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 redfox Novitiate redfox's Avatar

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    Default PPI Refunds - How does this work?

    I'm hoping someone can tell me how to go about this and what is the criteria for being able to claim back this money? My friend bought a car on finance and had to take out PPIicon for 4500!!! They wouldn't let him have the finance without the PPI.

    I would appreciate any information available.

    Thank you

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  2. #2
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    Default Re: PPI Refunds - How does this work?

    The first step is to submit a SARicon to obtain copies of all the relevent documents. The standard fee for this is 10.
    If you need help with SARicon give me a shout..

    Ian

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



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  3. #3
    Basic Account Holder Will Scarlet Novitiate

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    Default Re: PPI Refunds - How does this work?

    Hi, I'm in the same boat. Having got "the bug" through writing a rude letter to Barclaycard and getting all of my wife's premiums refunded (only 53.64 but a victory all the same) I would like to do the same for my mother-in-law. Her position is slightly different and is as follows:
    She has had, at points, quite large outstanding balances on her MBNAicon card. When she got the card in 2001/02 she took the PPIicon because she was worried, due to the size of the balances, that if there was a medical / health problem and she couldn't work, she didn't have enough spare cash to cover the repayments and would default.
    When she had a Cancer scare in 2005 she called Natwesticon (another creditor) they stumped up immediately. MBNA on the other hand said, "Terribly sorry, you're no longer covered because we've changed the rules" She had paid premiums for the whole time she had this MBNA card and is insistant that she was never informed of this change to the policy.
    My problem is that she has destroyed all of her old paperwork including anything that she may have signed, boxes she may have ticked etc.
    How much information can I ask for with an SARicon?
    Can I get more than statements.
    Can I still claim for her because this card and account was activated pre-regulation?
    Any tips anyone......?


  4. #4
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    Default Re: PPI Refunds - How does this work?

    When you submit the SARicon they have to supply all Data that they have stored regarding you & your accounts.
    If you have any account numbers etc state them on the SARicon too.
    I would also ask for any transcripts of telephone conversations to be supplied on audio cassette. I did this with Firstplus though the quality of the recording was pretty poor I did manage to clean it up in our recording studio.

    Good Luck

    If you need any help give me a shout and If I cant help I know a man who probably will..lol

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



    If my post has helped you, please click the scales! :grin:

    Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
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  5. #5
    Basic Account Holder Will Scarlet Novitiate

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    Default Re: PPI Refunds - How does this work?

    Is there a standard letter anywhere i can tweak?


  6. #6
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    Default Re: PPI Refunds - How does this work?

    Quote Originally Posted by timharrow View Post
    Is there a standard letter anywhere i can tweak?
    http://www.consumeractiongroup.co.uk...yds-2-ppi.html

    I really must get a mod to shift this thread to the PPIicon section..lol

    You are welcome to use any of the letters that I used, If you need and help just shout

    Ian

    Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
    Halifax settled in Full.. 22/09/06
    TSB First Claim SETTLED IN FULL 19/10/06
    Second Claim to Lloyds TSB - Settled in Full
    Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
    PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.



    If my post has helped you, please click the scales! :grin:

    Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
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  7. #7
    Basic Account Holder Will Scarlet Novitiate

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    Default Re: PPI Refunds - How does this work?

    Thanks Ian. A letter will start winging its way to them tonight.....


  8. #8
    Basic Account Holder clare-robin Novitiate

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    Default Re: PPI Refunds - How does this work?

    Hi Sorry if this is in the wrong area, but am new!!
    Can anyone tell me how much the introducer feeon a loan should be?

    Thanks alot



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