Need Some Guidance On Ppi!! Can You Help??

**sheriehartill** · 28th May 2008 16:07

:-? Hi There

I am not very clued up on the anything to do with PPI icon

, the only thing i know is that i had them with my first two loans.

Thinking back at when i took my loans out (this was back in 2005 so forgive me if i am vague), i do remember within 30 days of taking out the loan i was made redundant icon

, struggling to make ends meet I phoned up to make an application for my PPI to kick in and help me until i got a new job.

I couldnt beleive it when they said i did not qualify for anything as i cannot claim within the first 30days of the PPI this left me with the serious issue of having to find money from nowhere to make my payments.

But that was the only time i would have ever needed the PPI and i could have it, but i still carried on paying for the insurance. i did feel very conned at the time when they said i could not make a claim.

Does this qualify me to be able to claim back anything???

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**Goldlady** · 28th May 2008 23:24

Hi, was the PPI icon

front loaded onto the loans? Were you led to believe that it was a condition of the loan that you took out the insurance? Were you told that there was a 30 day time limit for claims? There is a list of reasons for reclaiming PPI - if you look under my username you will see the letter I sent on behalf of friends listing all the reasons for reclaiming their PPI.

If it was added to the loan balance at the outset there is a good chance you can reclaim it. Have you now paid these loans off?

**sheriehartill** · 29th May 2008 11:17

Hi Goldlady,

I just paid for loan which had PPI icon

was included in the payments. I am not sure if i was led to believe it was a condition. But i didnt have any idea you couldnt claim in the first 30 days. I have finished paying both loans now.

Do I ask for a copy of any credit agreement to do with the loans etc.?? What would be my first move? I will take a look at the reasons on list.
Many Thanks

**Goldlady** · 29th May 2008 18:27

If both loans were with the same lender I think sending them a SAR icon

(with a cheque for £10) will get you the information you need. If the loans were sold to you over the phone you should also get tape recordings of the calls which will hopefully add strength to your claim. In any event, if you make it clear in the SAR icon

that you want information on every account you have had with them you should get the original agreements, statements etc.

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