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£20000 debt iva ppi


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Hi guys whilst i was preparing my SAR letter i have mentioned this to my step father'

 

unfortunately 3 years ago my stepfather had around £20k in debt

this was loans from his bank and several different credit cards '

 

in the end he got an IVA to reduce the payments and resently he came into some inheritance so was able to pay it all off

 

where do we start with a PPI claim ?

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HI Darren.

 

Does he have the original paperwork?

 

If not, I suggest he sends the SAR to the Original creditor for each set of PPI he wishes to reclaim!

 

Jogs

 

just been down to his house i was shocked he has all the paper work 3 loans in all '

all with ppi what should his next move be as he is not very good face to face or on the phone so correspondence would be better

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Hi

 

For these threa loans, were they all individual loans or was one taken to refinance a previous one?

 

Have a read of No.1 in my signature about single premium PPI and the way to calculate the refund due.

 

Also pop along to the fos website and download the consumer questionnaire and complete it.

 

Ideally you should also complete a spreadsheet of claim so that you know how much should come back to you.

 

The completed fos questionnaire is sent to the lender together with a copy of the claim spreadsheet and a brief covering letter requiring refund. The lender will 8 weeks to carry out their investigation and give you a final decision.

 

None of this should be done on the phone....it should all be done in writing and, if you can, send it recorded.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi

 

For these threa loans, were they all individual loans or was one taken to refinance a previous one?

 

Have a read of No.1 in my signature about single premium PPI and the way to calculate the refund due.

 

Also pop along to the fos website and download the consumer questionnaire and complete it.

 

 

 

Ideally you should also complete a spreadsheet of claim so that you know how much should come back to you.

 

The completed fos questionnaire is sent to the lender together with a copy of the claim spreadsheet and a brief covering letter requiring refund. The lender will 8 weeks to carry out their investigation and give you a final decision.

 

None of this should be done on the phone....it should all be done in writing and, if you can, send it recorded.

yes 3 different loans i will try and calculate thanks for your help will keep you informed

might need some help where to send each letter he has lombard direct goldfish and natwest

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Shout when you need help

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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great your a start lets start shouting lol

 

can you give me the correct adress for lombard direct

 

The Royal Bank of Scotland plc (trading as Lombard Direct) Registered Office: 36 St Andrew Square. Edinburgh EH2 2YB

 

goldfish

 

Barclays Bank PLC, registered office 1 Churchill Place, London E14 5HP

and Natwest

 

National Westminster Bank PLC 135 Bishopsgate London EC2M 3UR

 

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Did you read the article at No.1 in my signature?

 

These are all loans yes?

 

If so all you will need is in that link including the spreadsheets which are in the last post of that thread

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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thats superb i never new goldfish was part of barclays ?

 

In 1996 Goldfish credit cards broke the mould with a then innovative loyalty scheme Goldfish Points which could be redeemed in affiliated stores including John Lewis Boots Argos and Marks & Spencer. Goldfish credit cards became the fastest growing credit card offering in the UK market.

Goldfish credit cards were originally launched as a joint venture between British Gas and HFC Bank. The business was later bought by US bank Morgan Stanley and became part of Discover Financial Services the USAs fourth largest credit card operator when the latter was spun out of Morgan Stanley in June 2007.

Goldfish credit cards operated through the Visa and Mastercard credit card networks. Goldfish offers a range of financial service including insurance products and travel services.

The Goldfish business was acquired by Barclays in April 2008 and Goldfish is not currently accepting credit card applications.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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are you not already doing an sar to some of these ?

 

 

or is that for your wife?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

standarren, dx and Ims21 sorry to hijack but I have a question about which banks are "linked" and as this has come up in this thread I thought it was a good place to ask! Is there anywhere on here where people can look for this info? It is really useful information knowing who is a part of who etc....

 

Many thanks :-)

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A little concerned after looking at the fos questionnaire it seems to be pretty detailed' i wouldn't want to enter the wrong details' is there a guide that i can follow whilst filling this in.

and also dx mentioned a letter that should be sent with the fos questioner where can i find this?

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With regard to the fos questionnaire you complete it truthfully and with what you know. There is no guide as each case is different...it really is as simple as answering the questions.

 

There is not template letter either, it is just a simple covering letter saying here's my complaint, give me my money back.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Share on other sites

what you cant answer leave blank or put N/A or cant remember.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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