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Ford Credit (HBOS) Anyone know the PPI rate in 2007?


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Dear Everyone,

 

I am going to submit a PPI claim for a Ford car loan I got from a ford dealer in 2007. The ford sales man said the PPI was compulsory to get the loan. It was my first car loan.

 

I have a print out of all the payments made, and the final balance being cleared which HBOS provided me.

 

However, the monthly payments are the aggregate of the loan repayment + the PPI.

 

I don't know how much the PPI component was and don't have the original documentation or loan agreement, but have proof of the loan and it being paid back.

 

My question is:

 

  1. Do I need to know the exact PPI number?
  2. Or, can I submit the letter stating that the loan had PPI included in the payment and I wish to reclaim the PPI component plus interest?

Note, I have a letter from HBOS saying they have no record of the loan. But then I got another department at HBOS to forward me the full payment schedule of the loan and the date the final balance was cleared.

As the loan was taken out in 2007, and I don't have an agreement, can anyone advise if I have a chance on this and if the printout that HBOS sent me (after HBOS PPI desk said they had no data on the loan) would be adequate proof and if HBOS will then calculate the appropriate PPI figure from the loan?

Any advise would be grand, and if anyone took out ford Finance around 2007, please could you let me know what the PPI amount was per month?

Thanks

M

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So did you sar HBOS?

 

Should have a copy of the agreement?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX,

 

No I have not done a SAR yet - I emailed their loans department and they forwarded the payment schedule.

 

Do you think it is worth SAR? It's a 2007 loan agreement that was paid off so would they still have that info? Also do you know of any other way to identify how much the PPI Component was?

 

Best regards

Mal

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i would sar

we know they do hold info

 

 

numerous threads here of them finding info back to the 1990's

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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