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I took a loan from the Money Back Bank (A&L) in December '06 for £4700. I took the PPI by choice, in case I lost my job.
I had the paperwork through and all was fine.
December '08 I was made redundant (Merry Christmas!), and decided that I could not afford to live in the UK, so moved to Germany to be with my GF. I checked the paperwork I had for the PPI, and it said nothing about PPI claims from abroad, just claiming benefits. I went online, and found the same info.
I moved to Germany and started to claim benefits, and finally got confirmation that I would get money in May (and you thought the dole office were slow in the UK!). I wrote to A&L when I was in receipt of benefits, asking for the PPI to pay the loan.
I got a letter back from Genworth, the insurance company, telling me my claim had been disallowed, as I had not filled in an E303/1 form before I left the UK. I checked the paperwork I had, which was the Keypoints document, and there was no mention of this. Genworth told me it was in the T&C's document, something I never got.
I have since written to A&L, asking for the CCA, the T&C's and to make a formal complaint. They have acknoledged this, but not responded, it has been three weeks now.
I have not defaulted on payments, but will do next month, as I don't have the money to pay, any ideas about what I can do about it?
I ant to pay the money I borrowed, but I took the PPI to cover me if I lost my job, and now they won't pay out.
I took a loan from the Money Back Bank (A&L) in December '06 for £4700. I took the PPI by choice, in case I lost my job.
I had the paperwork through and all was fine.
December '08 I was made redundant (Merry Christmas!), and decided that I could not afford to live in the UK, so moved to Germany to be with my GF. I checked the paperwork I had for the PPI, and it said nothing about PPI claims from abroad, just claiming benefits. I went online, and found the same info.
I moved to Germany and started to claim benefits, and finally got confirmation that I would get money in May (and you thought the dole office were slow in the UK!). I wrote to A&L when I was in receipt of benefits, asking for the PPI to pay the loan.
I got a letter back from Genworth, the insurance company, telling me my claim had been disallowed, as I had not filled in an E303/1 form before I left the UK. I checked the paperwork I had, which was the Keypoints document, and there was no mention of this. Genworth told me it was in the T&C's document, something I never got. (usual sort of stuff no T&C's so you are unable to check the small print in detail)
I have since written to A&L, asking for the CCA, the T&C's and to make a formal complaint. They have acknoledged this, but not responded, it has been three weeks now. (did you send the Subject access request with the statutory fee of £10.00?)
I have not defaulted on payments, but will do next month, as I don't have the money to pay, any ideas about what I can do about it?
I ant to pay the money I borrowed, but I took the PPI to cover me if I lost my job, and now they won't pay out. ( and here we have yet another mis-sold PPI product)
Bob.
If you have sent a SAR A&L have 40 calendar days to comply by issuing all the data applicable to you as a data subject.
Are you aware A&L have been fined by the Financial Services Authority for mis-selling PPI. Here is a link...
I would give them the 40 days if you get no responce issue a letter of non compliance of the requirements within the Data Protection Act 1998 also complain to the Information Commissioners Office and the FSA.
Have a look in here for all the relevant information.
hope this helps you to get started on getting your PPI back.
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.
I would rather the insurance paid out than getting the money back for the PPI. I took the insurance out in case of redundancy, and followed the rules according to the paperwork I had. I even checked before I left the UK, I looked on the A&L website about claims from abroad, all it said was 'receipt of benefits', nothing about completing forms. The link to the T&C's on the website takes you to a contact page, and not a copy of the T&C's.
If I had known I cold of signed on for a few days in the UK, and then moved, and they would of paid.
What are the chances of getting them to pay up under the insurance?
if they refund the PPI I still have to pay the loan, and I can't afford to do that.
I would rather the insurance paid out than getting the money back for the PPI. I took the insurance out in case of redundancy, and followed the rules according to the paperwork I had. I even checked before I left the UK, I looked on the A&L website about claims from abroad, all it said was 'receipt of benefits', nothing about completing forms. If you believe you have a strong case then you should complain to the fos, FSA, OFT and the ICO stating your case as it would appear the information you have been given was totally insufficient for you to make a valid claim due to the ommited information that should surely have been included in the terms. The link to the T&C's on the website takes you to a contact page, and not a copy of the T&C's.
If I had known I cold of signed on for a few days in the UK, and then moved, and they would of paid.
What are the chances of getting them to pay up under the insurance? ( you are asking me a question which I cannot answer and it would be wrong for me to try and hazzard a guess on the chances)
if they refund the PPI I still have to pay the loan, and I can't afford to do that (Do you have a true copy of your consumer credit agreement ?)
.
you will have to do some deep delving on this case but folks will step in to advise along the way
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.
PPI Claim from abroad?
by choice, in case I lost my job.
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Originally Posted by skintabroad
