Can I claim ppi Black horse loans from 1998 and 1999

[maggie]

Thanks dx ..I will send this off today but at the least tomorrow .thank you very much for your help Maggie

[maggie]

Hi Dx,S.A.R ready to send by recorded delivery tomorrow morning .Will keep you updated .Thanks Maggie

[maggie]

Hi dx ,,

 

I received a reply to my sar

 

I am a little perplexed as I sent a sar request

 

,in accordance with the data protection act, sent me copies of the agreements .

 

Strangely they are arguing that I did not take ppi out on one of the loans from 1994 when I first contacted them

,but they have sent me transcripts from it with all these shortened letters which mean something to them but not me .

 

Also ,from reading the news,they have shortchanged me from the payment I accepted on the first loan

as they have they have printed the magic words in the original offer i.e £9 in every £100 of net monthly repayment as ruled by the f.s.a. and mention the redress,

 

I accepted the offer before the news broke out that they are one of the banks that are holding back on the proper repayment .

 

please can someone advise me is an s.a.r. the same as a d.a.p. ,,

 

and I am certain that they shortchanged me on the ppi repayment .

 

Pls can you advise on what letter I can write back to them .

 

Thanks Maggie

[dx100uk]

adap?

 

dx

[dx100uk]

on the short change bit

 

best way id to simply phone the PPI line in their letter

 

and tell them you want the rest of your money back.

 

dx

[maggie]

d.p.a. they say I asked for data under the data protection act ,,,the letter I sent them was for a subject access request ,,are they both the same thing ?

[dx100uk]

yes they are.

 

dx

[maggie]

On the loan they say we did not take the ppi out ,I distinctly remember we did .

 

They have sent me in their words a deletion statement for the agreement .

 

on this statement are lots of abbreviations ...n...and ptp add ...and lots of others ,

,and they also ask me to provide dates and times of telephone calls as this would help them search their database

 

.On a loan ,,if ppi were taken out ,what abbreviation would it show on the info they have sent me

 

also a ppi was taken out in 2003 a single payment of on top of credit.

 

I have no idea on how to work out the amount owed or fill in spreadsheets .

 

so please can you help me as I don,t want to be "cheated" on what they really owe me .

 

Thanks Maggie

[dx100uk]

they should provide a abbv key sheet.

 

the statements will show the PPI payments?

 

dx

[NGEddie]

dont think it does

its just a universal form

 

what I am saying is

 

they paid your loan for a period of time

 

it APPEARS that they have not realised this in their refund offer

 

IF they realise or are told this you could lose X times £70 from the net total figure

thus then even more from the resultant interest as the net sum will be low

 

my gut feeling is to accept

 

and run..fast..

 

I say the above as this appears to be for ONE LOAN ONLY

 

you said you had 3?

 

so two to come?

 

 

 

I read something similar on another thread, so is that how refund, in separate letters or cheques for each loan?

[maggie]

please can you help .I am not very computer illiterate and would like some help on calculating how much ppi refund I should receive from a single premium of £70.76 being added to a loan in 2003

[dx100uk]

only one? then it stopped?

 

StatIntSheet v101.xls

[maggie]

It was added to the start of the loan as a single payment ,as the loan was over 6 months .The repayments were deferred for 1 year,it was for furniture.

[dx100uk]

ah right

 

follow link one below

[sarahnicho]

I was searching for success stories relating to old ppi claims. I came accross this fab forum and read your posts with interest (though lots went over my head completely I admit!)

 

I am keen to know whether you were offered a better refund in the end? You mention £1000 but wasn't clear if you negotiated more?

 

I am in similar position of now being in ill health and after my house was repossessed I am up to my eyes in debt and struggling with loan sharks and bringing up young children.

 

I realised I may have a claim as I found my original paperwork from 1999 when I was mis sold ppi when taking car finance.

 

I contacted the car sales company who referred to their solicitor, who in turn stated since they don't keep records after 6 years it will be considered time barred under Limitations Act.

 

The F/ombudsman helpline said that it doesn't matter and to approach black horse who took over Chartered Trust whom the policy was with.

 

Keen to hear your thoughts on dealing with them? I also had a separate ppi policy on a personal loan which was also with Black Horse Finance. However I recently through away all the old paperwork when trying to declutter after being repo'd and having to downsize massively!

 

I am encouraged to hear you were refunded. Sounds like a long slog u went through. I wondering if I have strength and time to pursue

These loans were taken out with Lloyds in 1998 and 1999,,

 

was told the PPI HAD to be included or we could not have the loans .

 

My hubby was made redundant from his job half way through ,

 

,we put a claim in for the ppi insurance

 

,,in the meantime

 

,,charges were also placed on our account due to the insurance paying the loan cover late into the account each month ,

 

,,,,from our credit records ,

 

,,I have the account numbers on both loans ,the date they began and were satisified ,

 

,,and also black horse has put an amount of arrears 2 months late ,19 payments 3 months late ,,

,which was not our fault ,as their insurance company the ppi was with ,

was not paying the loan amount in the account each month that they should have been

,,but were making the payments two or three months late ,

,,therefore we incurred quite a lot of charges too .

 

Can I claim a refund on the ppi and maybe the charges from these loans taken out with the ppi ,

,,from all these years ago .?

 

If so ,,please can someone give me advice on how to go about the next step

and an idea of what to write in the letter to lloyds ,,

 

,,our life was made hell back then

 

,through all the debt and charges added ,,,

[dx100uk]

might be setter to start a new thread

 

of your own

 

dx

[NGEddie]

As dx says, start a new thrread, but dont give up, especially if you have time on your hands

 

Reading others threads is really good as you get a feel for how it works and teminology

[maggie]

Hi sarahnicho,,

 

I am so sorry that I haven,t been able to reply to your thread much earlier ,

 

 

I have been really unwell these past months

,to and fro hospital but

 

 

I have today,,checked all my e-mails which has taken me quite a time ,

and saw the reply to my thread sent by cag...

 

 

No ,it wasn,t a hard slog to get them to reimburse me the ppi ,

 

 

,as I already had info on them from my credit file with Equifax..

 

 

We also incurred lots of charges from these loans ,

 

 

I intend to pursue them as well ,with the help of these marvellous people on here.

 

 

Once again ,

 

 

I am so sorry that I was unable to reply to your question until now .

Maggie