Hi

Please, can you help me?

I got into terrible debt many years ago.

Abbey tried to repossess my house after a court hearing, but I sold it in time for not much profit.

I had loans and credit cards outstanding and I got a CCJ for one of my credit cards who charged me a lot of PPI.

It is seven years down the line and my Experian credit score shows clear.

What I want to know is, can I reclaim PPI on all my mortgages and loans and credit cards from over the years?

I know my CCJ is still enforceable, but this card was the main offender.

Thanks

Tell us about the credit card and the PPI.

If the PPI was mis-sold and the payments amounted to more than the judgement some on the CC J, then it seems to me that not only could you claim the payments and also you can have the CC J set aside. We need to know a lot more detail.

And, yes, you can claim PPI on everything as long as you have a basis for saying that it is mis-sold. It's not too difficult nowadays – especially since the ruling in Plevin which is basically that if you were told that there was commission being paid to the person who sold you the policy then it was probably mis-sold

Hi

The credit card was a mothercare card owned by GE Money.

They were charging me over £25.00 a month and charging me interest at over £50 a month as well.

Did not ask for PPI at £1 per £100 borrowed.

I had taken out a payment shield insurance for employment cover for a mortgage that was also missold to me, by mortgage salesman saying I would have to take it out to get the mortgage.

I did got made redundant at the time of these charges and I got sweet nothing from anyone.

I had to sell my house, because of threatened repossession from the courts and I am now living with my parents.

That's when my depression started and I stuck my head in the sand.

It was very hard to get a job in the recession at the time.

Went on unemployment benefit, but was sanctioned.

Couldn't pay anything.

Good job my parents are still alive.

yes ofcourse you can reclaim all those

if you not got all the paperwork and the statements it might pay you to send each lender an sar

but i'd hold on that for a month as it will be free soon.

I'm a little bit scared, because I owe so much.

I had a LLoyds TSB account and credit cards that I went overdrawn on and still owe a lot of money

I had a mortgage with Lloyds, Halifax, Birmingham Midshires and Abbey National, which have all been paid off.

I think all of these mortgage companies are under the Lloyds bank now.

I don't know if the Lloyds account and credit cards are statute barred now, but credit score is clear.

well no harm in getting the info

if you still owe the original creditor on the account that you reclaim PPI from, regardless to it being SB'd or not, they might well set off against the existing debt.

I'm interested know about the PPI which failed to pay for the unemployment. Can you tell us more about that please? There could be some exceptional circumstances where if the PPI has been unfairly withheld, it could be more interesting to try and enforce the policy rather than to claim the premiums.

I didn't know I was paying PPI on all my accounts.

I am just looking into it now, because of the deadline.

When I was made redundant

I did make a claim to Payment Shield, but they only corresponded with help to find employment.

Sent me forms and if I did not show evidence to provide I was looking for another job they said it would be nil and void.

I did find a temporary job and told them, but like I say it was temporary.

PPI on my GE money credit card I didn't know it was for unemployment and I did not ask for it.

There was no letter to say you have it and could make a claim, if you are made redundant.

You would think they would do that, considering I was paying the account cover as they call it, they would send me the necessary forms to make a claim.

I would suggest that you carry on the business of getting the information and claiming your PPI premiums – as suggested above by team member DX, but at the same time you might like to spend a bit of time getting information about the PPI policies which you were paying in order to discover exactly what they were meant to be covering. If they didn't cover your situation then fair enough – claim the premiums plus interest. If they did cover your situation then it would be worth investigating whether it becomes financially more interesting to try and claim the cover or to reclaim the premiums.

If you decide to investigate the cover to see whether it would have applied to you then start that in a new thread.

99% of PPI policies do cover redundancy as your lose of job is not by your own means.

i'd do nowt till you get every piece of info by SAR's as you can

if they should have paid out then you'll be quids in more than reclaiming the PPI premiums

oh and that you must be looking for a job too...what a load of tripe

this could be fun.

Thank you

I will be SARS all my accounts, when it becomes free in May.

I am writing a list of all my accounts details and addresses now so that I am ready.

I have quite a lot of paperwork, statements etc.

I have statements from 2003 to 2007, but some missing.

It was just too much to handle at the time, because I was losing my job and heavily in debt and with children to care for.

I think that the banks let me have too much credit for a single mum on a small wage, child support and child tax credits.

The total debt on bank account and credit cards and loans was £35,000 in total.

I have enough paper in my possession to have a pretty good bonfire night....lol

have you found the Mortgage agreement and PPI T&C's?

I haven't got the mortgage terms and conditions only direct debits on a statement, but I do have the Payment Shield Terms and Conditions and certificate of cover, and direct debits on statements too.

I do remember still paying it when I got made redundant.

I don't know how they go about paying you.

Whether it's a lump sum, or they just pay the mortgage until you get another job.

But I definitely was made redundant during payment to them.

I did take out another one with AVIA I think, didn't get nothing from them either.

I'll have to sort out all my paperwork tomorrow.

Thanks

scan it all up to ONE mulltipage PDF please read UPLOAD

dx

What has happened is that I thought that unemployment insurance meant that when you got made redundant you made a claim and when you found another job you tell them and then the payment of the mortgage would stop.

What I did is I made a claim for being made redundant.

I got a letter saying they had received my claim, which is receiving our attention to your claim.

Then I found a temporary job and told them on the telephone that I didn't need to make a claim, because I had found a temporary job.

I didn't realise that they would still pay the unemployment insurance.

I have been a silly billy!

I just thought it was like claiming benefits.

The money was there if you really needed it.

Believe you me I needed it anyway, but I didn't want to be fraudulent as I thought.