PPI advise please

[happys]

Hello can some one help

 

i have applied to get back ppi on credit card and loan,

 

the credit card i defaulted on a few years ago and are paying it off via a debt collection agency,

 

if i get ppi back will the bank take the money off me or send me a cheque,

 

the loan i paid off years ago, but the bank i still owe monies to,

 

which are with debt collection agenies,

 

any advise would be great,

 

also i had a mortgage back in 1991 till 2005,

 

i had Mortgage protection insurance from 1991-1995,

 

which was stopped by my partner of the time,

 

the mortgage was in joint names,

 

but the mpi only in his name,

 

can i claim it back.He his now dead.

[rebel11]

Hi happys

 

Welcome to CAG

 

The guys will advise as soon as they are available.

 

Thread moved to correct forum.

[dx100uk]

why are you paying a DCA on these

 

do they own the debt

 

how old are they please

 

are these on your credit file?

 

if the bank no longer own the debts

 

the reclaims goto you.

 

as for the mortgage

 

i'd try and see how you get on.

if you've not got all your statements

 

each 'bank' will need an sar to provide them to you.

 

dx

[happys]

why are you paying a DCA on these

 

do they own the debt

 

how old are they please

 

are these on your credit file?

 

if the bank no longer own the debts

h

as for the mortgage

 

i'd try and see how you get on.

if you've not got all your statements

 

each 'bank' will need an sar to provide them to you.

 

dx

 

hello thank you for the reply,

 

the bank sold all the debts to differant DLA

 

i have had the debts for over 6 years now and yes they are on my credit file.

 

The mortgage is a strange one as they have addmitted that they have sold mpi to the person that has died,

they say as i am linked to the mortgage i can claim back,

 

i had to send death certificate,

 

i am now waiting for them to start the ball rolling,ie paper work for me to claim back,but its all rather confusing

[dx100uk]

i'd be sending those dca's you ar paying a CCA request.

 

why did you blindly start paying them?

 

fell for the threat-o-grams?

 

dx

[happys]

it was all done via lloyds tsb yes we did panic as we own our own home, and i all ready have a ccj on a credit card with the same bank, my solicitor said i was lucky they didnt put a charge on our home

[happys]

what do i do if they do not send credit request

[dx100uk]

you stop paying them

 

they've fleeced you

 

dx

[happys]

hello dx

 

i have drafted letters to my credit cards thank you for template, but

 

i have been reading all about the loophole in consumer credit act 1974,77/78 and

 

it seems that loophole has been closed and banks are still taking people to courts.

 

on of my debts is with court on a cja,

 

can i still send letter or am i wasting my time,

 

thanks for your help so far

[dx100uk]

obv the CCJ one is 'immune' from a ccj request

unless the CCJ has been sold on and you are not paying the named claimant.

 

as for the rest

simply print the CCA request AS IS

 

insert their/your details

 

get a £1 PO LEAVE IT BLANK

 

send it 1st class with free proof of posting to them.

 

you do not sign the CCA

[happys]

thanks for that why do i not sign it please

[dx100uk]

because you don't want them lifting a sig to 'made up' agreements,

it has been known.

[dx100uk]

I know you've been reading around

 

but don't fall for the rubbish they sprout in letters or the phone.

 

the original creditors sold your debts for a very good reason

they couldn't or wouldn't risk going to court.

9/10 that turns out to be mis-sold PPI

or

PENALTY charges

or

no paperwork

 

if you debts are pre apr 2007, anyone trying court will need the original agreement you signed.

 

no cca = no pay! mr fleecing DCA.

 

dx

[happys]

ok thank you i will let you know if i have any issues that i dont understand is it ok i ask for help please.