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alangee

PPI reclaim question

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I am sure this has been asked before, but I cannot find a reference to it.

 

If I apply for a refund of my PPI payments, does any payment come to me directly or do they take it off the balance of my account?

 

Alan

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I think it depends - if the account is in arrears I believe generally it is refunded to the account if it is in credit you can chose if you want it back or to your account.

 

That is what I learned when dealing with Lloyds anyway.

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Thanks Andie

 

I was thinking in terms that it was (or should have been) a separate agreement that you had with the insurance company, so they should pay you directly.

 

Alan

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you could argue that if they want to insist it was a single agreement so therefore being able to use the PPI to offset the loan it could render the whole it could render the whole thing unenforceable. Each section of the loan should have been completed seperately requiring a signature and t &c for each section - both the loan and PPI

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there is a multiple agreement thread on the forum that may help - i'll see if i can find the link

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there is a multiple agreement thread on the forum that may help - i'll see if i can find the link

 

Multiple agreements falling within section 18 CCA 1974

 

this is the link

 

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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