Jump to content


Help needed to reclaim PPI from Direct Line


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5000 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

I am just about start a claim against direct line for mis-selling ppi (its actully for my sister in law). I have never done this before but I do a little bit of general advice work and feel I have nearly grasped what is required. The story is as follows:

 

She took out a loan with DL in 2002 (she cant remember the exact amount or if she took out PPI). In September 2005 she still owed £3500 and cleared this by taking out a loan of £5000 with PPI (single premium). She has a copy of the second agreement but not the first. She was employed but had serious mental health issues during this time (had a nervous breakdown). The debt is now with a DCA and she has had a repayment plan going with them for a few years now. They have just sent out an income and expenditure sheet for completion.

 

I have drawn up a letter of complaint outlining why i feel the PPI was mis-sold and I have also requested a copy of the CCA for the initial loan.

 

I have some questions:

1. When is it better to send a SAR and not a CCA?

 

2. Is the fact that the debt will be 5yrs old on the 20th of September significant in regards that the PPI policies, as far as I understand, only cover 5 years.

3. Becuase of the question of the selling of the PPI at the time of the agreement should I put the account into dispute and hold payment or not?

4. Do I make the £1 cheque paybable to RBS or Direct line?

5. And would I send a SAR to the same address or not?

 

Sorry for all the questions but I feel I nearly have a good understanding of what to do but dont want to make any mistakes. Any other advice would be much appreciated.

 

 

Many thanks

 

Martin

Link to post
Share on other sites

Hi, alfied.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...