PPI - Some Notes for Claimants..

[BaldyBaldwin]

quick question. . . i had 2 loans with halifax which i only found out about after a Data Protection Act request about charges, never told about it, never saw policy.
haver now got insurers name and address, so, my question is, should i send them a Subject Access Request reuest or a Data Protection Act request??
any help always appreciated
BB

[BaldyBaldwin]

ooopps. . . ment a CCA request and not a Subject Access Request , well it has been a long day

[horseychick]

Hi i was wondering if you could help.i took a new loan out in november 2006 to consolidate my debt.i was advised to take ppi as it was a large amount i was taken out,i told the personal banker that i had a bad back,but he never said if i ever claimed on my back THEY WOULD NOT PAY OUT! so i really think he missold the ppi to me! because just after new year.i could not go back to work with my back,so as usual away i went to pay for my treatment at the osteopath.in feb my disc in my lower back had burst,so i,ve tried to claim & they are saying it was a pre- existing condition.i have paided for the operation private & which has cost me a lot of money.how can this be pre-existing as i never had an operation on my back before!! can you help in this situation.

regards horseychick.

[BaldyBaldwin]

hi horsey,
sounds like you have a good case there, if you informed them of your bad back at time of taking out the PPI, you were telling them of a pre-existing condition and they should have checked the suitability of the policy they were selling you.
IMHO you should now do a Subject Access Request to the insurers to get all the relevant paperwork and see what turns up

regards BB

[reidnet]

Have to agree with BB on that one, Get all the info from them that you can before you start your claim for mis-selling.

Ian

[hellhasnofury]

Originally Posted by horseychick

Hi i was wondering if you could help.i took a new loan out in november 2006 to consolidate my debt.i was advised to take ppi as it was a large amount i was taken out,i told the personal banker that i had a bad back,but he never said if i ever claimed on my back THEY WOULD NOT PAY OUT! so i really think he missold the ppi to me! because just after new year.i could not go back to work with my back,so as usual away i went to pay for my treatment at the osteopath.in feb my disc in my lower back had burst,so i,ve tried to claim & they are saying it was a pre- existing condition.i have paided for the operation private & which has cost me a lot of money.how can this be pre-existing as i never had an operation on my back before!! can you help in this situation.

regards horseychick.

Hello, do you still have the terms and conditions of the ppi policy. Sometimes there are excussions, such as backache and mental illness(no hope for me then) But if there is this should have been made clear to you

[mgp]

Have a loan with bank together with PPI and was considering taking a 1 month repayment holiday, have to complete a new agreement which made me aware of the high cost of PPI, my questions are can I cancel the 3 year old PPI and how would I do this? have read somewherethat some banks insist on PPI, is this is the case can it be bought elsewhere?

[hellhasnofury]

Payment protection insurance - The OFT's reasons for making a reference to the CC

Important link to read

[peterbard]

Hio
Slightly off topic i know but io wonder if yu could clarify something for me.
Iknaow that conditional PPI ie no PPI no L:oan cannot be included inthe credti but have to be in the total charge for credit nd therdfore reflect in the APR.
But earlier i noticed that PPI when voluntary can be added to the loan.
I was of the oppinion that this sort of linked transaction had to havea sepperate ageement withn the overall agreement with seperate and combined APRs.
I wonder if someone could put me straight.


Best regards
Peter

[hellhasnofury]

Originally Posted by peterbard

Hio
Slightly off topic i know but io wonder if yu could clarify something for me.
Iknaow that conditional PPI ie no PPI no L:oan cannot be included inthe credti but have to be in the total charge for credit nd therdfore reflect in the APR.
But earlier i noticed that PPI when voluntary can be added to the loan.
I was of the oppinion that this sort of linked transaction had to havea sepperate ageement withn the overall agreement with seperate and combined APRs.
I wonder if someone could put me straight.


Best regards
Peter

Hello Peter,##Nice to see you in our neck of the woods. I think your best bet is to pm reidnet. He is our champion in the ppi forum.

I was just thinking about credit agreement and the mis-selling of ppi. Surely when they have paid it back, it would make the credit agreement void.

Sorry ask a question, get a question, but its your own fault for being so knowledgable

[peterbard]

If ihey were saying it was a mandatory poicy you could say you were missold the agreement and possibly get them under 127(1) but i would have to think about it a bit more

Peter

[hellhasnofury]

Originally Posted by peterbard

If ihey were saying it was a mandatory poicy you could say you were missold the agreement and possibly get them under 127(1) but i would have to think about it a bit more

Peter

Many thanks peter

[mariejader]

My neice has charges which I think is PPI

Can anyone confirm if this is the same

Cardholder protection Plan and then it changes to Payment Protection Cover again these show montly and I guess interest is charge on top of this?

Some months she has been charged £2 other months £70, she said she did not know about them and signed up for the credit card (Lloyds TSB) on the net.

Also if she able to claim will these charges have to be on a seperate claim from her penality charges (late charges)

[hellhasnofury]

Originally Posted by mariejader

My neice has charges which I think is PPI

Can anyone confirm if this is the same

Cardholder protection Plan and then it changes to Payment Protection Cover again these show montly and I guess interest is charge on top of this?

Some months she has been charged £2 other months £70, she said she did not know about them and signed up for the credit card (Lloyds TSB) on the net.

Also if she able to claim will these charges have to be on a seperate claim from her penality charges (late charges)

Hello,

There are many names for ppi and I would think the above is ppi and they do charge interest on top

Personally I would do the two claims seperately as I would only confuse matters.

Start a thread on the ppi forum for any further questions.

[thomass1949]

You may also be eligible for claiming lost payouts, if you were turned down on a policy that you should never have been sold. The firm must reply within eight weeks.

Hi Can anyone have any useful info on the above. Its in regard to PPI's. this is quite interesting as I am attempting to get my money back because I was constantly refused when claiming.

[thomass1949]

Originally Posted by thomass1949

You may also be eligible for claiming lost payouts, if you were turned down on a policy that you should never have been sold. The firm must reply within eight weeks.

Hi Can anyone have any useful info on the above. Its in regard to PPI's. this is quite interesting as I am attempting to get my money back because I was constantly refused when claiming.

Hi. I am wondering if anyone can help me with the above as I have not had any contact from anybody about this. Has nobody chase their PPi's regarding this or is this a new area to be tackled. If anybody does have any experience of deal with this issue PLEASE post it on this site. Its very lonely in this place. Thank you.

[casbah]

I am trying to sor