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Restructuring of loan after ppi charges refunded
Hi, I recently contacted my bank HSBC about ppi charges on my loan. They have offered me a refund on all ppi paiyments. But my main concern is, is that they need to reconstruct my loan before they do this. I am afraid they will recalculate the interest again? Is this the norm to recalculate it? Daniella
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Virgin CC (MBNA) Claim sucess but not enough?
Hi everyone, We have a vigin credit card (mbna) with PPI. I put in a letter stating i was misssold etc. I could not work out how much I have paid PPI because they wanted to charge for copies of statements that I was not prepared to pay for. I have had a letter back today saying as a gesture of goodwill they have credited…
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First Plus / Barclays
Evening all Thanks to this site I successfully claimed my ppi back from First Plus. Now about a week after I sent our acceptance form back we both received letters from Barclaycard stating that they were closing our accounts and they were unable to discuss the matter as it was compnay policy therefore confidential. Took me…
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Reclaim PPI from canceled policy?
As you may have seen in my other thread we have just sucessfully claimed from mbna, which got me thinking… my girlfriend has a barclaycard. A few years ago maybe 3, I seen her statement and she was paying ppi. Back then I told her to cancel it as she was a student so it was no good. She rang up and cancelled. Would we now…
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HFC Response - help needed!
Hi, I sent the first template letter to HFC regarding a loan my husband took out with them a few years back. They have sent us a letter saying basically, that's it tough luck. They feel the policy was not mis-sold and if we want to take it further, write to the ombudsman. Should I send the 2nd template letter or just go…
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Barclays Bank - Breech of Confidentiality
I have an outstanding complaint with Barclays Bank, who basically sent my personal bank statements to my ex husbands mother’s address (somewhere where I have barely been let alone lived). Also they allowed a direct debit to be set up using my personal bank account details by him. Financially this has put me into a terrible…
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Lloyds/Scottish Widow PPI - HELP!!!
Hi guys - I wonder if you could help me. I'm writing on behalf of my parents who are in an awful mess, courtesy of Lloyds TSB :mad: My parents took their mortgage out with Lloyds (Cheltenham & Gloucester) and had PPI cover. A couple of years ago my dad had an accident at work and was unable to work for several months -…
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income protection insurance claim
Am posting on behalf of a friend who has been made redundant. He took out insurance cover for income of £1500 per month, though his f/t job paid more than that. Now he's been told the insurance is unlikely to pay out, because he has a p/t job of 16 hrs so isn't classed as unemployed. He had both jobs when he took out the…
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FOS upheld claim, but no payment from Egg
Hi, I took out an EGG loan with PPI in 2003, and originally complained to EGG about the potential PPI miselling 18 months ago. They disagreed and I complained to the Financial Ombudsman service, who upheld my claim and notified EGG of this. It's now 10 weeks since the FOS decision and my acceptance, and no refund from Egg…
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mortgage insurance
wonder if anybody else had similar problem to ours we have sickness and unemployment cover with l&g my husband being a bricklayer has been unemployed for a good while now,so we claimed as he is self employed and i work part time we do not get anything except tax credit they said we cant have anything because he has to have…
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Success!!!...but no 8% (MBNA A&L)
After one month waiting, I had a phone call today asking me to clarify the situation surrounding the original application. I was told that as A&L were not owned by MBNA at the time of application (2003), they had no way really of investigating further and offered me full refund of £636. What they didn't offer was the 8%…
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help please
hello not sure where to start reading on this thread the 1st thing i need to do is find out when my last loan was with natwest am i right in thinking it has to have been with in the last 10yrs? so do i ring natwest and say can i have details of when my last loan with you was taken out (or finished) thankyou for the help
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Is this NatWest ppi?
Is this NatWest ppi? Hi, I have discovered a statement with the narrative of 'Insurance Premium' back in 2005 as a debit after a loan was granted. I do not recall signing for any extra insurance. The amount is £1100, so it appears to be a front end single premium payment I think? Does anyone else have this or recognise…
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PPI reclaim BENEFICIAL FINANCE AKA HFC
Hi i'm wanting to reclaim my PPI insurance from beneficail finance as i feel i was definately mis-sold this policy. But i dont have an address to send the 1st letter too, can anyone help?
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Amount of cases with the FOS
Hi guys I know the FOS treats each case on its own merits - but do you, realistically, think there is a limit to how many cases should be with them at any one time? I currently have a MBNA loan PPI referred to them, Capital One Credit Card charges and also Citibank credit card PPI case. So three separate cases. I genuinely…
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PPI Claim
Hello, can anyone help have requested charges on two accounts with rbs also had an overdraught of £5000 on the business account (partnership not Ltd) turned into a loan by the bank took out PPI with the loan, also had rbs mastercard with £2000.00 limit paid off each month this also had PPI again (business account) do i…
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Reclaiming ppi
Hi there, this is my first post as a new user. I am in the process of reclaiming PPI in which the bank has agreed to pay out £1,067.51 of an original lump sum of PPI of £3,049 plus interest which was added to a loan in 2001 and which was fully paid up in 2003. If there is anyone out there who could possibly advise me on…
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PPI Claim after 6 months
Hi there, I have searched for an answer to my question but couldnt find one, so I thought it best to ask. I sent the first PPI claim letter to HSBC in April 2008. I received the normal letter back saying no in the same month. Foolishly I did not chase up with the second letter template, thinking that their no was final.…
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landrover ppi
Hi My husband took out finance with landrover 5 years ago. They already conned him by saying he could hand the car back after 3 years but when he tried they said he didnt have that type of agreement and he had to refinance a car he didnt want and couldnt sell. Anyway, when he originally took out the loan he was employed,…
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How long does it take !
IPUT A CLAIM IN FOR PPI IN JANUARY AGAINST ALLIANCE & LEICESTER,THEY SENT A LETTER SAYING THAT THEY OWED ME £827,I ACCEPTED BUT HAVE HEARD NOTHING SINCE. I PHONED IN MARCH/APRIL AND THEY SAID THAT THEY HAVE MY ACCEPTANCE LETTER AND ARE STILL DEALING WITH IT AS THEY HAVE HAD A LOT OF CLAIMS.I CANNOT UNDERSTAND HOW LOLNG IT…