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I am trying to claim PPI from a loan taken out in 2003, but as there was no regulations then it is proving difficult can anyone advise on this. I am just going around in circles.
I have rung FSA, fos, OFT, Consume Direct and got nowhere
[quote]I am trying to claim PPI from a loan taken out in 2003, but as there was no regulations then it is proving difficult can anyone advise on this. I am just going around in circles.
I have rung FSA, fos, OFT, Consume Direct and got nowhere
Can you supply more details:
1. Who are you claiming against bank,credit card etc?
2. What were the loan agreement details?
3. There were regulations in 2003 so do not be put off you may still have a case to fight.
4. On what grounds are you claiming mis-sold PPI insurance?
If you can supply more detail then more assistance will be coming your way.
Please do not post anything personal such as sort codes, bank or other account numbers, names and addresses, telephone numbers and of course actual names.
We know others are watching for information
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incidentally I claimed back to 1997 on multiple top up loans so do not be put off by the time scales on reclaiming and give it a claim.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
the secured loan had a PPI. I never asked for this and after five years i got a letter to say the PPI had finished. I did sign an agreement that had PPI and this is what they are saying i have agreed to this as there is another one they send out if you did not want it.
My ground was i never asked for it but the agreement had it on and as i said no to PPI i thought that this was just a general thing on there. Not knowing about them back then.
the secured loan had a PPI. I never asked for this and after five years i got a letter to say the PPI had finished. I did sign an agreement that had PPI and this is what they are saying i have agreed to this as there is another one they send out if you did not want it.
My ground was i never asked for it but the agreement had it on and as i said no to PPI i thought that this was just a general thing on there. Not knowing about them back then.
have look at these links below,
If you believe you have a case for mis-selling you can start the ball rolling with a Subject access request statutory fee is £10.00 but you can request all data including a true copy of the original agreement, terms and conditions, statements, other relevent documentation such as a needs and wants questionnaire/Customer duty of care questionnaire which they should have completed to ensure the product was suitable to your needs and requirements at the point of sale.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
The Consumer Forums
Claiming PPI pre 2004
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