PPI - Some Notes for Claimants.. - Page 5

Kaaron · 11th July 2007, 12:31

Very interesting thread this - I took out an M&S storecard in 1995 and on the application form it asked how many hours I worked. At the time it was under 16 hours so I had to name my partner.Last year I was made redundant and tried to claim on the PPI but was told I could not as my partner was named , not I. This sucks, as the card is in my name, I made all the payments and they must have had about £3,000 of my money.
They have now served me with a default notice. I phoned someone at the FOS and all they said was "that is correct, if your partner is named , he is the one insured." Is there anything I can do ?

hellhasnofury · 11th July 2007, 12:46

Quote:

Originally Posted by Kaaron

Very interesting thread this - I took out an M&S storecard in 1995 and on the application form it asked how many hours I worked. At the time it was under 16 hours so I had to name my partner.Last year I was made redundant and tried to claim on the PPI but was told I could not as my partner was named , not I. This sucks, as the card is in my name, I made all the payments and they must have had about £3,000 of my money.
They have now served me with a default notice. I phoned someone at the FOS and all they said was "that is correct, if your partner is named , he is the one insured." Is there anything I can do ?

Hello Kaaron,

MMMMmmmmm please let me help you with this one pllleeeeaaassse.

The FOS aren't really helpful I have found to my disappointment, but I have had and have an on-going fight with the mighty M&S. Their not as clever and as mighty as they think

Start a new thread on the ppi forum so I can give you some tips and useful information regarding the mis-sold ppi and the application form

oh oh and the default

Kaaron · 12th July 2007, 16:27

Hellhasnofury-like it!

Yes it,s been a bundle of laughs .M&s have been extremely polite so far but they haven't responded to my enquiry as to why they can't pay me my money yet.

I'd be very grateful for your input here.
Many thanks for the response so far.

hellhasnofury · 12th July 2007, 16:31

Quote:

Originally Posted by Kaaron

Hellhasnofury-like it!

Yes it,s been a bundle of laughs .M&s have been extremely polite so far but they haven't responded to my enquiry as to why they can't pay me my money yet.

I'd be very grateful for your input here.
Many thanks for the response so far.

Hiya Kaaron,

Start your own thread and fill us in with the history,events and where you are now please

I am glad to help

Kaaron · 12th July 2007, 16:45

Great - but how do I start a new thread doh!

hellhasnofury · 12th July 2007, 16:53

Quote:

Originally Posted by Kaaron

Great - but how do I start a new thread doh!

Hiya Kaaron,

You will get used to the site.

Click on the main ppi thread. on the top lefthand side just under the main heading for the consumer forums. You will see a tab with new thread on in, click on that and leave your post.
Good luck

Kaaron · 12th July 2007, 17:00

Thankyou ! Thankyou1 Thankyou!

jubaxt · 12th July 2007, 21:13

hi-sent a letter to welcome asking for refund of mis-sold ppi-14 days have now lapsed and need to send lba but not sure where i can find a template or how to word it-thanks.

i was a casual worker and was also not given the option of refusing it

hellhasnofury · 12th July 2007, 21:24

Quote:

Originally Posted by jubaxt

hi-sent a letter to welcome asking for refund of mis-sold ppi-14 days have now lapsed and need to send lba but not sure where i can find a template or how to word it-thanks.

i was a casual worker and was also not given the option of refusing it

Hello Jubaxt,

How many posts have you now made on the ppi forum. Please can you keep to one thread, it is so hard to keep up with you. I have just put a lba letter on Matt ppi thread, have a read of it and see if it is of any use to use. If you need help please post on one of your other threads.

Sorry to be blunt, but I can keep up with you

jubaxt · 12th July 2007, 21:54

HI-HELL

Just read the above post re matts lba but it reads to me as a prelim-you have added on the bottom that after 14 days a lba will be sent-this letter is similar to the prelim i sent

hellhasnofury · 13th July 2007, 08:40

Quote:

Originally Posted by jubaxt

HI-HELL

Just read the above post re matts lba but it reads to me as a prelim-you have added on the bottom that after 14 days a lba will be sent-this letter is similar to the prelim i sent

Hey Jubaxt, well spotted

Pasted the prelim up in error.
Have changed it now

Thanks

lemma1968 · 29th July 2007, 19:16

Subscribing.

joemarket · 30th July 2007, 10:30

Hi Everyone, its me Joemarket with yet another request from anyone. I need to cancell my ppi with welcome Finance but wonder if there is a special template for this. Any help will be appreciated.

hellhasnofury · 30th July 2007, 10:49

Quote:

Originally Posted by joemarket

Hi Everyone, its me Joemarket with yet another request from anyone. I need to cancell my ppi with welcome Finance but wonder if there is a special template for this. Any help will be appreciated.

Hello joe,

There is not template as far as I am aware,

Just write to them instructing to cancel your ppi forthwith and maybe read this link and make a quote from it

Start a new thread on the ppi forum, so we can help you if needed
Good luck and may the force be with you

Consumers to benefit from PPI refunds agreement

lemma1968 · 2nd August 2007, 16:08

Subscribing

jamesroberts · 17th August 2007, 12:24

Hi There,

I am about to make a claim against London Mortgage Co.

I was 'sold' a ppi policy for a £35k loan at a cost of £4200 which of course was added at the start of the loan in October 2004.

I repaid the loan in full in January 2006 and they charged me £1814 prepayment penalty but made no mention of refunding the ppi.

I am also self employed.

I paid them £518 for 15 months and still ended up owing them more than I borrowed at the end of it!!

I assume I add all of this info to my initial claim letter??

thomass1949 · 17th August 2007, 13:35

Hi I have just received a letter from LLoyds Insurance agreeing to refund 3 PPI's. Two of them were with loans that are settled in 2004. One having been added to an 'new loan' and consolidated. I had small refund on that one. They have offered to refund plus interest. I have no problem with this. However, I still have a loan with them for £4015.73. I have been paying this since 2004 and they say I still owe over £3,000. The loan was 5 years. Off course the PPI was a single payment policy. They have agreed to refund the PPI plus interest. My problem is that they have stipulated that they pay this refund into my loan account. This loan is unenforeable. I have requested a copy of the loan agreement and they have not and the enforcement date expired in early July. Has anyone any advice on how to proceed. I would be very grateful.

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