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Found 1,792 results

  1. I took out a mortgage with the Money Store in 1999 and it was transferred by them to Platform Funding Limited later in 1999. Although I wasnt self employed then the Mortgage ppi was just added to the loan £1,825.80, I was never asked if I wanted it and it was an upfront payment. As a few months later I paid the mortgage off and subsequently the mortgage ppi. Is it too late to request the ppi back. I have the mortgage account number and I understand Platform is now owned by the coop? Who would you contact?
  2. My partner finally decided to claim her Capital One credit card PPI. The card was issued in 2003 which was more or less when PPI was introduced I believe with a avg credit amount of £500. About 2 weeks ago she made a the claim using the Capital one/resolver online application. The original card application was completed on the phone and her complained was it was not fully explained to her what PPI was and why she should be accepting. Within a week she received a reply stating she was not eligible fr a PPI due to the following reason: aged 16-64 Employed and paying class 1 NAT INS Living in UK Based on the above we are confident the PPI was not mis-sold !!! They confirm it was sold on a telephone application which they do not have the recording ! How is this confirming that it was not mis-sold ? They have however agreed to just over £1200 as a result of redress scheme which was introduced in 2014 re a high commission rate which is unfair to the consumer under the CCA 1974. Not sure how to work out the PPI as not much statements are available. Given the above info, what would be the best course of action? Thanks in advance
  3. I took out a Virgin Money/MBNA credit card in 2005 to take advantage of their 0% balance transfer offer. To cut a long story short, Virgin steadily upped the credit limit over the following three years, in late 2008 I wrote a credit card cheque for several thousand pounds to pay for a home extension. The global economy crashed the following week and I found myself without employment, my wife petitioned for divorce, I became homeless etc etc with, amongst other things, a credit card balance of over £13k After years of being grindingly poor I am now starting to regain and exert some control over my affairs. I recently used a CMC to establish whether or not I had PPI claims on any of my old accounts and MBNA came back "positive". I will NOT be using the CMC to reclaim. My MBNA account is one of only a couple for which I still have paperwork, including all but two statements. Unfortunately, the statements make no reference to PPI whatsoever, only interest and late payment charges. The original tear-off signature slip is obviously missing - the remaining part of the page shows two "SIGN HERE" arrows pointing to the missing slip, one for the account, and one for PPI. I cannot imagine I would have voluntarily requested PPI, as I never knowingly have. Also, for the last 20 years I have worked as a company director providing architectural services on temporary assignments - i.e. I am not eligible for PPI protection. The only reference I can find anywhere to PPI is an insurance booklet issued with the original pack, which states that PPI is charged at £0.72 per £100 of the monthly statement balance. The statement figures bear no apparent relationship to these figures however. In summary: 1)MBNA appear to have acknowledged that I have a PPI product. 2)I have no idea how much PPI was charged or when, as the statements do not show it. Do I: 1)Make a complaint to MBNA, take the cheque and then query their (possibly "interpretative") calculations? 2)Start from scratch with a CCA and SAR (bearing in mind the account was opened 11 years ago...)? Confused! I'm also going after them for charges, 6 year limitation notwithstanding - nothing ventured etc... Thanks in advance!
  4. I am just getting round to starting my PPI claims - somewhat late I know. Please can someone let me know what the first step would be after remembering which companies I had the loan or cc with. Would it be a SAR request?
