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Not sure if this is the right forum to post in but

 

any help appreciated

 

i have received a letter from a company called MetLife saying important information regarding your future 165 policy.

 

It then goes on to say about insurance cover connected to the loan originally made available to me by Associates First Capital

and the insurance cover was originally provided by Cumberland insurance co ltd which is now MetLife.

 

The letter goes on to say all about its transferring business to MetLife blah blah, and if I disagree with this to object the transfer.

 

I do not have a clue what this is all about,

 

the only thing I can think of is a loan I took out in 1988 with Associates first cap, which was paid off by me,

I've never had a letter about this before

,it's really confusing

 

any info welcome

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Do you have any paperwork for the original loan - even 20+ years later?

 

The first thing that occurred to me is that there may have been a PPI element to the loan?

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car loan PPI probably?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It was finance for a car, why would this come out of the blue though,

 

I've never applied for anything

 

I really had to rack my brains today

 

could this MetLife transfer have brought it too light.

 

I remember going to the associates office in Warrington and the finance was done there and then

 

,as I was only 19 my dad stood as guarantor an he's dead now,

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they sold [Cumberland] ppi on car finance at the time

 

cant see why the policy is still active though.

 

I assume the loan was settled years ago.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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send 'em a PPI reclaim letter

saying you know nothing about it and never signed anything.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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not in the least

 

yes sent metlife a letter

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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There is no draft letter, you would simply write to them advising that you believe they mis sold the Payment Protection and that you would like the money back.

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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I think both of you need to send an SAR to metlife

 

inc a copy of your CTAX bill in your name

 

and details of your address at the time [if diff] from today.

 

something is not right here

 

a PPI policy EXPIRES with the settlement of a loan

 

me thinks you both boht spoofed on life insurance

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you dx100uk, I guess I will have to prepare to be in for the long haul if this is a valid claim?

Not sure as it may be too long ago and will it be out of date to claim?

I have not had any loans since that unfortunate (silly and stupid) time, I have only had a repayment mortgage with no add-on's so have no experience of the claim process involved

thanks

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there is no time limit on ppi claims

 

if you had ppi as well as other insurances can lump them as one

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi guys, thanks for the reply , I found a template for ppi claim today and printed it off to send to metlife but DX what is an. SAR ? I really want to try myself to get to the bottom of this, I refuse to involve those ppi claims company's but its not knowing where to start , it's all baffling I too. Top gunner. Was young and stupid wanting a flashy car at 18 so me n mates could impress all the boy racers . The rate to payback was extortionate but I paid it off . I have no experience of claiming anything back so please any info appreciated

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Hi guys, thanks for the reply , I found a template for ppi claim today and printed it off to send to metlife but DX what is an. SAR ? I really want to try myself to get to the bottom of this, I refuse to involve those ppi claims company's but its not knowing where to start , it's all baffling I too. Top gunner. Was young and stupid wanting a flashy car at 18 so me n mates could impress all the boy racers . The rate to payback was extortionate but I paid it off . I have no experience of claiming anything back so please any info appreciated

 

Hello there.

 

A SAR is a subject access request. If you click on SAR in this post or your last one, there is an explanation. :)

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thank you Honeybee an all.

I have found the registered address to send the SAR to as follows and registered with the Information Commissioners Office

METLIFE INSURANCE LIMITED

8TH FLOOR

1 MINSTER COURT

MINCING LANE

LONDON

EC3R 7YL

AMCK12 is this the address you will send the PPI template letter to ?

Just wondered if I should also send the PPI template to this address now or wait for info to come back on the SAR?

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its a bit pointless to send the ppi letter guys yet.

 

get the data first then lets see what they have on you first!

 

might not be ppi!

 

just send the sar

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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