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I took out a loan with Alliance and Leicester in 2003 and took PPI.
However, I did this completely online, so I was totally unaware of certain things such as being able to obtain PPI from other providers, that it wouldn't cover existing illnesses, or I believ that if my employer at the time paid me full sick pay9 which they would, that they would not pay out.
Part way through the loan I started a dmp with CCS who advised me to cancel the PPI as it would not be valid while on the dmp. I attempted to do this but was told I couldn't unless I settle the loan with another without PPI. Obviously on a DMP this was no option at all.
Would I have a claim for miss selling I'm at a loss to see how online customers could claim miss selling as there is no telephone contact when taking out the loan.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
I took out a loan with Alliance and Leicester in 2003 and took PPI.
However, I did this completely online, so I was totally unaware of certain things such as being able to obtain PPI from other providers, that it wouldn't cover existing illnesses, or I believ that if my employer at the time paid me full sick pay9 which they would, that they would not pay out.
Part way through the loan I started a DMP with CCS who advised me to cancel the PPI as it would not be valid while on the DMP. I attempted to do this but was told I couldn't unless I settle the loan with another without PPI. (this is not quite accurate) Obviously on a DMP this was no option at all.
Would I have a claim for miss selling I'm at a loss to see how online customers could claim miss selling as there is no telephone contact when taking out the loan.
Can I first ask do you still have copies of the original paperwork?
When you send the SAR you should specifically ask for these items:
A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan.
Copies of all statements applicable to the loan.
Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.
Copies of all recorded telephone calls or transcripts of the recordings. (not at the point of sale in your case but since)
A copy of the needs and wants/ customer duty of care questionnaire... here is an example. (they will not be able to produce this for an online application so how can the be certain the product (PPI) being sold was suitable?)
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 only paperwork I have is the orignal credit agreement and the PPI agreements.
I would send them a Subject access request to ask for all your other data as mentioned above.
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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.
A&L PPI Question
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Originally Posted by Laney65
