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Good Morning all

 

I have just recently acquired my SAR for both my River Island Card and LLOYDS TSB credit card. Both were taken out whilst a student at University and both had PPi.

 

The thing is, in 2005 I remember being allowed to cancel the ppi on the river island, have I asked what it was, the advisor took some info from me and said you ' don't need it'. The same happened last year with Lloyds.

 

I was paying ppi on river island for 6 years, never claimed as until 2005 didnt know what it was on statements as never got any policy info. The same for LLoyds.

 

Should I have been refuned these premiums. They both were £20 a month!

 

Thanks in advance

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Good Morning all

 

I have just recently acquired my Subject Access Request for both my River Island Card and LLOYDS TSB credit card. Both were taken out whilst a student at University and both had PPi.

 

The thing is, in 2005 I remember being allowed to cancel the ppi on the river island, have I asked what it was, the advisor took some info from me and said you ' don't need it'. The same happened last year with Lloyds.

 

I was paying ppi on river island for 6 years, never claimed as until 2005 didnt know what it was on statements as never got any policy info. The same for LLoyds.

 

Should I have been refuned these premiums. They both were £20 a month!

 

Thanks in advance

 

If you have a valid reason to claim the PPI was mis-sold then you can claim back all the PPI premiums you have paid. However please read through the stickies at the top of this forum to see what circumstances apply to mis-selling.

 

PPI - Some Notes for Claimants..

 

and more information in here...links

 

such as this:

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

This is a little snippet from the above link....

 

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

 

FOS details of some PPI claims and the rulings

issue 71 - complaints about payment protection insurance

 

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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