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Hi to you all..I hope some one can advise or guid me through the mine field that is PPI claimimg.I was made redundant in sept 08 and imediatley got a job working for the n.h.s. as a tempery worker and was there till the end of may when the person i was covering for[long term sick leave] returned to his job.I managed to get a job labourering for a builder but i had to join the c.i.s. scheme [tax] and register as self employed which i did.Unfortunately the work tried up and i was finished on the 16 sept 09 and that is where i find myself now.Im claiming on all my credit which im paying ppi insurance on,already i have a funny feeling these snakes are trying to wriggle out of paying out...they dont seem at all sympathetic to my plight and dont seem forthcoming or helpful,two are saying they dont cover temp worker's or the self employed,i was card's in full time when i took these card's out and i have worked as a temp or self employed for over a year since i was made redundant and feel i have done all i can over the last year to stay working and paying these bill's....They want to know the inn's and out's of a duck's arse and im beginng to worry,any advice would be welcome......cheer's mancman16
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
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Cheer's for those link's 42man i will have a good look,is that the case then?If they wont pay out or put so many obsticles in my way i could claim my payments back?Am i o.k. to post my dealing's and any outcome on here?I feel im out of my depth with all this myther and i think the insurance company's know that and are taking the pee.
Do spend some time reading round these forums and you will become enlightened.... here's another thread you might find of interest - http://www.consumeractiongroup.co.uk...-problems.html - just type in MBNA into the search and it comes up with many threads.....
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Hi to you all..I hope some one can advise or guid me through the mine field that is PPI claimimg.I was made redundant in sept 08 and imediatley got a job working for the n.h.s. as a tempery worker and was there till the end of may when the person i was covering for[long term sick leave] returned to his job.I managed to get a job labourering for a builder but i had to join the c.i.s. scheme [tax] and register as self employed which i did.Unfortunately the work tried up and i was finished on the 16 sept 09 and that is where i find myself now.Im claiming on all my credit which im paying ppi insurance on,already i have a funny feeling these snakes are trying to wriggle out of paying out...they dont seem at all sympathetic to my plight and dont seem forthcoming or helpful,two are saying they dont cover temp worker's or the self employed,i was card's in full time when i took these card's out and i have worked as a temp or self employed for over a year since i was made redundant and feel i have done all i can over the last year to stay working and paying these bill's....They want to know the inn's and out's of a duck's arse and im beginng to worry,any advice would be welcome......cheer's mancman16
You should read the stickies at the top of this forum. There you will see what you will have to do to reclaim any PPI you consider mis-sold.
You should take time to read through them all (a mammoth task) but the information is there to enable you to get a successful outcome.
any questions just post them up in your thread but please read and absorb the info in all of the links it will help you on your way to reclaiming mis-sold 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.
Thank's Alanalana ive been looking all over the site trying to find a simaler example to my misery,im a bit battered by it all to honest,loads to take in....im a numpty with out like this...thank's anyway back to the stickies.p.s. my spullins roobish aswil........later's
Hi all just an update on my situation,ive sent all the relevent forms and proof that the insureres have asked for,but one has all ready refered me to a collection firm.Is this normal?has they have not even processed my claim yet and the firm is already threatening me with charges ? Any tought's you have would be most grateful..
Hi all just an update on my situation,ive sent all the relevent forms and proof that the insureres have asked for,but one has all ready refered me to a collection firm.Is this normal?has they have not even processed my claim yet and the firm is already threatening me with charges ? Any tought's you have would be most grateful..
If you have PPI and you are unable to claim or your claims are refused then the PPI was clearly mis-sold. In this case you should claim mis-selling from MBNA and ask for your money to be refunded. I have already posted the links to look at earlier.
If you then get threats of charges write to the Financial Ombudsman Service and submit a complaint for mis-sold PPI. Once you have done this you should point this out to whoever is giving you harrassment and tell them your account is subject to a complaint to the fos.
Your thread title is re MBNA but above in red you state one has already referred you to a collection firm. Are you having trouble with more than one PPI claim ?
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.
Hi all the MBNA card is the the only one as yet that have passed my account over to a collections agency,ive just opened another letter and the t.s.b have also passed my account[ c.card]over to thier collection department.The letter asked me to phone them if i could not make a payment[which i cant]which i have but i could not understand the woman on the phone,i think she wanted me to go through my income and out goings over the phone but to be honest i could'nt understand her at all,i asked her if the call was being recorded and she said yes so i stated for the record that her acent was to strong and that i did'nt understand her,so i asked her to send me her request in the post is that the right thing to do,t.s.b have not yet processes my PPI claim and have passed my account over to thier collections dept,seems a bit daft to me to refer me to thier collection dept when thier insurance should be paying?
