the matter, now 8 weeks on i'm awaiting a response is this normal? Thanks for your help, Cx
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First Plus - Bespoke Finance
Hi this is my 1st post so please forgive if this has been asked before. We took out a loan the first plus a few years ago, and are trying to reclaim for PPI. Sent Martins step 1 letter giving 8 week's to reply received a letter within a week saying that they hadn't sold us the PPI and that is was Bespoke Finance - neither…
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Reclaim - Income Protection Plan - re: mortgage
I understand how PPI can be reclaimed on a loan, but I wonder if anyone could tell me whether my brother would be able to put a claim in for an Income Protection Plan which he was forced to take out on his mortgage a number of years ago?
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Help!!! I Don't Know What To Do!!!!
Hi All, I will be really grateful if someone out there could advise the best course of action I should take with regard to PPI with First Plus. In June 2004 my wife and I took out a secured loan of £60,000 payable over 12 years. We also took out the PPI cover which cost £14,538. This protected us for the first 5 years and…
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Does anyone know?
If you have PPI on a loan and the loan is sold to a debt collection agency is the PPI still vail or does the selling on void it? Lloyds are still ignoring my requests to cancel out PPI even though they are threatening to seel the debt on, including the PPI amount.
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Lloyds TSB ppi offer. do i accept?
hi. about 4 months ago i complained to lloyds, via their own phone helpline, about the ppi on my loan which i have since paid off. this morning i got a letter saying that although they do not accept my mis-selling claim, as a gesture of goodwill they will offer me £238.88. do i accept this? the loan was originally for…
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Reclaiming PPI, letter from Barclaycard
I had written to Barclaycard trying to reclaim PPI on my account, I only recently discovered that this was optional! Barclaycard have written back saying they are investigating and have enclosed a questionaire. I am reluctant to fill this in as I have had the card for a number of years and cannot remember the details of…
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Invalid Loan Agreement beneficial finance / HFC
Hi All I hope someone may be able to help. Between the years 2002 and 2003 I took out 3 seperate loans with HFC / Household bank. I requested the loan agreements as I beleive I was mis-sold the Life and ASU insurances on all 3 loans. I have received the copies of the loan agreements now. The first one took out in March…
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Llyods
Hi All, LPI is this the same as a PPI ? confused.
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PPi Help
Hi new to this site I have just paid off a big loan with high street bank with help from family the loan was for 60 months but paid off after 14 there was insurance on this loan. I was made redundant in nove 08, but was very lucky to get a job with a agency but a claimed for 1 payment from the insurance because of this…