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help with first ppi claim

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i have just recieved a credit agreement back from hfc

and noticed they have included ppi


this agreement is from 2004


my questions are


i have defaulted on this account and stopped paying it in 2005

can i still make a claim ,as i have only just noticed this


the credit agreement and the ppi both do not have a "date of signiture and date of agreement"


any advise on where to go from here and what letters to send


thank you


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Hi Chris:)


Sorry you haven't had any replies till now!


Yes, you can still put in a claim even if the account is in default. I have only today received a cheque refund for a mis-sold loan PPI from LTSB for an account that has been in default for a couple of years. Although some firms will try to refund the mis-sold PPI to the account - which at least reduces the balance owed - it should really come to you as you have been deprived of this money through their mis-selling of the insurance.


Have a thorough read of the 'stickies' at the top of this forum to get an idea of if you are elligible to claim/how to go about it. There's lots to read and take on board but it will be of infinite help in understanding the process.


Hope this helps!


Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%


MBNA 1 Charges - Refunded inc CI


MBNA 1 PPI - Refunded


MBNA 2 Charges - Refunded inc 8%


MBNA 2 PPI - Refunded


MBNA 2 Accident Ins - Refunded


Swift Advances (settled) Mortgage Charges -Partially refunded


Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%


Sainsburys (settled) Loan PPI - Refunded inc CI +8%


Sainsburys (closed) Card Charges - Refunded inc CI + 8%


M&S Money (closed) Card Charges - Refunded inc CI


M&S Money (closed) Card PPI - Refunded inc 8%


Direct Line (settled) Loan PPI - Refunded inc CI + 8%


Debenhams Card (closed) PPI - Refunded inc 8%


Swift Mortgage Charges -Refunded


Hitachi Finance (closed) Charges - Refunded

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