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Hi,i have just registered, so i am a newbie who has a couple of questions to ask apologies if this is the wrong section.
I am a self employed builder,last year i went into my local NW branch with a view of taking out a loan which i did within 30 mins of talking to an advisor this included a PPI. I now find i have no foreseeable work short or long term . I called in at NW this morning to discuss options regarding the payments of £230.00 per month. It seems the ppi only covers me if i cease trading, i was led to believe that it cove RD me for basic unemployment i was also asked if at the time of taking out the loan was i asked to provided any accounts for proof of income which i wasn't . The look on the customer advisers face basically said it all or am i reading into this to much, i can cancel the ppi at a cost but should i have been asked to show proof of income prior to the loan being signed.
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Hi,i have just registered, so i am a newbie who has a couple of questions to ask apologies if this is the wrong section.
I am a self employed builder,last year i went into my local NW branch with a view of taking out a loan which i did within 30 mins of talking to an advisor this included a ppi. I now find i have no foreseeable work short or long term . I called in at NW this morning to discuss options regarding the payments of £230.00 per month. It seems the ppi only covers me if i cease trading, i was led to believe that it cove RD me for basic unemployment i was also asked if at the time of taking out the loan was i asked to provided any accounts for proof of income which i wasn't . The look on the customer advisers face basically said it all or am i reading into this to much, i can cancel the ppi at a cost but should i have been asked to show proof of income prior to the loan being signed.
If you were self employed and the PPI does not now cover you then you were clearly mis-sold the PPI.
Please start here and read up on the mis-selling issues also start the fight back for the PPI refund by sending off a Subject access request.
First the mis-selling please check out this link...
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.
Also check out this link for loads more information on the PPI issues.
a lot of work but eventually worth it to reclaim mis-sold PPI.
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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.
Not to sure about this.
. I now find i have no foreseeable work short or long term . I called in at NW this morning to discuss options regarding the payments of £230.00 per month. It seems the ppi only covers me if i cease trading, i was led to believe that it cove RD
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Originally Posted by Doversoul
