PPI battle begins

[Zzed]

Hi all

 

A few years ago I had some relative success with unfair charges and managed to pay off my debts

 

I've started again this time with PPI and would like to pick your collective brain in the near future should the need arise

 

I've put in 4 claims so far with Barclaycard, HFC, Barclay Loans and CitiVisa. I'm yet to pursue Egg and RBS

 

My case is:

 

HFC:

 

Was gainfully employed when taking out the 6K loan.With sick pay and redundancy pay off guaranteed depending on time served.

PPI and interest bumped it up to 9k (beggers). PPI was compulsory I was told, for the completion of the application.

Was made redundant 6 months later but I had a job to go to so left with a hefty cheque of 6 months salary and started new job 2 weeks later.No lapse in payments in that time

Paid a chunk of loan off and other debts and brought the balance to a manageable repayment amount with redundancy pay off.

2 years later I was made redundant again but no cheque this time to see me through and pay off my debts.

Couldnt pay and tried to claim on PPI and they said eh.....NO

Went into dmp and paid off debt over the next 4 years but.. Wrote to them asking them to cancel the PPI.. No response

Anyhoo, dmp paid off the debt (and what was left of it at the time was PPI and interest only by my guess) in 2008 and HFC sent me a letter to acknowledge satisfaction of the debt (took a few hundred off when I was near the finish line)

 

Case or not? (Claim in already, had account and old SAR statement but no agreement. Will look again for that)

 

Barclaycard:

 

Filled in the mailshot through door and got approved chop chop. Wasn't asked at all about PPI and got a PPI certificate soon after saying "my application had been approved" Hmm

Kept it and tried to cancel when the wheels came off the wagon having tried to claim and they said NO.So felt well why pay if it don't to what it do???

 

Case or not? (No agreement but account details and PPI certificate with policy number available)

 

CitiVisa:

 

Mailshot again (fool) and sent non advised situ. This time I recall that form had "opt out" option only

Had letter from 2004 acknowledging and confirming my cancellation of PPI after I tried to claim and again they said no (there's a theme here right? It's all true)

 

Case or not? (letter confirming request for PPI cancellation in 2004. SAR statements but available from that time)

 

Barclay Loans:

 

Paid off loan early and the sneakies sent me a letter and cheque for £145, 12 months letter to say they had noticed that they had charged me PPI for the full term of the loan and were paying back the £145 as it was paid off earlier.

I wrote back saying " can I have the rest if you please"?

i'm yet to hear from them

 

Case or not? ( letter acknowledging I'd over paid PPI with copy of the cheque. Account details etc available but no statements)

[ims21]

Hi

 

I would say yes there is a case on all of them given that your employment at the time of taking the accounts provided more than adequate benefits in case of sickness etc.

 

You also have the other things in your favour i.e. compulsory on one of them, had to opt out on another (frowned upon because people should have been given the opportunity to opt in), Barclaycard popped it on to the account without your knowledge.

 

I say go for it

[Zzed]

HFC:

 

So I had a rummage and came across my last failed attempt to get the PPI back of HFC in 2008. HFC rejected it on the basis that though i rejected cover for death, I accepted cover for accident, sickness or unemployment. They say that they explained this to me during the application and I signed up. Well, I remember this conversation as the chap who sold me the loan and PPI was an arrogant little hmm and he said no accepty no loany.

 

[ATTACH=CONFIG]40156[/ATTACH]

 

I had a lot on my plate then and I felt defeated by HFC and left it a that.:-

 

Here's the crux: The form is clearly pre-filled as the tick in the box generated by a computer/typewiter ( see attached documents)

 

[ATTACH=CONFIG]40157[/ATTACH]

 

I have also found my original contract of employment which states that I was covered for sickness and would receive statutory redundancy pay depending on time served

 

[ATTACH=CONFIG]40158[/ATTACH]

 

I also have a copy of the letter I sent in 2005 asking them to cancel my PPI. (attached).

 

[ATTACH=CONFIG]40159[/ATTACH]

 

HFC never responded and the debt was handed over to a DCA who then agreed to go into a DMP though which the FULL amount of the loan, including the PPI was paid.

 

I have already filed a fresh complaint about my PPI but as my six months (and some) is up to approach the ombudsman, should I go directly to the ombudsman or await HFCs response?