Jump to content


Bank of Scotland creditcare silver - Car loan PPI?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2732 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

I took out a loan with Bank of Scotland in 1999 for £5000 to buy a car and

 

notice on the agreement that I also had something called Creditcare Silver,which came to £1532.50.

 

My question is,

 

is this some form of PPI and

 

 

I was fully employed at the time and had full sickness benefits and a good pension scheme.

 

I also have similar issues with HFC,

but will cover that in another thread.

Thanks in anticipation.

 

Barney

Link to post
Share on other sites

Hi and welcome to CAG.

 

Yes this is PPI and can be reclaimed if it was mis-sold.

 

Have a read of No.1 in my signature so you can see how to work out what you might be due in redress.

 

Are you familiar with the claims process?

Edited by ims21

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

 

Link to post
Share on other sites

Hello and Welcome Barney,

 

I'd think it was some form of PPI and sounds like you'd have a good chance of re-claiming it.

I'll have a look around, see if I can find anything that would be helpful to you.

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi

 

Thanks guys,

 

I am not at all familar with PPI,

 

but went through some of my old documents just to see.

 

I wasn't even aware that I had taken any cover with loan until I checked,

 

and I am sure I didn't need it.

 

Di I need to be in contact with them or is there a pro forma I fill in?

 

Cheers Bernard

Link to post
Share on other sites

You should download a copy of the fos consumer questionnaire from here and complete it.

 

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

 

Ideally you should prepare a spreadsheet showing how much you may be due back (see no.1 in my signature). Submit the completed questionnaire to the lender alomng with the spreadsheet and a brief covering letter saying that you believe you were mis-sold and you enclose the relevant complaint form.

 

They will have 8 weeks to investigate and give you a decision.

 

If they do not respond within the 8 weeks then you are entitled to open a complaint with fos.

 

If they respond positively and make an offer, you can use the spreadsheet to check any offer they make. If you disagree with any offer or their decision you can challnge them or open a complaint with fos if they say theirs is a final decision.

 

Since all of this is time sensitive, send your complaint by some trackable method so that you know when they receive your claim.

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

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...