Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder Haven72 Novitiate

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    Default Scottish widows ppi

    Ive just got my annual plan summary for my Life Insurance and noticed both me and my partner are paying PPI tho i dont remember asking for it or being offered it, as it only pays out after 26weeks hardly seems worth having. Can i reclaim this back and if so how do i go about it?

    Many thanks


  2. #2
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    Default Re: Scottish widows ppi

    Hi Haven

    If you've been mis-soldicon PPI then you can claim it back, here a guide:- http://www.moneysavingexpert.com/rec...loan-insurance

    Welcome to Consumer Action Group

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  3. #3
    Basic Account Holder Haven72 Novitiate

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    Default Re: Scottish widows ppi

    thanks


  4. #4
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    Default Re: Scottish widows ppi

    Theres lots of info in our stickies in this forum.

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  5. #5
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    a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
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    Default Re: Scottish widows ppi

    skittish widows will wriggle like hell

    and you'll prob get the run around that it was the Lloydsicon or C&G rep that did it and they are not responsible

    they will quote that you agreed to it in your 'recommendatios' statement.

    go get 'em

    the mortgageicon reps i'm sure get a hidden commission for selling this

    when i did mine earlier on it the year

    i was bombarded with phonecalls from my mortgageicon asdvisor from her private phone
    trying to convince me I DID ask for it.

    i did NOT and it got sneaked through.

    look at the 1st page wording on your per sum and our recs & app dets

    then i bet its not mentioned there

    but i bet you'll find it on pages 2/3 were it says:
    its WAS discussed with you & is included

    doesn't say ANYWHERE you WANTED IT

    just you discussed it.

    go get em

    dx



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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
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  6. #6
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    Default Re: Scottish widows ppi

    i don't like that link

    its very circumspect leaving lots of well maybe's flying around.


    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges 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.


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  7. #7
    Basic Account Holder Haven72 Novitiate

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    Default Re: Scottish widows ppi

    I really dont remember asking for it or agreeing to it, PPIicon is something i never agree too as i dont beleive in it, it doesnt kick in for 26weeks so hardly seems worth waiting 6months for them to pay just over 20 a month. This is the problem, the women i spoke to about remortgageing works for Lloydsicon but my mortgageicon is with c and g and the insurance is with widows so as far as im concerned they are who is taking the money each month.


  8. #8
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    Default Re: Scottish widows ppi

    How long have you had this policy ?
    Scottish Widows were ordered to pay millions last year for irregularities,and other issues to customers spanning quite some years.
    How was the policy taken out originally ?
    The first thing you need to do is calculate how much you have already paid.
    Then make a preliminary request in writing for it to be refunded.
    What is it exactly that you are unsure of at this point ?

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
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  9. #9
    Basic Account Holder Haven72 Novitiate

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    Default Re: Scottish widows ppi

    The policy is about 2 yrs old now.
    The policy was taken out when i remortgaged in 2009 and was offered Life Insuranceicon
    It works out at just over a 1 each month for both me and my partners policy
    Just dont know where to start to claim it back, spent ages scanning thru posts, is there a templateicon letter to send do i need to find the terms and conditions?


  10. #10
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    Default Re: Scottish widows ppi

    Ok understand.
    Right,first of all you need to establish why you think it was missoldicon or is not of any benefit.
    PPI Insurance differs greatly from one policy to another,that is to say that there is no templateicon letter as such for a one fits all use,the letter needs to be specific to what you believe was unfair/that the PPI was no use or benefit to you.
    Yes it is a good idea to have the terms and conditions,although most are easily found on the internet.
    Its also a very good idea to look around and see which terms and criteria that others have used to claim back PPI in the case of Scottish Widows-I am sure there is no shortage-I will see if I can point you to any CAGicon cases.
    So the process is as follows;

    1.Identify a case for refund.
    2.Make a preliminary request in writing.

    The focus on PPI and investigations/guidance from the regulators I think began to really start around 2008.
    Many Financial Institutions dragged their feet,which led to the regulators ordering them to deal with claimants.
    In many cases refunds were made relatively quickly and in some cases they were ordered to make refunds.
    But I think as things went on-some policy wording was changed as they became aware of the claims implications.It was only in 2010 however,that the Industry finally agreed to make positive changes,faced with the threats friom the regulators and new guidance.
    Some of the main points which have led to refunds include;

    1.Applicant was not given alternative options which may have cost less or offered better packages.

    2.Applicant was led to believe that without taking the PPI they would not get the loan/insurance

    3.The benefits of the policy were unsuitable (Example-the policyholder was self employed)

    I will see if can find some cases and post here.

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
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  11. #11
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    Default Re: Scottish widows ppi

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  12. #12
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    Default Re: Scottish widows ppi

    Here is an example of typical reasons to seek a refund.
    This is a case which was referred to the fosicon and upheld in the applicants favour.

    http://www.financial-ombudsman.org.u...decision-B.pdf

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
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  13. #13
    Basic Account Holder Haven72 Novitiate

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    Default Re: Scottish widows ppi

    Thank you so much martin i will have a good read thru them laters and see if anything applies, thank you for taking your time to find this information for me



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