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Individual Income protection plan HSBC
Getting confused of what I can claim back and what I can't at the moment. I took out a mortgage with HSBC in 2005 and was sold a IIPP which at the time they said I was recmommened to have it for their mortgage. I have been paying ever since even though I don't have their mortgage now. I totally forgot about it, but just…
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Question from the newbie!
Hey Guys, Just came across this website, and found the link to the PPI claims. I took a loan out in my gap year in 2004 for a car before I went to uni in September of that year. Two things here, I was pressured into taking out more than I had planned for, and was pushed into taking insurance. I've now found out I wasn't…
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blackhorse ppi
Hi all , I have had a letter today from Blackhorse regarding a complaint i sent them for mis selling of ppi . It state they did agree we were mi sold ppi as we had 10 days cooling off period (due to it being a sercured loan ). and they gave us full details of ppi to be paid etc......blur blur Then they write " There have…
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Can anyone help with figures?
My husband has recently one a mis sold ppi claim against Citi Financial and after 10 weeks, we today received the cheque:T,....However not all good as it is for a lot less than we were expecting. :( Can anyone tell me what they believe we should be refunded? We took out the loan on 09.05.05 for £10000.00, with an…
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bank of scotland
hi we are self employed, and successfally relclaimed with the abbey no problem did.nt have to go to the ombudsman, we have another one with the bank of scotland which we sent of the first letter they refused and sent the second letter to them awaiting the reply of them. got the letter ready for the ombudsman, the thing is…
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Hfc and abbey requesting signature
Trying to claim back ppi on old Abbey and Marbles loan, have only sent my first letter req agreement and they have both replied requesting my signature, even though I have signed my letters digitally. Are they at it?
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Topshop Account
I started a topshop account with GE money in 2000 and paid an account premium of around £5-6 per month until September 2003 when i realised the minimum repayment i was making led to about a £5 reduction in the balance. Anyway i went on to default in 2006, the debt was sold to Link Financial and as of Feb 2010 the debt is…
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how to work out refund
I wondered if you clever people could help me work out how much I should be refunded from the following accounts, i will try to give you as much details as possible. I believe I should add intrest but thats where I get lost . Account 1 Dates drawndown : 26/03/1999 Date borring repaid :20/05/2000 Borrowing term :3 yrs…
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WELCOME FINANCE (National Campaign)
My name is Carl Pearson and I am now making it my personal mission to take down Welcome Finance once and for all and would love to hear from anyone else who feels the same and would like to join me. I am not sure which circus these clowns belong too or what spaceship they got off but enough is enough...........!!!!! My…
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Fos adjudicators
Hope someone can help me out here with some good information although I know this question has probably been asked a thousand times. I made a claim against Lloyds TSB about credit card PPI which I was paying for almost 17 years!!! I made a claim against them which they refused and I then referred the matter to the FOS in…
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hbos still not issued a response after 8 week deadline!
Hi all hoping someone out there can help me with this one. Ok so i had raised a claim for misselling of PPI on 5 loans held since 2003. In due course i received my first letter standard we are looking into things for you etc. then received another after about 4 weeks saying still looking will have a response no later than…
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Loan Agreement - misspelled name
Hi All Hubby has received the copy of the original loan agreement, but his middle name is spelt wrong. He wants to reclaim the PPI, But I wondered if he may have a case for unenforceability?? Its with RBS Thanks you
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PPI claim trouble
I have tried to claim my PPI back from Bank Of Scotland and just recieved a letter from BOS together with a photocopy of of my Application form when applying for my credit card. The card i applied for was through Unison and was a postal application that was completed without any advice. I to only spoke to Bank Of Scotland…
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No joy from local Branch!
Well as expected, the letter I typed and put through my local Llloyds asking for my loan account number from 1993 was never replied to (gave them a month). I have now printed off a SAR request and sent it recorded with a £10 postal order. The only information I could supply to them was our previous mortgage account number,…
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The infamous "Ben Ryan" !!!!
Finally managed to get SAR from Natwest, applied on the 10th Dec 2009 and finally received it on 10th February after many phone calls. Received a letter on Sat to say that they are looking into my claim and that "Ben Ryan" would be looking into my claim. Am hoping that the process will be quicker than usual due to the fact…
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Black Horse Claim
Hi I have made complaint about PPI to Black Horse was told in theory on the Dec 11th complaint upheld by complaint deptment, but as it a large sum and we are talking 5 figures it has to go to another deptment for ratification at first I was told that could take a further 8 weeks so total of 16 for decision. It now at end…
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Natwest credit card
Hi, does anybody know how far back you can get statement details from natwest credit cards. Done the SAR and only 6 years have came back. Card is about 14 years old. Main issue is the PPI on the card that my better half never understood she was paying and didn't need. Natwest have said they haven't got the application, and…
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Lloyds TSB LPI
Hi I took out a loan in Nov 2007 and i took out LPI, this was my own fault for not reading my paperwork! However I have 12 months left on my loan so i just rang them up to cancel the LPI. The forst adviser told me that if i cancelled it they would have to restart my loan and the APR would go from 16.9 to 24!!!! Which means…
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Alliance & leicester made me a offer
I made a phonecall to Alliance and leicester on monday the 8th feb and the same day sent them a SAR. And yesterday i received a offer off them as they were unable to establish whether i was provided with sufficient details to allow me to make a informed decision. they offered me: £223.34: rebate adjustment £77.12: total…
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Reclaiming Success
Hi All, I had some excellent news yesterday and all it took was 1 letter to Egg. I wrote to the to complain about PPI and I got a total refund of £3395 which cleared my loan and gave me a cheque for £244. All thanks to money saving expert. Thanks