PPI prelim letter

[jimmyfloyd_uk]

Anyone have an example prelim letter for reclaiming PPI charges or point me to a thread/site which has one please.

[ukaviator]

Hi Jimmyfloyd

 

Have a read through this thread. There is a prelim letter a little way into the thread.

 

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

[jimmyfloyd_uk]

Thanks for your reply ukaviator.

 

Is this letter ok to use if i applied for my credit card online and the cc company cannot prove that i took out the ppi. I was employed when i took out the cc and mentioned this on the online form. All they say is i ticked a box but in the SAR and screenshots there's no mention that i had taken out PPI.

 

Would appreciate your advice.

[ukaviator]

If there is'nt a tick in the box then you should'nt be paying any PPI, unless it was agreed later on, after the account was opened. I would get a prelim letter in the post demanding all of your PPI back plus the interest charged, as you did'nt ask for it. The proof is there on your form.

[reidnet]

It would be up to them to provide documented evidence that you requested PPI, though even if they supply that evidence it in no way proves that the PPI was not Mis Sold

 

Ian

[jimmyfloyd_uk]

Thanks for your advice guys. Would you use the standard prelim letter for this? If so, is there anything i should particularly mention in it?

 

How long do these ppi claims normally take to reclaim?

[jimmyfloyd_uk]

How do i work out the interest to charge? Should i add up all the PPI payments and then add the interest on? Or

[hellhasnofury]

How do i work out the interest to charge? Should i add up all the PPI payments and then add the interest on? Or

 

Hiya Jimmy,

 

You need to put them on a spreadsheet, date taken, amount taken, and the spreadsheet will automatically work out the amount due from the date it was taken, in interest. You will find the spreadsheets under the bank template letter on the main page of the forum,

 

You can change the interest rate, from the statuatory rate of 8% to their contractual rate they charged you:D

 

Persnally I would go for the contractual rate.

 

If you need a hand shout:D

[jimmyfloyd_uk]

Thanks again hellhasnofury! I'm going to try out the spreadsheet now.

 

Regarding the pre-lim letter, ukaviator said i should use the standard prelim letter from the PPI notes thread. As my PPI policy was mis-sold, i.e. i didn't agree to it and they haven't provided any proof to say i did, should i mention these details in the pre-lim letter or just send the letter as it is?

[hellhasnofury]

Thanks again hellhasnofury! I'm going to try out the spreadsheet now.

 

Regarding the pre-lim letter, ukaviator said i should use the standard prelim letter from the PPI notes thread. As my PPI policy was mis-sold, i.e. i didn't agree to it and they haven't provided any proof to say i did, should i mention these details in the pre-lim letter or just send the letter as it is?

 

Hiya Jimmy,

 

It is entirely up to you which prelim letter you use and you can add whatever you wish to.

 

I found the template letter by reidnet excellent, but used my own because I found it useful to add all my arguements:D

[jimmyfloyd_uk]

reason i was asking was becuase i thought the credit card company might not take my letter seriously if it's too short, what do you think?

[hellhasnofury]

reason i was asking was becuase i thought the credit card company might not take my letter seriously if it's too short, what do you think?

 

Hello Jimmy,

 

Sometimes you have to go by your gut feeling, the template letter isexcellent, it's short and to the point, either send it or maybe amend it and add some points that you want to add:D Its your letter at the end of the day.

 

I know how you are feeling, do I, don't I, should I, shouldn't I. At the end of the day, you will know what to do. The letter you send will open up the neogiation table for discussion, arguement with the company:D

[reidnet]

Hi Jimmy,

The template letters I posted are simple letters which you can add any further information to before sending.

 

If there are issues in your claim that are not mentioned in the template letter, you can simply add these in.

 

Good Luck, and if you need help just shout..

 

Ian