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Just wondering how I would go about making a claim regarding the PPI on a loan I took with the above.

 

We took out a loan probably 7 years ago (we're on a repayment plan at the minute so no SB) and there is PPI on the loan. We needed the loan as we were quite desperate as we needed some things in preparation for our 1st child.

 

The reason I'm not sure on how to go about it is because it was sold to us when the woman doing the loan told us that it would increase our chances of getting the loan as the providers would know we have it in place if we ran into trouble. As we needed the loan we agreed to it. How do we prove this?

 

Just to give you an idea of the people that worked at the branch, when I ran into trouble the same woman would ring me quite a lot trying to make me take on a loan with someone else to pay the debt off and the branch manager made an unannounced visit to my address whilst I had visitors and spoke quite loudly so that the others would hear my details. He was quite intimidating to be honest.

 

Sorry if there are similar threads, I did try to search, but I don't use this section often as this is the only loan I am 100% certain they have mis-sold the PPI on.

 

Thanks, Lee.

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Standard procedure applies...

 

fos questionnaire and ideally a spreadsheet of claim.

 

Have you got the agreement and record of payments made?

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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?

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  • 2 weeks later...
  • 10 months later...

Had a letter back today from the FOS regarding a different claim against HSBC. Basically it came down to our word against theirs. And because the advisor didn't write down our concerns regarding the PPI they went with HSBC. So it seems chasing this one would be a waste of time because I doubt that they would have wrote down that they told me that having PPI would increase my chances of getting the loan.

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The decision was probably made by an adjudicator.

 

You can always request that this is reviewed by an ombudsman and stress the point that it is not your problem that the advisor did not make notes. Make it plain that you were told that taking PPI increased your chances of a loan and because of your circumstances and needing the money you felt you had to take it.

 

You can tell fos that you felt that the bank and advisor took advantage of you knowing your position.

 

Don't give up just yet :-)

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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