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firstly

my mother had a loan through a broker who is no longer trading

i done the loan for her saying i was her as she worked nights and was having the loan for me

 

.it was a secured loan.

first off i stated no insurance as i wasn.t working even though she was filled out info with broker

 

we was passed to swift

some prefilled info on there

we filled out thel rest and it had insurance ticked so i put i line through that

and write in pen do not want insurance

 

form was signed and sent off.

 

well guess the rest

 

insurance was on there

quite a few thousand to .

 

my mother didn.t want to cancel it as they could cancel the loan all together.

 

who do we claim this from

 

we paid it off within 2 years after finding a cheaper one else where and only got a few hundred back .

 

second loan for for a friend defaulted with barclay loan within first year

 

taken to court paid it all off now but had ppi on there

 

but they wouldn.t let him use it when he asked even though he was in work

never asked for it but knew it was on there g

 

oing back a few years now but only finished paying within last 2 years .

 

can you claim ppi if its mis sold and you defaulted with in first year even though your paying it off still through courts t

 

his for someone else who had bank loan with barclays who wasn.t working but had ppi.

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On the Barclayloan, yes you can claim under the circumstances you have described.

 

On the Swift loan, have you got a copy of the agreement? Who signed it...you or your mother?


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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?

Read Here

 

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my mother signed it and no copy of agreement she lost it when having her house done but i do know that i crossed insurance out and wrote do not want insurance .

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another thing how do you claim with out using a company .could you write a letter for the unemployed loan with ppi to barclays i know it will come off the balance owed but at least its something.

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For the Swift loan I would SAR them to get as much information on the account as you can. There is a template for SAR in the CAG library. Add a line that says it is to include copies of all and any agreements you have ever had with them.

 

From the information that comes back you should be able to calculate how much is due back to you.

 

To reclaim PPI you should send the lender a completed fos questionnaire and it is a good idea to attach a spreadsheet showing ow much you calculate is due back. This goes to the lender with a brief covering letter. All of your reasoning for the mis-sale will go on the fos questionnaire.

 

The questionnaire is available from here

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Also have a read of No.1 in my signature which will help you calculate the amount due back.

 

Swift may well deny that they are responsible for the mis-selling and that it is down to the broker. What you will want to know is why insurance was added when the forms submitted to the broker clearly stated no insurance wanted. If Swift put it on the account themselves then they will be responsible.


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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i.m really sure it was swift not the broker as the application came from swift and thats who we sent it off to.

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