Help needed to reclaim PPI from Direct Line

[alfied]

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

[maroondevo52]

Hi, alfied.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

[alfied]

thanks for that