hi,

just looking for a bit of advice, ive been on incapacity benefits for a few years after an accident suffer from chronic pain, basically house bound, i wont bore anybody with details, putting out the bin is a major expedition.

anyway im in the back to work program ive got an appointment next month, it seems to me anyway absurd im in the back to work program not sure but from what i can see they have assesd me fit to work not sure really is this the case ?

is there anything i can be doing appeals form filling in the mean time?

i see countless horror stories of people having their benefits cut would be disastrous for me as i rely on my internet connection to order food.

any advice greatly appreciated

i feell much better now ive have had a bit of sympathy thank you

to whom it may concern

thanks for selling my email address to those naughy ppi claims firms yesterday was a record 15 begging spam letters from ppi firms.

:mad2: :mad2: :mad2: :mad2: :mad2: :mad2: :mad2:

whoever did this horrible deed shame on you

Grrrrrrrrrrrrrr

hi

yer great result, all i have is the original loan amounts from the sar, their not great amounts really, so i dont think i can do that think i will just accept their offer

thank you

wow,

received a letter from Lloyds today, kind of knew what it was was expecting a flat refusal but hay presto 6 loans worth of ppi, 5.4k refund (even though I was only claiming for 5)

2 of the load they didn't have and details of amounts, they have awarded me 2 lots of 1200 Average compensation payout,

now do I assume that these figures are correct? the figures show 8% up to todays date

thank you

sun bank now owned by the portman were the ones who miss sold my mortgage do i sar portman? this miss selling goes back to 2004ish, i have the policy number on the mortgage, what happens if i dont get any info on the sar regarding holding a mortgage with them will it be a lost cause?

thanks

im absolutely fuming, ive been miss sold again, first 5 bank loans, now my mortgage

thank you consumer forums

thank you.

hi,

i once had a mortgage with ppi i want to be sure i wasnt miss sold ppi, is there a list somewhere of reasons / examples where one could be miss sold ppi ?

thank you

hi woodyt

just wondering how you were miss sold ppi on your mortgage? i once had a mortgage with ppi maby i was missold ppi?:wink:(wink wink smiles)

ok i will sar them again and see what happens thank you

i cant really remember, i will try and find the letter from what i remember said said something like this.....

dear sir

we didnt sell ppi here is your cheque now bugger off and dont even think about it.

yours sunlife

edit 5 mins later,

just found the letter, they are asking for id to proof of identity, and on the bottom line a note saying....

PLEASE NOTE, if your request is for the purpose of making a complaint regarding ppi sun life have never sold ppi policies

i find that really strange because the advisor was from sunlife ?

hi

im not really sure it wasnt a one off lump sum, dont think it was to other parties i had the same financial advisor from sun life arrange the loans every time had everything with them pensions, life cover, and ppi im sure it was with them.

hi,

after being missold ppi on my 5 last loans with loyds, currently going through at the moment fingers crossed,

i was wondering if i could claim my miss sold mortgage protection that i have on my previous mortgages, with sun lift of canaida.

i did sar them the same time as i did lloyds but they fobbed me off with the sar and sent back my cheque and even said in the letter that they never sold any ppi, very strange i was with them for many years and had protection on my mortgage.

thank you

hi

just wondering if anybody could cast their beady eye over my complaint letter always good to get a second opion, im just awaiting my sar report from lloyds and a mortgage company sunlife of canada, so there may be other surprises awaiting me, im just putting a letter together stating my reasons i think i was mis sold ppi, just wondering if my reasons are strong enough to qualify to have been mis sold ppi? just really looking for reassurance to start claiming

thank you

---------------------------------------------------------------------------------------------------------------

Dear sir/madam

I believe i was miss sold ppi from youselves for the following reasons,

I was pressured into buying the PPI, because i was told on every occasion that when i applied for the loan that i stood a better chance of getting the loan if i took payment protection out for the loans.

The Terms & Conditions of the small print were never fully explained to me.

I was not told i could buy PPI elsewhere to cover the loan.

At no time was i asked if i had had alternative PPI or sick pay.

But the most striking reason i feel i have been miss sold was at all time i had a very generous sick pay package from a very stable employer i was employed at the time.

Yours, me

wow, thanks for the reply/info lots to read,

im just wondering if it possible i may have been miss sold ppi years ago on mortgages ive had in the past like 10 years ago is there a max time limit for a claim?

thank you.

hi

i had a loan with marks and Spencer a few years back, i dont know any details of the loan is there any way of getting these details?

is the correct way to start reclaiming ppi to send a sar letter first, then a letter of complaint of miss selling of ppi?

thank you

Unfortunatley the debts are not covered by the cca so there is no need to send it.

hi ida many thanks for your reply, dont understant this, also where are your scales??

hi jobmid

the agencys that are collecting are

morecroft

and nco in preston

what do i do offer 1 pound per month, i havnt got a clue what to do

Hi Jondanbob

Have I read this right? 5 debt collectors are chasing you for £400?

Do you recognise the debts?

Please don't worry, you've had really good advice. I saw something on the news the other day... will come back. I have a feeling this may be a '[problem]'.

As everyone's saying, don't talk to them on the phone, ever!

hi many thanks for your replys, yes these are my debts its not a [problem] why is everybody saying dont talk to them over the phone??

1 vodafone 100, plus 15 court 50 solicitors costs,

2 ebay 47

3 dvla 80

many thanks for your time and help

hi

need help, i am currently being hounded by about 5 collectors roughly 400 total.

i do not have any income im currently on incapacity benifit roughly 75 per week just applied dor dissabled alounce, this is long term i do not see myself going back to work.

i have always, always paid any debts, can i be expected to pay these debts, i have written explaining i have no income but they are

bombarding me.

1, they have added fees, including a court fee eaven though havnt been to court can they do this??

2 will they take it to court and send the heavys round to collect the tv??

3 can i offer to pay 1 pound per month??

many thanks in advance for your help

i suffer from severe sciatic pain, i cannot move for roughly 5/6 days a week flat on my back, family members cook for me.

i currenly claim incapacity benifit

my mortgage interest is being paid, how long can this be paid for?

i have filled a claim for dissability is there anything else i can claim for??

many thanks in advance