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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PPI with Northern Rock


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Hi All

I am just writing to tell you about my experience with Northern Rock this evening whilst taking out a loan with them for £4000 following their reduced APR of 5.8% to go towards purchasing a new car.

Well the application went through without any problems - I do have a good credit history etc. However, here's the crunch -

I was seriously bullied into considering taking out the payment protection insurance despite on 4 separate occasions telling the Advisor that I didn't want it. I firstly confirmed that it was not a mandatory requirement to have the insurance but despite this I was extremely pressurised into considering it. If I had the insurance, my monthly repayments would have increased by a sum of £24.32.

I agree, PPI is a serious problem within the Financial Industry and something needs to be done to protect consumers. I was clearly bullied and pressurised into taking this insurance out even though I made it clear that I didn't want it. Had it not been for the good rate I would have told them to forget about my application.

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As with all Insurance you have a period of time that you can cancel (normally 30 days but check the T & C's), If you did take the PPI policy out with them I would suggest you phone them and get it cancelled, they cannot refuse to cancel it, simply they cannot make it a condition of getting a loan. I got the same rate as you have without the PPI.

I have taken out PPI with Paymentcare.co.uk at a far lower cost too.

 

I had similar experience with Northern Rock Recentley, but stuck to my guns that their PPI was not for me. The guy sort of dropped the issue of PPI when I told him I was already taking 2 Companies to court over Mis Selling of Expensive PPI.

 

The OFT & FSA are looking into the issue of the hard selling of PPI, but knowing them it will be many months if not years before they actually set new rules for for the selling of PPI.

 

That is also 1 Reason I agreed to the Interview etc for the Tonight with Trevor McDonald programme on PPI, Not to help my cases but simply to try and Highlight to the general Public the facts regarding the way and the high costs of these policies from the major lenders.

The Programme is being Screened on Friday 12th Jan 2007.

 

I had the Press office from Lloyds TSB on the phone today and he seemed to be crapping his pants for some reason..lol

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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And they say that there is no Hard Selling of PPI by these Companies..lol My Arze..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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