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Me Vs V12 Finance Vs HSBC Vs The AA


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Hi Ive used Cag previously to successfully claim back all my bank charges - now its time for PPI

 

I have a clear cut case with V12 - here is this story:-

 

In 2007 I took out a retail finance with clode funding (v12) value was appx £1500 over 3 yrs

- it was the type where they send you documents to sign and return and finance is then organised and product is then shipped.

 

In 2009 I read through the paperwork to find I was paying for PPI of which I had no knowledge

- although I had signed the paperwork (looked like a photocopy signiture tho).

 

I contacted v12 and cancelled the ppi on the basis i did not know or want this insurance due to the work I do

(I work for a very large motorcompany who do not make compulsary redundancy).

 

with the above I have contacted via telephone then by email on their request asking for a refund on the basis I was missold/not explained correctly what PPI was

- this one should be fairly straight forwards.

 

OK now onto the other 2

 

- I have sent a generic letter requesting any details of any accounts I have held with them in the past and provided all my recend addresses over the last 10yrs

- I have also included a statement saying if they wish I will provide a SAR upon request and for them to contact me in this instance (if no contact in 14 days I will send the SAR anyway).

 

With HSBC and THE AA I do not have any details of past accounts or if I have a claim but I know i have had credit cards and loans with both.

(may have said no to the insurance tho) but its worth a look.

 

I will update and ask questions in this thread as I progress with all these claims - any tips would be appreciated - so thank you in advance.

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Hi

You seem to have things well in hand but if you need pointers, I'm sure out Caggers will help

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 2 weeks later...

Hi ive just had an offer from V12 for all the PPI payed into the account - not alot but well it is mine so ill keep it - what I want to find out is what or how do you calculate a fair interest as a %. I am thinking I should claim back the interest also - is this the case? or should I just accept?

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lol nevermind just found this on hovering over PPI

 

If you think that you have been mis-sold PPI then you should claim it back. The entire PPI industry - including banks, stores, finance companies, phone companies have become involved in this corrupt gravy train to some extent or other.

 

The limitation period for making PPI claims is 6 years from the date that you could reasonably have discovered that you were the victim of mis selling - and you can claim all the way back to the beginning.

 

You are entitled at least to your money back and 8% - but you may be entitled to more.

The Ombudsman will award you a minimal award. You stand a chance of getting more money from the courts.

You will be suing for money paid under a mistake and you would be entitled to restitutionary damages.

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  • 2 months later...

Hi darkrage,

 

I too have only just read in the fine print on the back of my V12 finance agreement that I have been paying PPI on the balance of my iMac payments for the past 3 years - my payments are actually due to finish later this month so it's nearly for the entire period of the agreement that I have been paying PPI that I didn't request or know was included.

 

Are you able to offer any advice on how you went about making your claim to V12, as it seems that you have been successful and there can be no-one more qualified to ask than someone who has already won their claim!

 

Cheers,

MB78

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