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Hi I Am New Here I Am Trying To Claim Back Insurance Payments I Know Was Mis Sold To Me As I Have Not Worked Since 1979 Never Signed Any Thing Anybody Ever Had To Do This With Littlewoods And Got Their Money Back
Hi I believe there is a couple of people including myself that will be pursuing Littlewoods for PPI.
If you search further down this forum you should be able to find the Littlewoods threads.
You can certainly try and make a claim . But i'm not sure how far back you will be able to go. If you don't have the paperwork to hand then you will need to send off a Subject access request to get all your payment details. You can find a template for this in the sticky'sat the top of the page.
I would advise that you ask for the original CCA too
Once you have done this we can decide how you should proceed from there.
IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.
NATWEST PPI SUCCESS £490 25/08/09
NATWEST PPI 2nd CLAIM WON £1135 02/10/09
A & L PPI £395 WON
CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST
BARCLAYCARD STILL PENDING
LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09
Claiming PPI is essentially reclaiming money which was paid under a mistake. The limitation period for a mistake is six years from the date on which you discovered the mistake.
When did you appreciate that you may have been mis-sold PPI? You have six years from that time to bring your claim -- and you can claim all the way back to the beginning.
If you want to reclaim PPI and you can prove that in some way you were mistaken -- either you didn't know that the policy existed, or that you believe the policy was relevant to your circumstances but it turned out not to be, or in some other way the policy was Missold to you so that it had no validity then you will be able to reclaim your money.
If you think you can prove your case then the best thing to do is to go to the county court and to seek restitutionary damages. This means that you require the company to disgorge all the profits which they made unjustly on the back of the money that they have taken from you. This can be quite a substantial sum and considerably more than you will be awarded by the Ombudsman
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
hi thanks for ur help today i foned them n they said they r looking into it and mentioned a goodwill payment then said they will b investigating it more as two weeks ago i spoke to someone who said they would send me a cheque for last months payment then 2day said they dont do that is gets credited to your account i will give them 1 week then ask for all my statements back i already have 2 years
just recieved responce letter saying they do not agree with me i old them i have been unemployed since 1979 so they then said that they did not realise it was for unemployment and they would look at it again 2nd letter stating that they will still not refund as they do not agree with me as the cover was also for sickness how is this possible as i do not get sick pay or wages i said to them and they said wee sent you a insurance note 3 wks ago that is a lie as i did not get this and never hav had any documents from them so they r now just telling me to go away basically but i dont know what to do know any advice please
just recieved responce letter saying they do not agree with me i old them i have been unemployed since 1979 so they then said that they did not realise it was for unemployment and they would look at it again 2nd letter stating that they will still not refund as they do not agree with me as the cover was also for sickness how is this possible as i do not get sick pay or wages i said to them and they said wee sent you a insurance note 3 wks ago that is a lie as i did not get this and never hav had any documents from them so they r now just telling me to go away basically but i dont know what to do know any advice please
Did you make any claim on the PPI?
Did you receive any payment on any claim on PPI?
You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail
You should request the following documents:
A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.
Copies of all statements applicable to the loan/card/mortgage.
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.
Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.
Do not be fobbed off by them citing issues such as relevant filing systems.
If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
The aim of the game is to get the data through SAR. Read the stickies at the top of the forum to see if you have a valid claim for mis-selling here is a link to help you.... PPI - Some Notes for Claimants..
there are many more links within this and some will be of value please take your time to read and learn before you start to reclaim you PPI money back.
If you have questions just post them up. Do not accept what you are told by the banks in letters they send, do some research, post questions and then submit your claim for mis-selling of PPI.
I had a battle royal with RBS, lots of misleading information and false information but I got a result repaid £10.5k since then nearly another £8k and working on four more plus a load of bank charges so do not give in and accept what the banks tell you fight them for every inch on the PPI front they are losing and losing very badly
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.
No i have never made a claim on the PPI,thanks for that i will be sending off a SAR, is their a template letter i can use ,also do you know if anyone else has won against LITTLEWOODS thank you once again for your help TYNE
You can be specific with what data you request although the Subject access request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail
You should request the following documents:
A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.
Copies of all statements applicable to the loan/card/mortgage.
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.
Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.
Do not be fobbed off by them citing issues such as relevant filing systems.
If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
Best to try and ensure you get every scrap of data they hold on you.
If they come up with excuses then complain to the Information Commissioners Office about their failure to comply with the Data Protection Act 1998.
Also keep up the pressure on them for mis-selling if you have a solid case.
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.
thanks once again for your help i will do that monday morning i am not giving up with them as i know it was mis sold to me i am unemployed and was at the time they said i took out the insurance which i hav no memory of at all thanks again TYNE
i just ithought i would let everyone know that my complaint is now with aviva who r littlewoods underwriter the fos redirected my complaint to them they have written to me to say i will hav a decision in 10 working days if they refuse the fos say i can then complain about then so fingers crossed will let u know of final decision tyne
Hi not posted for a while as i have been waiting on a decision by an Ombudsman , my adjudicator upheld this in august 2010 but aviva appealed the decision so now still waiting anyone know how long this might take TYNE
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Originally Posted by TYNE
