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Im looking for some advice regards to PPI, i bought a car through welcome finance, however i returned the vehicle to Welcome finance with keys, just parked it outside their office and posted the keys in the leterbox. i wrote to them explaining what i had done, as was my right after i had paid over the minimum term and amount in which i was entitled to return the vehicle, cant remember what the correct terminology is, anyway during the cycle of payments i was also paying PPI, however during this time i was self employed i have been informed that i would not have a leg to stand on if i made a claim on the insurance as i would need to have been employed.

 

Questions.

 

1. Was this miss sold

2. Could i still claim against this insurance being miss sold

 

any advice would be much appreciated

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Hello buzzword,,

welcome to the forum,

 

however during this time i was self employed i have been informed that i would not have a leg to stand on if i made a claim on the insurance as i would need to have been employed.

 

Questions.

 

1. Was this miss sold YES

2. Could i still claim against this insurance being miss sold YES

 

If you can post more info re dates of purchase and return.

Do you have the CCA, Terms and Conditions and PPI policy documentation?

 

You may have to go through the Court system depending upon the dates. If the car loan with PPI was after 14 Jan 2005 then you can start with a reclaim and if no success go through the Financial Ombudsman Service (FOS) If it was before that date you should call the FOS first to see if they would consider a claim and if not then you have the option to go to Court.

 

Please post more information about you particular circumstances so more people can offer advice.

 

regards

 

and good luck

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thanks for your post alanalana, :) i will look out for more information so i can update this thread, i think i have some documentation filed so i will rake it out and post as much details as i can.

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