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Hi hope someone can help,whilst doing a long overdue cleanout I came across paperwork from 2002 concerning loans with black horse and welcome both with PPI included. Will I still be able to reclaim this back or is it too late ,if I remember correctly my husband injured his back and was off work for a few months which then led to a few more months off with deppresion and none of the ppi's would pay out . Iwould be gratefull for any advise.
Hi hope someone can help,whilst doing a long overdue cleanout I came across paperwork from 2002 concerning loans with black horse and welcome both with PPI included. Will I still be able to reclaim this back or is it too late ,if I remember correctly my husband injured his back and was off work for a few months which then led to a few more months off with deppresion and none of the ppi's would pay out . Iwould be gratefull for any advise.
You should claim claim claim
Please read the stickies at the top of this forum there is a lot to absorb and multiple links to read through. Once you are happy you have a valid claim for mis-selling please post back on your thread for more advice.
You will however have a tough time reclaiming from black horse as they allegedly make life very difficult for consumers trying to reclaim mis-sold PPI. The good new is when complaints are submitted to the fos about black horse the FOS are upholding complaints to the level of 98% so you IMO would have a good chance of getting your money back if you have a sound case within all of the mis-selling rules.
Prepare you case gather the data and then claim your premiums back and the 8% statutory interest.
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.
Can anyone help me please? I am new to the site and I am having problems with two companies at the moment the first is Welcome Finance. I have been chasing them for the horrendous PPI charges and sent them a letter back in June 09 for around £6K and they are not answering me. Has anyone had any success with them? And, the second is Carphone Warehouse ! But I've been told to log under mobile phone issues!
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Hi I think I have won and only one letter sent , my PPI from first loan in 2002 was rejected loan 2 from2005 I have been offered 457.30 with135.59 stat interest, loan 3 from2006 [this was a top up loan] Ihave been offered 1312.20 with167.19 stat interest
Not too sure if these figures are right or if they are trying to fob me of though
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Hi I think I have won and only one letter sent , my PPI from first loan in 2002 was rejected loan 2 from2005 I have been offered 457.30 with135.59 stat interest, loan 3 from2006 [this was a top up loan] Ihave been offered 1312.20 with167.19 stat interest
Not too sure if these figures are right or if they are trying to fob me of though
Any advice THANKS
You would need to provide more detailed Breakdown on your monthly PPI premium payments, how many payments, dates the premiums were paid etc it is not possible to give you an accurate assessment on the information you have provided. However if you know what you paid ie xx pounds by xx months with the interest included you should be able to use the figures and using this calculator work out the statutory 8% interest.
Just type in the principle sum ie the monthly amount you were paying for PPI.
Then type in the interest which should be the 8%
Then type in the date the payment was made ie
1 Jan 2008
then type in the date you expect settlement or use the date you are sending your response.
then do the same for subsequent payments
1 Feb 2008 to date
1 Mar 2008 to date etc
hope this helps
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 accepted their offer and cleared of my payment arrears with it
many thanks for all the advice
Well done another success. Please post up your success in the PPI successes at the top of the forum.
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.
black horse and welcome
included. Will I still be able to reclaim this back or is it too late ,if I remember correctly my husband injured his back and was off work for a few months which then led to a few more months off with deppresion and none of the ppi's would pay out . Iwould be gratefull for any advise.
Reply With Quote
Originally Posted by linda m
! But I've been told to log under 
loan 2 from2005 I have been offered 457.30 with135.59 stat 