  5. Hi I tried to claim PPI from a Tesco credit card in 2012 I was rejected and didn’t take it to a ombudsman.. Defaulted 2009 and was paying £50 a month for a no of years. Then I dropped it to £1 per month in 2016. As I came out of work. Owe around £4000. But never upped the £1 pcm. Had a CCA off them in 2016 but they’ve never chased for extra money only have a odd random text saying call as my arrangement has expired. Fast foward to Sept 2017 I re applied for PPI under Plevin and have been offered some money however they want to take it off the debt. Are they allowed to do this? The acceptance forms says By signing this form I confirm that this offer is rightfully mine. I am aware this payment will be credited against any outstanding arrears on my credit card account within 28 days of receipt off this acceptance form. By accepting this refund. I confirm that any unfair relationship created between me and Tesco bank as a result of undisclosed high commission or otherwise has been rectified and that this refund is made in full and final settlement of any claim and complaint made by me against Tesco bank arising out of or in a connection with the sale of PPI
  6. Hi, this is my first post, please be gentle:smile: I submitted a request to HSBC in relation to PPI that I am certain I had with HFC Bank for two items of computer equipment that were purchased in 1995 and 1997, as I believe PPI was automatically added as a pre-tick? The total amount of both repayments were in excess of £5k HSBC came back negative and asked in their reply whether I had copies of the agreements, number etc. which I don't! I then did a SAR request to Dixons (PC World) which verified that I had both of these agreements with HFC Bank, although they could not give me any agreement numbers? I do have copies of bank statements which cover both of these transactions, which show HFC Bank as the recipient of the direct debit. My questions are as follows; Should I do a SAR request to HFC Bank to see what other paperwork they have, or should it be sent to HSBC, if so to where, and what other paperwork would they want from me? copy of driving licence, utility Bill etc. At the back of my mind I think that I also had some dealings with Beneficial Finance and Hamilton, all now HSBC. Can I do one SAR for all three given that they are all in the same group? Any advice you can give me is appreciated.
  7. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  8. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they would offset against any debt anyway. Any advice on what to do I will upload letter off asset link. PDF Photos 16-07-2016.pdf
  9. Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest
  10. https://www.consumeractiongroup.co.uk/topic/408616-trying-to-reclaim-ppi-but-paragon-says-no/?tab=comments#comment-4978454 same boat mate, paragon say no and not regulated Paragon informed me that the PPI was done by warranty Holdings Ltd, guess what, now dissolved
  11. Hi everyone, I joined the site yesterday and I've been having a good look at PPI threads along with the interest calculator spreadsheets. I am in the process of claiming PPI from 4 NatWest loans that my deceased parents took out in the 80s. NatWest have made offers on all 4 claims but I'm not sure they've worked the interest out correctly - I have queried this with them but they've just sent me a letter repeating the same information as their offers. I've used the PPI spreadsheet on here but NatWest are saying that interest is paid at 15% up to 31st March 1993 then 8% from 1st April 1993 and the spreadsheet I tried only showed 8%. Is there a way I can change it to work out interest at 15%? The loans were taken out in 1983, 1986, 1987 and 1988 so will all have at least 5 years interest at 15% on them. If anyone can offer me any help with this I will be really grateful. Thank you
  12. I had a personal loan from 1999 which had PPI on it. I didn't request PPI but the box on the CCA had a pre-printed tick in it. On challenging the PPI, Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them. The FOS haven't been much help. I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation. Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  13. In August 2018 I had my complaint against Barclay card upheld for my PPI Insurance held on my Barclay card from 1992 until 2004, the card continued without PPI from 2004 to 2011. I was unhappy with the redress offered as I knew that this card would have had an average balance of around £2400 a month during the period up to 2004. Barclay card offered me compensation which was inadequate. They stated as they had no records of my account previous to May 2004 (my PPI was stopped in April 2004, I found that to be a little too convenient that all my statements prior to May 2004 had gone missing), that they had created an offer based on historical averages for a typical customer. I wrote to Barclay Card asking them to reconstruct the balance on the card from Nov 1992 to Apr 2004 based on my spending patterns on the same card from May 2004 to Nov 2011. They refused to do so. As a consequence of this refusal I contacted the FOS. At the same time I raised a GDPR request which I received in due course with statements from May 2004. I passed these statements to the FOS as part of their investigation. I have now received the FOS adjudication. The adjudication states that Barclay Card have acted unfairly in this instance and need to reconstruct my credit account from 1992 to 2004 using an average balance of my card between Apr 2004 and Feb 2007 when my credit limit increased. They are to use the average balance and then work from that point. My question is what methodology will they use as I can find nothing indicating how a calculation will be done either on the FCA or FOS websites. I do have a copy of the FCA Handbook 10/12 which has working examples of how to calculate PPI in most instances, but I am afraid not in this situation. I would like to be able to work out what is likely to be a fair and reasonable offer from Barclay Card if and when it arrives.
