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Hi,
I have recently had a cold call from a claims company telling me I can claim thousands of £'s back from PPI's. I went through my loans over the last few years and they said I could claim back a minimum of £6k, this was without being sure if I had ever PPI with these loans. At the end of the convo he said "you could claim all this for £199 upfront fee"... hmmmm
Sounds nice but I dont have £199 at this moment in time! Is there a process to do this off my own back? I have the loan refernce numbers but I cant remember if I had any PPI's im sure i must have had one or two somewhere.
yes you can apply to claim back any PPI you think may have been miss sold and it will cost you nowhere near that amount!
As long as you have your account number contact the bank/company in question issue a SAR, include your £10 and by law they will have to send you all of the information on the account. Then you can decide if you have a case.
Do not be taken in by these companies
you can do everything yourself
9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
20-1-07 S.A.R - (Subject Access Request) sent Capital One
20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
20-1-07 S.A.R - (Subject Access Request) sent Marbles
20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
22-5-07 Halifax *Won* £1025
23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
Thanks for the quick reply.
I have to pay £10 for a copy of each loan details? Seems a little steep, esp when i got 6 or 7 of them and I have no idea if i took out PPI
You have to pay £10 for ALL the information the bank have. If that means they have to supply the details of 10, 20 or more accounts then so be it. Just include all account numbers
ONE £10 fee per bank
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Ok, that should break it down a bit, HSBC, M&S and Egg.
Sorry to be a pain bet is there a default SAR form in the consumer forum library? Struggling to find one.
Also, do i enclose a £10 cheque as its states UPTO £10 so I wont know the cost when sending the SAR out.
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Ok, that should break it down a bit, HSBC, M&S and Egg.
Sorry to be a pain bet is there a default Subject access request form in the consumer forum library? Struggling to find one.
Also, do i enclose a £10 cheque as its states UPTO £10 so I wont know the cost when sending the Subject access request out.
Thanks again
It will be £10.00 per bank and a Postal Order or cheque is the way to pay.
You should also ensure you send the mail recorded signed for delivery so you have a proof of receipt. You can then count down your 40 day deadline.
SAR from the stickies at the top of this forum.... Full SAR for ppi
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.
Ok cheers guys, they have been sent.
I have found an old one from HSBC, is there a possiblity i can claim? Im being hassled by two claims companys to pass me the details bit at £200 upfront cost and 20% commision (plus they are way to pushy!) I would like to do this myself:
HSBC - loand started Dec 05
Principal Loan £4800 PPI £790
30 months
14.9%
I have noticed I ticked and signed the following box:
" I X X wish to purchase a Personal Loan Protection Plan
I understand that I am purchasing the product ticked above on credit provided by you and the the terms relating the credit to the product can be found above and in the Loan Terms attached"
Ok cheers guys, they have been sent.
I have found an old one from HSBC, is there a possiblity i can claim? Im being hassled by two claims companys to pass me the details bit at £200 upfront cost and 20% commision (plus they are way to pushy!) I would like to do this myself:
HSBC - loand started Dec 05
Principal Loan £4800 PPI £790
I have noticed I ticked and signed the following box:
" I X X wish to purchase a Personal Loan Protection Plan
I understand that I am purchasing the product ticked above on credit provided by you and the the terms relating the credit to the product can be found above and in the Loan Terms attached"
Any ideas where I stand on this??
Thanks again
If you have a valid reason for claiming mis-selling.
CLAIM IT.
You may have ticked the box but unless all the details were explained to you and you should see this as they should have completed a questionnaire to ensure all the correct questions were asked to ensure the PPI was suitable to you needs... this is an example...
PPI products have been pushed onto unsuspecting consumers. Very few products have fulfilled the requirement of Insurance due to the exclusion clauses, some have been added on without the creditor being made aware and quite a lot have been added with no Consumer Credit Agreement only an Application Form which does not fall within the Legistlation of the Consumer Credit Act 1974 and so would more than likely be unenforceable.
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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.
New PPI Claim, how?
's. I went through my loans over the last few years and they said I could claim back a minimum of £6k, this was without being sure if I had ever PPI with these loans. At the end of the convo he said "you could claim all this for £199 upfront fee"... hmmmm
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