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Lola2806

PPI claim - Alliance & Leicester

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I took out a loan with Alliance & Leicester back in 2006. It was for £4,500 over 18 months and is fully repaid. When I originally applied for the loan I selected that I didn't want the PPI, but I am 99% sure that when I sent the paperwork back to them they wrote back saying I had to accept the PPI or they couldn't process the loan - as I needed the money quickly I agreed to it. Now, I don't have much paperwork left from this loan, just a confirmation letter, one showing I received £10 as an "annual moneyback payment for protecting my personal loan repayment", and one confirming that the loan has been repaid.

 

I am a bit confused by the calculator that I have seen on here to work out how much PPI I should be able to claim back - could anyone explain it a bit more? Can it be calculated using the below figures, or will I need to do a SAR & find the figures off that?

 

Loan amount: £4500

APR: 5.9%

Monthly payment: 18 months @ £293.59

Total repayment: £5284.62


Halifax Credit Card : PPI Claim Successful! :D

 

Freemans : CCA request sent - ACCOUNT WRITTEN OFF :D

 

Alliance & Leicester: PPI Claim Successful! :D

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I took out a loan with Alliance & Leicester back in 2006. It was for £4,500 over 18 months and is fully repaid. When I originally applied for the loan I selected that I didn't want the PPI, but I am 99% sure that when I sent the paperwork back to them they wrote back saying I had to accept the PPI or they couldn't process the loan - as I needed the money quickly I agreed to it. Now, I don't have much paperwork left from this loan, just a confirmation letter, one showing I received £10 as an "annual moneyback payment for protecting my personal loan repayment", and one confirming that the loan has been repaid.

 

I am a bit confused by the calculator that I have seen on here to work out how much PPI I should be able to claim back - could anyone explain it a bit more? Can it be calculated using the below figures, or will I need to do a SAR & find the figures off that?

 

Loan amount: £4500

APR: 5.9%

Monthly payment: 18 months @ £293.59

Total repayment: £5284.62

 

I would advise to alway start with a Subject Access Request. It is best to gather information then prepare then start the action to recover.

 

Have a good read through the stickies at the top of this forum and also read on other similare threads dealing with A & L to get assistance from other A & L claimants.

 

Did you know they have been fined £7m for mis-selling PPI?

 

Alliance & Leicester to pay £7 million fine for PPI failings

 

 

Mis-sold PPI? Want your money back? use these links to help

 

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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Well I wrote to A&L at the beginning of the month about my PPI claim and have received a reply today.

 

They say that they "have not been able to establish whether you were provided with sufficient details to allow you to make an informed decision when the policy was taken out" but have offered me a refund of £681.71 (£582.66 monthly premiums & £99.05 interest to 31/08/09) Quite suprised to hear from them so quickly! Just got to sign & return a form to them so they can send me a cheque.


Halifax Credit Card : PPI Claim Successful! :D

 

Freemans : CCA request sent - ACCOUNT WRITTEN OFF :D

 

Alliance & Leicester: PPI Claim Successful! :D

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They settled with me very quickly too. Maybe due to them already being fined.

 

Well done!!


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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Well I wrote to A&L at the beginning of the month about my PPI claim and have received a reply today.

 

They say that they "have not been able to establish whether you were provided with sufficient details to allow you to make an informed decision when the policy was taken out" but have offered me a refund of £681.71 (£582.66 monthly premiums & £99.05 interest to 31/08/09) Quite suprised to hear from them so quickly! Just got to sign & return a form to them so they can send me a cheque.

 

Nice one, let me know when you get the cheque and I will stick a **WON** tab on you thread title

 

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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Hi, I'm new to this sort of forum thing, however I'll do my best, I have tried making a claim against the Alliance and Leicester for PPI.

I do have some supporting documentation from the alliance and Leicester which dates back to the original start date of my mortgage in 1978 (long time I know).

the building society suggests they cannot continue with my claim as PPI was not sold by them at that time, but I'm pretty sure it was

Could anybody please verify if indeed PPI was sold by them at that time, possibly someone is in a similar situation to me, any help would be most grateful.

Many thanks

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