  14. Hi I have finally dug out all 3 of my loan agreements for WFS. I did issue a PPI refund request back in 2007 but they point blank refused and due to health reasons i hadn't the energy to pursue them. I have recently had success with black horse and wondered how i proceed with Welcome, i have already contacted the FSCS regarding the 2 most recent loans but looking at the paperwork they were both re-finances of the first and that one was pre 2005. Can anyone advise? the net searches have suggested i call them but im not sure about that - they were pretty awful to deal with back then Huge thanks Maudy x
  15. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why each were misold. Before doing this I called Blackhorse again and requested a copy each credit agreement agreement they hold on file which they said ok but still fill out the form and send it back which I did. 2 weeks after sending of the form, instead of receiving credit agreements, I was sent each loans running Statements from the opening payments right up until the last. 2 do not show an indication of PPI. But the largest and earliest loan clearly stated PPI £1637.11 included in a total amount of £15,387.78 to repay back. This is on the first page of the statement. Ive keep asking them to comfirm and they keep saying that there is a strong indication and a final response would be provided The Final response date I was given was 18th February. But I received a letter today stating they need at least another 8 weeks to fully respond to the complaint. It’s quite frustrating that they are not providing a final response. I understand there busy and that’s why they have such sufficient time provided to them under their regulations. The reason they have provided for this responses is that they are busy and it hasn’t gone to the relevant departments yet. It funny because I’ve spoken to 3 different people so far during the weeks that have gone by and they have each stated completely contradictory stages as to where the complaint currently is positioned. 2 weeks ago someone told me it’s half way, a week later someone said it’s not even been seen yet by the case handlers and now they have decided to extend for another 8 weeks. I don’t know what to believe. I’ve mentioned to them that I’m going through hardship at the moment as I’m now disabled and require funds for a needed private operation and the money would come in very handy at the right time. Is this common practice or is there something more to it? Would it be wise to take the complaint to the ombudsman? What’s the best thing to do going forward? Given that there is records of each loan, whats the hold up? Could they be passing liability onto someone else, and would have they not of done that already to address the matter ASAP? Any advice or experience anyone has with dealing with Blackhorse PPI dpt is very welcome and I look forward to receiving everyone’s responses on how to best get a reasonable response in a reasonable time. Thank you
  16. Hi, HSBC responded to SAR request as nothing on the system for 2003 - 2004. Then after I sent them a policy number for CRP PPI on closed credit card. We have an offer as Full and Final settlement of Miss Sold policy! Premiums total £150 Redress Total £460 inc premium. Does this look about right? Many Thanks
  17. HSBC now owns HFC Bank in Brighton. I wrote to HSBC Coventry PPI claims office giving my name, DOB and precise former address, last week, but they replied to say: no records of my account can be found after 32 years, and that they are not legally obliged to retain documents beyond the statutory period if an account was closed. I also opened a Loan Account in Bournemouth and fully repaid around 1983. -- same answer from HSBC: no records. I myself have retained no records whatsoever, but I am absolutely certain I had those accounts, and 70% sure there was PPI as was standard custom in those days. Is this a dead end? Should I invest in £10 requesting a SAR, if so SAR sent to HSBC Coventry or to HFC Bank in Brighton? Later to complain to FOS if we suspect HSBC does have records? Thanks to all for sharing experience.
