I was searching for success stories relating to old ppi claims. I came accross this fab forum and read your posts with interest (though lots went over my head completely I admit!)

I am keen to know whether you were offered a better refund in the end? You mention £1000 but wasn't clear if you negotiated more?

I am in similar position of now being in ill health and after my house was repossessed I am up to my eyes in debt and struggling with loan sharks and bringing up young children.

I realised I may have a claim as I found my original paperwork from 1999 when I was mis sold ppi when taking car finance.

I contacted the car sales company who referred to their solicitor, who in turn stated since they don't keep records after 6 years it will be considered time barred under Limitations Act.

The F/ombudsman helpline said that it doesn't matter and to approach black horse who took over Chartered Trust whom the policy was with.

Keen to hear your thoughts on dealing with them? I also had a separate ppi policy on a personal loan which was also with Black Horse Finance. However I recently through away all the old paperwork when trying to declutter after being repo'd and having to downsize massively!

I am encouraged to hear you were refunded. Sounds like a long slog u went through. I wondering if I have strength and time to pursue

These loans were taken out with Lloyds in 1998 and 1999,,

 

was told the PPI HAD to be included or we could not have the loans .

 

My hubby was made redundant from his job half way through ,

 

,we put a claim in for the ppi insurance

 

,,in the meantime

 

,,charges were also placed on our account due to the insurance paying the loan cover late into the account each month ,

 

,,,,from our credit records ,

 

,,I have the account numbers on both loans ,the date they began and were satisified ,

 

,,and also black horse has put an amount of arrears 2 months late ,19 payments 3 months late ,,

,which was not our fault ,as their insurance company the ppi was with ,

was not paying the loan amount in the account each month that they should have been

,,but were making the payments two or three months late ,

,,therefore we incurred quite a lot of charges too .

 

Can I claim a refund on the ppi and maybe the charges from these loans taken out with the ppi ,

,,from all these years ago .?

 

If so ,,please can someone give me advice on how to go about the next step

and an idea of what to write in the letter to lloyds ,,

 

,,our life was made hell back then

 

,through all the debt and charges added ,,,