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I urge you all to look at PPI and any claim you can make.

(892 Posts)

You don't need one of these so called specialist firms to do it.

I have received an offer of £4221 from M&S in the post this morning.

All it took was a letter asking for my original signed application and then a claim form.

I started the process on 30th October and received my offer today for the cost of some paper and a couple of recorded delivery envelopes.

I am still waiting to hear from a couple of other lenders but what a fantastic start to the weekend.

Excellent - I have had a CC with them forever - since they changed from a charge card - I was a SAHM at the time - so if they were charging me it pointless!

Will print off forms on Monday and get them in the post - they have alink on their website abnd seem to be very transparent about it all!

Thank you - a couple of K's would come in very handy right now!! (Here's me hoping!)

Dalrymps Sat 14-Jan-12 15:43:42

Someone said you have to state the 'reason' you want to claim. What are the available reasons??

Yes dalrymps you do have to state a reason. PPI is a valid insurance so you have to tell them the reasons you think you didn't need it so it could be

you were self employed,
the tick to accept was front loaded
you were told to take it or you wouldn't get the loan etc

Lots of reasons.

The MSE forum has an entire section and is very useful.

Dalrymps Sat 14-Jan-12 16:21:47

Ah I see, thankssmile

Flisspaps Sat 14-Jan-12 17:39:50

bright I've emailed them with my personal details as I have no info on the loan, and roughly when I took it out and how much for and the office I signed the forms at, I'd theres no joy I'll ask for a SAR - there must be loads of people who've claimed money back without having the loan details any more so will see what they say.

My loan was taken out 10 years ago but Welcome put by £20m to pay out PPI claims from BEFORE Jan 2005 so they clearly expect a large number of claims on old/closed accounts!

balia Sat 14-Jan-12 18:03:30

So - how do I work out if I was even paying PPI on Credit cards, mortgage etc? Where would it say - on statements and stuff?

yes, as part of your balance so it should be something like

b/f £blah
interest £blah
PPI or whatever terminology the call it as different lenders call it different things
total balance.

mumatron Sat 14-Jan-12 18:16:42

fliss I'm in the process of claiming money back from Welcome finance. Have you been on their website?

There is a link to the fcsc website. I emailed them with my name and address and they emailed me back my loan info. They sent me a claim form and I'm now waiting to hear back.

I sent the form off the week before christmas so hoipefully should hear from them soon.

MaureenMLove Sat 14-Jan-12 19:21:40

Thank you OP, for starting this thread. smile

I haven't bothered trying to check mine in the past, as once my debts were paid, I got rid of the paperwork. (Kinda cleansing, when you can see the light, iykwim!)

I will now though, as I can see it's worth a go, even without account details.

I've nothing to lose.

Thanks again. smile

Hi, i have the template letter ready to send to my mortgage comp requesting my account details.

Please could you tell me how i can get a template letter to send after that? im sure i have ppi charges, not sure how this works?

Thanks

AngryFeet Sun 15-Jan-12 09:45:05

I put a claim through in ealry Nov then received a letter at the end of Nov asking for a copy of my marriage cert within 7 days which I sent off immediately. Haven't heard from them since then (Egg Banking), should I chase them?

Flisspaps Sun 15-Jan-12 09:47:57

mumatron FSCS are only dealing with post-Jan 2005 claims from Welcome, for anything before that you have to contact Welcome directly (as per the info on the FSCS site) smile

Portofino Sun 15-Jan-12 09:51:27

i am going to have a look at this. We moved abroad 5 years ago and I still pay PPI on my UK credit card - it never occurred to me until recently that the insurance is invalid as I am not a UK resident. Not sure if I have a case - but at least I can stop paying it.

mumatron Sun 15-Jan-12 10:09:37

Sorry fliss missed the dates part of your post. WF are a massive pita to deal with at the best of times.

mumatron Sun 15-Jan-12 10:09:37

Sorry fliss missed the dates part of your post. WF are a massive pita to deal with at the best of times.

DarklyDreaming Sun 15-Jan-12 11:16:17

I've had quite a few loans and credit cards over the last few years but can't see any listing for PPI on any of my statements, just general interest. Is it possible that I've been paying it anyway?

I'm pretty sure that the loans and mortgage didn't include any - I remember being asked if I wanted it when I took these out but said no - but I don't remember the subject ever coming up with credit cards.

Hathall Sun 15-Jan-12 11:23:10

My dh was mis sold ppi. He has all the paperwork but this was in around 2000. It would be for quite a lot and was with Direct Line who don't do loans any more.

I wonder if its worth trying? Any suggestions?

If you are sure it was mis sold then yes give it a try.

luckylavender Sun 15-Jan-12 11:33:12

Well I had no idea whether I was eligible or not so I used the Money Savings Template and sent it to my bank. They sent me a form and I filled it in and I got £131. Not a fortune but money I would not otherwise have had. I urge you all to try.

Hathall Sun 15-Jan-12 12:06:52

He was definitely mis sold it as he was told that he wouldn't qualify for the loan otherwise and was made to take it up. Not sure who to send the claim to as Direct Line say to contact RBS on their website for loans.

BrightnessFalls Sun 15-Jan-12 15:47:14

I just wish I could remember when my load with Welcome was!! I know there were two. This is a great thread. Im off to check my credit card statements now smile

marmiteandjam Sun 15-Jan-12 16:00:18

Did it for ex-husband and got over £3000 from HSBC. Took a couple of months and about 6 letters.

ginmakesitallok Sun 15-Jan-12 16:09:17

I've been considering complaining about our PPI which we had with our mortgage for years (I cancelled it last year) I think we were told it was compulsory (but no evidence to prove this), DP was on a fixed term contract so I don't think he would have been covered by it and I work in public sector - so have good redundancy/sickness cover. Anyone know if I'd have a case? Can you claim for repaid mortgages?

BrightnessFalls Sun 15-Jan-12 16:23:28

I reckon it must be hard to prove that it was missold?

mumatron Sun 15-Jan-12 18:03:09

brightmess call or email them. I wasn't sure of my details and they replied to my email the next day.

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