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I would like to bring PPI claims against GE Capital, Marbles, CITI and Barclaycard for cards taken out between 2000 and 2005. I don't remember having a discussion about whether the PPI insurance was what I needed, prior to it being added to my account.
Will this be sufficient to make a claim or do I need to have tried claiming on the PPI without success before I will claim for mis selling?
No you do not have to try and claim first, being mis-sold a policy can have many reasons.
Some of which are below:-
1 You were not in work or self employed at the time of sale
2 You were told that you had to take the PPI out at the same time as the loan or not at all
3 You were not asked whether you had any other insurance which would cover the loan
4 You were not told you could buy PPI elsewhere to cover the loan
5 You were sold a policy which had age restrictions which you fell outside of
6 You were led to believe that Payment Protection Insurance was compulsory
7 You were told that you would stand more chance of getting the loan if you took the Payment Protection Insurance
8 It was not explained to you that there were certain exclusions within the policy that could affect you
9 You were pressured into buying the PPI
10 You paid upfront for the PPI but it was not explained that there were some PPI policies where you could pay monthly
11 Your PPI was an upfront premium and you repaid the loan early and received no refund
12 You increased your loan and the PPI was increased automatically
13 The Terms & Conditions of the small print were not fully explained to you
As your claims are for PPI attached to credit and/or store cards you will need all the statements for each to work out what you paid and what the interest rate was at the time because its a sure bet the PPI was added before interest was so you want this back too.
To do this you will need to send a Subject access request LETTER to each of the card companies unless of course a company owns two cards then one S.A.R will do.
To do this it will cost you £10 for them to search their records and archives this fee is statutory as laid down by the data protection act 1998.
I would also suggest sending all S.A.R letters recorded delivery at least and get a receipt.
You have to allow 40 days this is also statutory so mark a calendar or add a note to your mobile phone the day you sent it, it is 40 calender days not business days.
Link to the S.A.R letter below just edit to suit your needs.
Yes because you are making the request for them to supply all the data they hold on you like statements etc and until you have this you cant make a claim.
You need to know how much you are claiming first, do not rely on them to make the calculations as they will get it wrong remember they are in business to make money not give it away.
Do your own calculation first them claim if you need help to do that we are here.
ok, thanks - I will get the SAR off tomorrow! Any idea how long these claims are taking from start to finish, also should I go Ombudsman route or just lba and then issue
How long is a piece of string some claims take 8/10 weeks some take months nearly 12 in my case.
If you reach deadlock with the bank then you can go via fos but the bank has to take the complaint on first
Currently the FOS is taking 9/12 months to resolve cases due to the high demand having said that though they do uphold nearly 90% of cases in the claimants favour.
The Court route ay be quicker but there is no guarantee the judge will find in your favour also if you go the court route first that is final as the FOS cannot over rule a judges verdict.
Advice needed
claims against GE Capital, Marbles, CITI and Barclaycard for cards taken out between 2000 and 2005. I don't remember having a discussion about whether the PPI insurance was what I needed, prior to it being added to my account.
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