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  • FIRST POST
    Former MSE Rose
    PPI Reclaiming Discussion Part 5
    • #1
    • 28th Feb 12, 4:40 PM
    PPI Reclaiming Discussion Part 5 28th Feb 12 at 4:40 PM



    Hi all, this thread is for discussing the
    PPI Reclaiming
    article.

    This is Part 5 of the discussion, as the last one was so long (read parts one, two, three and four). To discuss or ask a question about this article, click 'post reply'.

    To read about non FOS claims read this thread.
    Report and read success stories in this thread
    .

    Please remember:

    We're often quite laid back about discussion threads as this is a community after all.

    I'm afraid in the case of the PPI Reclaiming thread we're really going to have to ask you to keep the discussion on topic though, so that people can find the relevant information quickly and easily.

    If you do start making like-minded friends on here and would like to carry on chatting about what you did at the weekend/what you ate for dinner etc, that's fine, but the best way to do that is to go to our local pub the MoneySavers Arms where anything and everything is chatted about, start a thread there, then pop a link in here and suggest you all head over to there to chat.

    Thanks,

    MSE Rose
Page 510
    • Moneyineptitude
    • By Moneyineptitude 8th Jan 19, 10:31 PM
    • 22,857 Posts
    • 12,388 Thanks
    Moneyineptitude
    I was made bankrupt in 2012, I received number of calls about PPI claims. I asked the Receiver's office could I claim they said no.
    Originally posted by paintings35
    You can read a very detailed explanation of how and why this is correct here:
    https://forums.moneysavingexpert.com/showthread.php?t=3766585

    Sorry.
    • Claresey1
    • By Claresey1 10th Jan 19, 1:03 PM
    • 2 Posts
    • 0 Thanks
    Claresey1
    Hi all, wondering if you could give me a wee bit of advice

    I received this letter from Bank of Scotland this morning. Historically, I had a credit card with them years ago which, honestly, I've no idea if I had PPI on it. I did receive the forms to fill in but didn't do it as they were huge and it put me off. Terrible I know.
    Anyway, I've no idea if the letter is legit or not but I'll type out the wording.

    Dear Mrs French,
    I'm contacting you about your PPI policy.
    We sent you a check for on 9/1/19 in order to resolve an error with our original calculation. However, as the cheque was written more than 6 months ago it has now been cancelled. You will not be able to pay this into your account.
    We are now making arrangements for a replacement cheque to be sent to your home address within 28 days. The cheque will only be valid for 6 months from the date of issue s and will need to be paid into your account within this time.
    Please remember, we cancelled the original cheque displaying cheque number 196298 . This should be destroyed and you should not try to pay this into your account.
    To help identify the correct cheque to destroy, I can confirm it would have been followed by a letter dated 20 December 2017 (??!). If you didn't receive our earlier letter, please contact us on the number above and we'll arrange for a copy to be reissued.

    Then there's a whole bit about contact numbers which are legit and ombudsman details too.

    I'm so confused. Thought id ask the forum before I made an a@@ of myself. It all smells a bit fishy...

    Sorry for the huge post and thanks in advance
    • zx81
    • By zx81 10th Jan 19, 1:09 PM
    • 20,144 Posts
    • 21,488 Thanks
    zx81
    Give them a call.
    • Joby Fox
    • By Joby Fox 11th Jan 19, 1:32 PM
    • 5 Posts
    • 3 Thanks
    Joby Fox
    Reply to Claresey1
    My instincts are the same as yours- it smells fishy. If you haven't submitted a claim why would Bank of Scotland have sent you a cheque? Note also the letter uses the US spelling of cheque (check) which surely BoS would not do. I strongly advise not contacting any number or address given in the letter. Best look up BoS's published contact details and speak to them, to satisfy yourself that they did not send it.
    • Nasqueron
    • By Nasqueron 11th Jan 19, 2:39 PM
    • 6,511 Posts
    • 4,005 Thanks
    Nasqueron
    My instincts are the same as yours- it smells fishy. If you haven't submitted a claim why would Bank of Scotland have sent you a cheque? Note also the letter uses the US spelling of cheque (check) which surely BoS would not do. I strongly advise not contacting any number or address given in the letter. Best look up BoS's published contact details and speak to them, to satisfy yourself that they did not send it.
    Originally posted by Joby Fox

    I think OP typed that up as the correct use of 'cheque' is used later on
    • Bermonia
    • By Bermonia 11th Jan 19, 8:00 PM
    • 117 Posts
    • 73 Thanks
    Bermonia
    Would agree with Joby Fox give em a call to a number from their official website - never trust numbers in letters that you suspect
    • Claresey1
    • By Claresey1 12th Jan 19, 11:33 AM
    • 2 Posts
    • 0 Thanks
    Claresey1
    Thanks guys. I received a cheque this morning..looking back I did sign something. Phoned the bank on the correct number to ensure it was legit.....it is. I'm in shock. 25427.32.
    • marmitelovemehateme
    • By marmitelovemehateme 13th Jan 19, 2:02 PM
    • 3,326 Posts
    • 35,254 Thanks
    marmitelovemehateme
    I have read about PPI and how to claim back...But, I am still none the wiser how to do this myself...I have absolutely no idea whether I have ever had PPI. I have had mortgages and bank and car loans. Just do not have any paperwork.

    Can someone give me an idiots guide where to start. It all seems so daunting and probably easier to get one of the PPI claim firms to do it. Any thoughts please.
    39 Mouses

    OMG, I'm rich! Silver in the hair, Gold in the teeff, Crystals in the Kidney, Sugar in the blood, Lead in the butt, Iron in the arteries and an inexhaustible supply of natural gas! I never thought I would accumulate such wealth!!
    • Nasqueron
    • By Nasqueron 13th Jan 19, 7:02 PM
    • 6,511 Posts
    • 4,005 Thanks
    Nasqueron
    I have read about PPI and how to claim back...But, I am still none the wiser how to do this myself...I have absolutely no idea whether I have ever had PPI. I have had mortgages and bank and car loans. Just do not have any paperwork.

    Can someone give me an idiots guide where to start. It all seems so daunting and probably easier to get one of the PPI claim firms to do it. Any thoughts please.
    Originally posted by marmitelovemehateme

    Follow the MSE guide


    All you do is write to the lender, confirm you had PPI, explain why you feel it was miss-sold and provide evidence that supports that.


    All a claim firm does is make you do all the above but they post the letter for you
    • Avellis
    • By Avellis 14th Jan 19, 10:25 PM
    • 1 Posts
    • 0 Thanks
    Avellis
    Santander
    Hi,
    I wonder if anyone can help?
    I contacted Santander last year to see if they could check for any potential PPI claim.
    I have been with them since it was Abbey National, then Abbey, and now Santander.
    They told me they haven't kept any records from before they were Santander?
    What now?
    Thanks
    • zx81
    • By zx81 14th Jan 19, 10:27 PM
    • 20,144 Posts
    • 21,488 Thanks
    zx81
    Now nothing, if neither you nor they have records.
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