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JibTeenuc

PPI - have I missed the boat?

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Posted (edited)

I started looking into PPI mis-selling instances within my affairs, just over a year ago and was fortunate to have a claim accepted and received financial redress.

 

Unfortunately, I was unable to pursue any more claims as have been somewhat "in the wars" since then, having suffered a couple of strokes which have obliged me to take involuntary early semi-retirement. In addition, we have been under the cloud of threatened eviction, since November of last year and have only just secured alternative accommodation. But I am still unable to work and (in my sixties) there does not appear to be a solution to that, on the horizon. But, having obtained somewhere to live, I have time to look at PPI matters again yet wonder "Am I too late?" or should I consider employing a PPI recovery agency, perhaps?

 

I have a closed account with Barclaycard and a couple of old repaid Barclayloan agreements as well a paid-up NatWest mortgage and a closed NatWest Mastercard plus a repaid Black Horse loan and a couple of other repaid loans from smaller Personal Loans companies with whom I purchased cars, in my past and a closed TSB Visa from many years ago. I also have an old Life Insurance policy which I have had to terminate as am unable to maintain the payments and I seem to recall PPI might have been part of that agreement. Surely I don't have time, now, to pursue all those. Or can someone perhaps help and inspire me?

 

Many thanks in advance for any help or advice.

 

Edited by JibTeenuc

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The ppi deadline is 29th of August.

frankly I don't think it makes any difference if you do it yourself or you use an agency except that if you use an agency then you will pay a lot of money from anything which you recover.

my suggestion is that you contact every possible lender you have ever dealt with or bank and write them a letter and claim PPI.

even if you are not completely certain that PPI was paid, write the letter and tell them that you believe that PPI was paid and that you want it reclaimed. This should bring you into the 29th of August deadline and then you can start dealing with it in a more careful and methodical way and of course we will be very pleased to help you.

make sure you put everything in writing and make sure that you send everything signed for post so that you have a clear record that the claim was delivered before the deadline.

if you make any phone calls then make sure that you have first of all read our customer services guide and implemented the advice there but the best thing to do is to get everything off in writing.

 

 

 

 

 

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Thank you for such a swift and helpful response.

 

Please can you direct me to a template letter, if such exists, which I may doctor to suit my initial letter of claim to each service provider, in order that I might beat the 29th deadline?

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forget writing

pop up onto each lenders webportal

they all have a PPI link

start the claims there

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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