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Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
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Would you like to clean up your credit file? Check it out | | | | | | | Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process. | Welcome to The Consumer Action Group and The Bank Action Group
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13th January 2007, 19:30
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#4 (permalink)
| | Platinum Account Customer | Re: Advice Needed Quote:
Originally Posted by andybellenie should I then write to HFC to ask for refund of the full ppi or would I be wasting my time?
Just really annoyed today after hearing that I had somehow paid 60months of PPI and am only 36months into the loan - | Hi Andy,
That is normal practice for these Single Premium PPI policies, you finance the policy by increasing your original loan amout. The premium for the policy is then paid in full by the lender to the Insurance provider, If you wanted to hack them off a bit too you can ask them to tell you what level of Commision was paid on this policy?.. As stated on Trevor McDonald last night it can be anything from 50% to 90% of the price you pay for the policy. And remember if your loan is for over the 5 years you will of Course not be covered after the 5 years unless you take out another policy or arrange PPI yourself from an Independant Provider.
I can give you an example of what I was offered when I asked about cancelling a similar PPI policy.. The cost was £3388.00 plus of course Interest ( another £4000.00), After around 30 Months of the policy running I asked what refund would be given if the policy was cancelled..Well it was a staggering £97.00. So you can see what sort of offer they may make you ..Something wich you pay over £7000.00 in real terms and they offer you under £100 after it has run for half of the cover period. I had no claims on the PPI either, so no excuses there for them.
Ian |
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