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

(889 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.

Trustdeeds Sun 06-Jan-13 15:29:49

SH05GVY

Just found this site and noticed your November 24th post re Black Horse. I too recently received a letter stating that Black Horse had upheld my PPI complaint. Have you received payment from them yet? I posted the acceptance letter mid December but still no cheque.

FannyFifer Sun 06-Jan-13 15:42:04

I got my previous mortgage through a broker, pretty certain was told we had to take out PPI as a condition of getting mortgage approval.
Anyone know would my claim be against broker or Mortgage company?

Dawncass33 Tue 08-Jan-13 19:40:19

Hi I have written to my credit card company(Barclaycard) who have told me that they don't believe I was miss sold ppi as when I took out the policy I filled out an application and ticked a box for the ppi so told me to write to the ombudsman! What can I write on the form which suggests I was miss sold ppi? I told them that there was not enough information about what ppi was!
I keep thinking maybe I should have gone to a company to claim it back for me!!

lisad123everybodydancenow Tue 08-Jan-13 23:04:19

Message withdrawn at poster's request.

Dawncass33 Wed 09-Jan-13 07:25:18

When I applied for the credit card it was an application form which I filled in and I ticked the box for the PPI, I didn't really understand what the PPI was or how much it would cost and believed if I didn't tick for it they may turn my application down!
I have received a form from the FO to fill in but I feel I may be wasting my time?
Many thanks Lisad123 for advice

BettySuarez Wed 09-Jan-13 20:17:33

Can anyone help?

We are investigating whether we are due a refund of PPI

The problem is, we have no idea whether we have actually been charged it.

We would have never knowingly signed up for it but I have heard of a few people who were sold it without their knowledge.

So how do we find out whether or not we have been sold it without our knowledge?

I have downloaded our credit report from Equifax and there are a number of loans on there which have now all been settled. Plus one current credit card and our mortgage account.

So do we need to ask for a copy of our T&C's first and work out ourselves whether we have been charged it?

Or can we contact the companies directly and ask them to check for us?

lisad123everybodydancenow Wed 09-Jan-13 20:29:37

Message withdrawn at poster's request.

BettySuarez Wed 09-Jan-13 20:37:13

thankyou lisad so can I just call them and ask over the phone or do I need to do the SAR letter template with a £1 payment (£10 if account closed)?

lisad123everybodydancenow Thu 10-Jan-13 08:24:43

Message withdrawn at poster's request.

MissDD1971 Sat 12-Jan-13 15:54:49

Have been eyeing this thread with interest for a while now.

Have about 4 old loans with Lloyds TSB, credit cards with Egg and a couple of others (forget names) and currently in long and painful process of sorting them out.

Have sent letters to them all, got 'Clarification of Account number' letter from Egg (Barclays) nothing else apart from confirmation we're dealing with it letters from others.

Apart from Lloyds!!! A man rang last week at my home phone number spoke to other half who was working from home that day, wouldn't give ANY DETAILS as to what it was about. I was worried it was fraud call originally, went into bank etc and heard nothing until later on that day man rang on mobile on my way home from work, I spoke to him at home..... but he wanted DOB and full name before he'd even reveal where he was calling from. After that he was like a dog with a bone, asking LOADS of questions as to why/what/where I'd taken out PPI. I felt positively bullied. I said that one loan I'd been temping (so self employed), the other company I'd worked for for 6 years had full sick pay policy.

And honestly I never remembered signing anything. I remember a conversation years ago with LTSB where they mentioned PPI and said 'you should take it out, you need to, what if you're longterm sick?' and another where someone told me 'you won't get loan if you don't take it out'.

what's even more galling is my most recent loan - 2009/2010 I think it was actually added on WITHOUT my knowledge/consent - I had started a new job but even then, it paid full sick pay etc!!! so why would I need PPI?!

any chances do you think? opinions?

AnuvvaMuvva Sat 19-Jan-13 10:48:00

Greggssausageroll: just to say a huge thank you for starting this thread! It's the only thing that ever made me check if I had a PPI claim and get off my arse. Just got a letter from HSBC this morning offering me £817! It's money we really need, from a loan I took out back in the 1990s!

Only took one phone call and one stamp.

Thank you! I can take the kids on holiday! Or just fix the leaky roof.

SH05GVY Sat 19-Jan-13 23:50:30

Have returned from being abroad for the New Year to receive cheques from Blackhorse (Loan) and Lloyds(CC).
Good start to 2013 wine smile

suzieanna Fri 25-Jan-13 16:32:39

Hello everybody. I am a new person here. I have read the thread but am suffering from information overload! Hopefully someone will be kind enough to let me know if I am onto a loser in trying to claim on a PPI

Basically, I took out a mortgage with Midland Bank in 1996. I was told I had to take out payment protection as a condition of the loan. I was a single mum of a a 6 month old baby and the adviser took great pains to explain to me about the importance of keeping a roof over my daughters head if I got sick or dropped dead etc..................