Evening all.well today ive just received a letter from st andrews insurance the company that insures my m.b.n.a. Abbey c.card.They say that a policy exclusion applies to my particular circumstances....help....Do i try to claim back my p,p,i.? what do i do now?,the vulchers are hovering any advice on how to hold em off would be most helpful...cheer's.
evening all....ive sent a letter to Abbey/MBNA asking them to susspend all interest and charges to my account pending my complaint to thier insurance provider's.ive also sent a letter to St Andrews the insurance company and told that i dissagree with thier decision and that i would like them to reconsider their decision and if they dont i will be forwarding my complaint to the financial Ombudsman for consideration. Doe's that sound o.k? Any tip's on dealing with these lot would be most welcome.
Hi all,ive received a income-asset expenditure form from MBNA.....do i fill it in?they have not aknowledged the letter i sent asking them to stop the interest and extra charges they are adding.Ive not heard anything from St Andrews either regarding my rejected unemployment claim.Do i start trying to claim back all the preimiums now?The collections agency[R.M.A] are still pestering me on the phone,i tell them that the case is subject to a dispute and that i'de rather deal with m.b.n.a. direct ,am i within my rights to do that?.......Sorry if i seem a bit thick but im really not use to all this..my brain feels like mush...
Just an update,MBNA have asked me to cancel the PPI insurance on my disputed account,if i do will they cease to deal with my complaint as i no longer have the insurance?
Looking at your thread I would suggest the best option is to submit complaints in each case for mis-selling PPI to the Financial Ombudsman Service and send copies of all the correspondence between all parties. Once you do this then you can tell the debt collectors the accounts are in dispute as you a reclaiming PPI from the creditors ie MBNA/Abbey.
At the same time you should send letters to each creditor requesting a full refund of the PPI (But you must have a valid reason to claim mis-selling. As I have already posted earlier in your thread)
The other thing is to keep details of all phone calls from any DCA (keep a log of all calls) and insist all communication is written and that you will refuse to acknowledge any debt until the PPI issue is resolved through the Financial Ombudsman Service.
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.
Just updating my position,MBNA called me today and said that if i paid them £3.500 they would settle my £11.500 acount,seems a bit weired to me anyone one else had this?By the way i cant get my hand's on that much cash if i could i would'nt be in the position i find my self in today.
I have sent all the extra paper work to their insurance company[st andrews]so they can further consider my rejected PPI claim,am i better firing all the paperwork onto the onbudsman and regiestering my complaint with them now or wait till i get a final letter from Abbey and St Andrews??? Thank's in advance for any comments...cheer's
Just updating my position,MBNA called me today and said that if i paid them £3.500 they would settle my £11.500 acount,seems a bit weired to me anyone one else had this?By the way i cant get my hand's on that much cash if i could i would'nt be in the position i find my self in today.
I have sent all the extra paper work to their insurance company[st andrews]so they can further consider my rejected PPI claim,am i better firing all the paperwork onto the onbudsman and regiestering my complaint with them now or wait till i get a final letter from Abbey and St Andrews??? Thank's in advance for any comments...cheer's
Have you complained to the Financial Ombudsman Service yet?
If not you should IMO make it a priority but ultimately your choice.
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.
Hi all,just an update......St Andrews insurance have now accepted my claim and paid m.b.n.a what was due to them......Seem's that all the letter writing has paid off...thank you for the advice,i followed it and ive had the result i was after.............Cheer's
Hi all,just an update......St Andrews insurance have now accepted my claim and paid m.b.n.a what was due to them......Seem's that all the letter writing has paid off...thank you for the advice,i followed it and ive had the result i was after.............Cheer's
Check your statements I bet you owe more now, as the PPI will not cover payments, MBNA still charge PPI charges every month, not stop until claim PPI finished, St Andrews blame MBNA/ vice versa.
Ive got a funny feeling.....MBNA PPI
claimimg.I was made redundant
Reply With Quote
Re: Ive got a funny feeling.....
Originally Posted by mancman16
..later's
.Do i try to claim back my p,p,i.? what do i do now?,the vulchers are hovering any advice on how to hold em off would be most helpful...cheer's.
.Seem's that all the letter writing has paid off...thank you for the advice,i followed it and ive had the result i was after..........