  18. Hello I hope I can get advice. I took out a secured loan in January 2002 for 8000. I obtained the loan through dial4aloan. The loan was arranged and the lender was endeavour. It appears I also was sold ppi of 1200 added to the loan. Well I am trying to reclaim the ppi. However all organisations are blaming each other for selling it. Dial 4 a loan state they only recommended ppi. Yet the ppi policy is on endeavour paper. Aviva say they have no responsibility either. So what happens when no one will accept responsibility? Thank you
  19. Hi Everyone, I am hoping someone can give me some advice on whether or not I should make a complaint about Mis sold PPI on two credit cards and a loan I had with Halifax when I worked for them. I started working for Halifax in 2002 and with a couple of months of starting I was offered a credit card and a loan as other staff members needed to hit their sales targets. I applied for both by basically sitting beside a colleague in the office who did the application and told me it was successful. He never once mentioned PPi and I was not aware of it as I worked in savings and investments. I would also like to stress the card or the loan was not on any special staff rate. anyhow my girlfriend has being pestering me recently to call Halifax to check if I had PPI. I was very reluctant as I was 100% sure I didn’t have PPI. Anyhow I called them and was shocked to learn that I in fact did have PPI. I left Halifax a year after starting and continued paying the credit card and loan for 5 years after that. I was off ill from work for 8 months during this time due to an undiagnosed illness. I was investigated for Chrones but it came back negative and thankfully I starated to recover from the mystery Illness. My point is if I had of known I had PPI I would made a claim. I just dont know if my case is strong enough as I have no paper evidence. any advice would be greatly appreciated
  20. Hello I am deaf and me and my wife took a loan out of £16,000 secured loan through igroup Ltd via loans.co.uk. We believe we have been misold with PPI. I wish to make a PPI complaint so can you please point me to the right direction to who I should make a PPI complaint to? The loan was taken out sometime between 2001-2003, not too sure and we have lost the original agreement, unfortunately. Please help? Many thanks Angus
  21. a few years back I took out a secured loan with Norton Finance (as they were then), which I could only take out if I took out PPI in the region of about £2.5k (the secured loan was for £25k (ish). The account moved from Norton Finance to Matlock Bank and then to Ascenden (#vultures!!!). The PPI was with Sterling Insurance Services or something. The secured loan was taken out in either 2004 or 2005 for 90 months (and I got into some difficulty with it - it is all resolved and paid off now - about 3 years ago). Can I claim PPI?
  22. HI guys, I’m currently assisting my mother with a PPI complaint with Barclaycard (formerly an egg card taken out Online in Q1 of 2004). I would really appreciate if someone could categorically tell me that EGG had the PPI box pre-ticked during Q1 of 2004 i.e. they have been successful in calming miss-sold PPI with egg. I would be especially over the moon if someone could tell me that it was not possible to proceed with the application if this box was not ticked as that seems of a complete own goal by egg. Barclaycard have offered us quite a chunk of a refund due to Plevin, but my mother believes she did not knowingly apply of the PPI insurance, which would be the case if the box was pre-ticked. We are is still the early stages i.e. we stated that we believed we have been miss-sold to Barclays and the 1st letter had was this Plevin offer, but we still have not sent our evidence nor our full reasons of the miss-selling to Barclaycard as of yet. Note: Barclaycard have stated the application was made online, I have no way to confirm this, but I have a paper copy of the 15 year old agreement from egg which I found filed away. The card is still active and has PPI premiums ongoing although I have made her paid off the balance of the card (+£2000). Any Help is much appreciated.
  23. Hi, has anyone out there heard of a company called dti who sold single premium mortgage ppi's back in early 2000. Any information on this company would be great. I took out a ppi with them in 2001/2002 and paid £3000 which was added to the mortgage when I came to make a claim I was told I couldn't as I was no longer working full time. This I was not told by the broker at the time as I would not have paid upfront. Unfortunately I have lost the paperwork so any info would be great. Thanks
  24. Hi All, just peace of mind really, since i'm not sure about it. back in the day 3 years ago. I had a mortgage which started off with Future mortgages, but the after the 2008 crisis became engage credit. eventually I sold the property at the end of 2015 - ad paid off all of the Mortgage. looking at the paper work I can't seen any PPI on it of any kind. Even when it was moved over to Engage Credit. Any Though as how I could verify if Any PPI was on my Mortgage Account? Cheers Red
  25. Hi everyone - haven't been on this forum for ages which is probably a good thing as it means I have no problems that need solving, but need to use all your brilliant advice again. Got a letter from Direct Auto Finance saying I could claim for PPI, they sent a form and also asked for copy of my agreement (which I did have, think was from 2012) filled it all in as we were conned, I remember the sales guy saying we had to take out PPI otherwise we could not get the car without it even though it was over the amount we could afford and kindly left the room for us to "talk about it". Had no option so signed on the dotted line. The total amount of PPI on our finance agreement was £1018.97. Got the letter with breakdown from them today and they have agreed a final settlement of £219.75. What I would like to know is does this amount sound fair or should I appeal. The only reason I don't want them to get away with it as looking back the salesman had no right to say we could not get the car without it. My brother has bought me a ticket to go to New Zealand over Easter to see my nephew so would be brilliant to have some extra money to spoil him. I have attached a copy of the breakdown. PPI.pdf
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