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Just a quick question really i got a letter back from Halifax saying the norm that i was not mis sold PPI on my loan which was added as a lum sum on top of my loan. For one reason or another i never took the fos route within the 6 month time frame is it now to late?
[quote=andyt605;2206879]Just a quick question really i got a letter back from Halifax saying the norm that i was not mis sold PPI on my loan which was added as a lum sum on top of my loan. For one reason or another i never took the fos route within the 6 month time frame is it now to late? (not 100% sure on this one but you can bet your life you will be in for a fight if you did not respond within 6 months and try to restart the PPI reclaim engine) however there is no point in not trying again. You may end up with a result. there are so many claims hitting the banks they maybe having trouble to keep tracks in which case you could be in with a chance if you have valid reasons for mis-selling[/quote]
can you post up more information on the first attempt but keep the personal stuff to a minimum or pm as required.
see these links for more information on mis-selling as I am not familiar with your first claim.
THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS loan payment protection insurance and a quote from this link...
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.
Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.
hope this helps you
aa
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.
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Andyt605 vs halifax loan ppi
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