My argument is that I had been employed as a civil servant for 8 years before this application (so was in secure employment with good sick benefits, death in service provision etc). I am still a civil servant 17 years later!

Also, even if I had been "sacked" from my job any state benefits would have worked out more than what I actually had after I had paid a childminder, so regardless of the security of my employment I feel I should not have been forced to take this out at all. Was I mis-sold? What do all you wonderful people think?

anotheryearolder Fri 25-Jan-13 22:13:16

Greggs Thank you from me for starting this brilliant thread !

Have just received an offer for £2000 from Egg - I filled in one form and it cost me a stamp .
So chuffed grin

lgys15653 Sat 26-Jan-13 22:42:30

hi can anyone help we have had a offer, but we think we paid more in ppi, do we take there offer or can we refuse it? plus they offered us £50 as compensation, £50 for having our money for 9 years. tks for any help you can give

sohappy12 Mon 28-Jan-13 21:32:06

I have joined this group for one reason and one reason only, to say a massive THANK YOU to all who have contributed in the above thread. After reading everyones comments of how they went about claiming I decided to give it a whirl. I am pleased to share that after sending out two letters on 10/11/2012 to HSBC and Egg Loans and making one phone call to to enquire if my old Marbles Card had PPI on it on the same day. I have sucessfully claimed back the fantastic amount of £9706.54. the final claim was paid into my account last week. I can't believe how easy it was and how quickly it was sorted out. Thanks so much for giving me the kick to start my own PPI claims. This has had a massive impact on my finances as I have been on a debt management plan since 2006 which takes any free money I have from my wage each month to cover outstanding debt. This ppi money will now clear almost all of what I owe and mean that I will be debt free in April this year for the first time in approx 9 years. It is like a huge weight has been lifted and to think I almost used a ppi reclaim company and could of lost approx 20% of the amount claimed. I'm now going to try and reclaim the ppi from Mothercare and BHS, any money from these will be mine yipeeeee! Thanks again everyone and good luck with all your claims :-)

MissDD1971 Thu 31-Jan-13 13:33:08

I would like to say a huge THANK YOU too to the person who first started this thread and any contributers.

I've had a few Lloyds TSB Loans and will update tomorrow but got awarded yesterday almost £10K from Lloyds to do with PPI! Wow! :-) To be honest they're still quibbling over 2 other loans which had PPI on them, unsure whether to take money and run or not with them! Capital One are being complete and utter swines, just giving a general here's £70 or so when I KNOW I had credit card with them for a few years no balance now and even if I just did pay off minimum and didn't clear balance until I came into money then they should still pay me for the PPI!

I remembered a Next Directory account - am SURE this has had PPI added to it, so another letter/phone call to add to the list.

I have a nice folder now, just need to get back and reply to various companies as it's like a 2nd job LOL.

Anyway thanks so much as with very little effort I too got my payout from Lloyds (who I'd heard were hardest to get a bean out of!) and even though may challenge (keep reading tomorrow) it will clear my outstanding loan with the swines!!!

Babybeargrylls Thu 31-Jan-13 13:38:51

sorry to ask a silly question but what if you can't remember whether you had a loan or card? I honestly can't remember all of them from years ago. is there a place/person/website who would know?? Credit Expert sites??

GlasgowMick Thu 31-Jan-13 16:22:26

Hi everyone,
I have found a PPi policy document for a loan I had with Welcome finance which says I pain 150 per month PPI...however after about 30months I lost my job and defaulted on the loan.
Does anyone know if I can still claim back the PPI paid??

Many thanks

preggersbycheggers Sun 03-Feb-13 14:46:56

It really is worth spending time doing this.

I have just had a cheque for £2.6k!! I'm utterly thrilled.

Just the taxman to have his share and the rest is our families to do some more work to our home.

Good luck all.

Ses808 Mon 04-Feb-13 21:38:42

Hi, I have recently had two refusals, one from Halifax and one from nationwide both claiming that we had all the relevant info to explain what ppi was and that we were eligible for it and that it wasn't compulsory for the mortgage to be accepted.
I am presuming these are pretty generic letters but how do I respond and with what reasons to contradict what they are saying??

Rubidu Tue 05-Feb-13 11:31:06

Yes Ses808 I'm in the same position as you .... my refusal was from Intelligent Finance which is part of Halifax. I'm not sure how to proceed either - can anyone help?

suzieanna Tue 05-Feb-13 12:51:29

Hi Ses808 and Rubidu

I think your next step could be the Ombudsman. I am at a loss as to why they think you would take out PPI if it was not compulsory in your case, if your circumstances meant that you could not or would not claim against it anyway. I am still waiting to hear anything at all from my bank. Kind of losing faith now

Shakey1500 Tue 05-Feb-13 19:30:01

Agree with handing it over to the Ombudsman asap. There is a substantial backlog though. My cases have been with the Ombudsman since May 2012.

lisad123everybodydancenow Sun 10-Feb-13 20:15:04

Message withdrawn at poster's request.

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