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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.

bunchamunchycrunchycarrots Tue 12-Feb-13 13:56:55

I've just phd up RBS and the Co-op to claim for my PPI. Feeling strangely optimistic. I've only got it on 2 credit cards, which I've had for 12 years each. Been told it should be resolved by April (ha!). We shall see... smile

Gracelo Wed 13-Feb-13 14:42:04

I have used Nationwide's online form to ask for details of a mortgage PPI I had between 2002 and 2006. I can't find the paperwork for it. Has anybody else used this form and how long did it take for Nationwide to reply? Thanks.

Tiks Wed 13-Feb-13 17:51:40

I've had a marbles credit card for about 8 years, recently found out have ppi on it which didn't know I had, would I be able to claim it back ? Or is it too old ?

Ses808 Fri 15-Feb-13 19:15:31

Gracelo, I used the form as well, response was very quick but I got a no from them. Have since written again.

notforthefainthearted Fri 15-Feb-13 19:42:47

How far back can you claim? I don't know if we took PPI insurance, need to get all the mortgage paperwork out to check. Also what counts as missold?

ginmakesitallok Sat 16-Feb-13 20:05:34

Been thinking about claiming for a while now, what do you think our chances are? Took out PPI with our mortgage (Halifax) in 2003. At time do was on a fixed term contract, so don't think it would have paid out? And I was covered through employer for sickness etc. Moved house in 2008, new mortgage with Halifax, still got PPI, but now both of us covered by employer policies. By my reckoning we've paid over £8000 inpremiums which were useless? Any examples of similar situation where claim was successful?

Bladerunner2 Wed 20-Feb-13 14:56:43

I have been pursuing a claim with Barclays for PPI - have received a letter today saying they uphold my complaint but are paying nothing because I have not paid any premiums? any advice?

lisad123everybodydancenow Wed 20-Feb-13 19:22:02

Message withdrawn at poster's request.

Thank you so much for this thread - I put a claim in to HSBC just before Christmas (they actually sent me a letter saying that I may have been missold PPI on my loan, and included a form to complete and send back to them!), and I received a letter yesterday offering me just shy of £17K!

Life-changing. For the first time in my adult life, I can be totally debt-free, and actually have some savings and treats for the family. All for filling a pre-typed form in!

lisad123everybodydancenow Thu 21-Feb-13 22:55:43

Message withdrawn at poster's request.

Gracelo Fri 22-Feb-13 08:31:36

Thanks for your reply Ses808. I got a letter from them since I posted my question as well. I have now submitted my complaint. How long did it take Nationwide to respond to your complaint and what are their reasons for rejecting it?

YNK Fri 22-Feb-13 08:34:53

My claim has gone to the ombudsman - they are so helpful I wish I had done it sooner!

I've applied to Nationwide and they have said a decision should be made by the beginning of April.

I had someone from the Nationwide phone me up last week to clarify my employment details and sick cover (I get up to 6 months full pay).

I'm worried they are going to say that I knew what I was signing up to, when the actual truth is that the lady lied to me. An outright lie. Something I would never expect the Nationwide to do as I always thought they were trustworthy. She actually said "That's not insurance for you, that's to cover the Nationwide" as I had explained to her that I had plenty of financial support should I fall ill or die. I didn't even know I had PPI until I spotted it on my online mortgage statement this year - I smugly thought I hadn't been stupid enough to take it out. Turns out I hadn't been stupid enough to take it out but had been stupid enough to get conned by a representative of a company I thought I could trust.

I will definitely be taking it to the ombudsman if they say no, and moving all my mortgages/accounts when I move house.

Gracelo Fri 22-Feb-13 09:28:52

Worldgonecrazy I can't' remember in detail what I was told but I do remember that I came out of the phone call thinking that I need to take PPI or I wouldn't get a mortgage at all because I was a first time buyer and because I'm forrin. I didn't really question it, I just thought this is how it is, having no experience with buying property in the UK (or anywhere else).
I'm on my second mortgage with Nationwide now and I had PPI for this one too. I will put a complaint about the second one as well but this one might be a bit more tricky to challenge. I can't even remember buying it, I think it just sort of "carried on" from the first.

Bladerunner2 Sat 23-Feb-13 18:06:19

Hi Lisa.... I can't say if I paid since BC wont give me any proper statements to check - They just say that they uphold my complaint but as I haven't paid any premiums ( how do they know? ) I am not entitled to a refund

lovelytoes Sat 23-Feb-13 21:38:24

What happens when you have had ppi's but in joint names with ex.can i still claim on my own?

Shakey1500 Sat 02-Mar-13 23:41:50

lovelytoes I think there was another poster somewhere on this thread who had a joint claim (couldn't tell you what page though!)

Mooshbag Sun 03-Mar-13 00:03:52

My OD has been higher than my monthly income for months and I've been stressing about my loan. The bank have been calling me to discuss my financial situation.

I called Lloyds mid Jan, and have just received £4.5k. Whoop. Whoop.

When I called to pay off my loan, the lady asked me if I wanted another one. NO I FUCKING DON'T. It will be so nice to be debt free and be in the black on bloody pay day. It covers my debts with nothing to spare after tax, but it is such a huge relief.

Good luck everyone. DP is managing to cover all his debts too with his refund which should give us about £1k extra a month extra. We have been struggling for soooooo long.

daxydynamo Sun 03-Mar-13 16:30:53

Hi all, I had a loan in the past with Abbey National, but they are now santander. Will they have any records of the loan I had? I have no information at all about the loan I had at the time. Do you think I have a chance? seem to remember the monthly payments jumping from what they should have been and cant helpbut think that was ppi????

ForbesDouglas Thu 21-Mar-13 13:55:30

Santander should definitely have records of your Abbey National loan IF the loan was settled within the past 6 years (they are obliged to keep records for a minimum 6 years).

If your loan settled more than 6 years ago it's possible they may still have your records. You can send a Subject Access Request with a £10 cheque and ask for copies of your Credit Agreement(s) and statements. Give them as much info as possible to help them identify your records:

* Full Name (including other names you may have used at the time)
* Date of birth
* Any addresses (now and at time of loan)
* Name of any joint borrower
* Any account numbers you can recall

You might also try asking Equifax for a copy of your Statutory Credit Report which costs £2 and will list any credit cards or loans you've had for at least the past 6 years. You might find other credit which may have had PPI.

Your Abbey National monthly loan payments increasing part way through the loan term is more likely due to interest rate changes - PPI is usually added at the very beginning. But don't let that put you off as it's still highly possible you had PPI.

Good luck!

Shakey1500 Fri 29-Mar-13 05:56:01

Had a letter from FO apologising that it's taking so long to deal with claim (generic) It's been 11months with them. Hoping that good things come to those who wait...

bubbakin Sat 30-Mar-13 16:59:47

I've heard back from mbna credit card who have said I had/have ppi on account & asking for further info which I've sent off. However, looked on statement & doesn't show ppi anywhere. The card was taken out in 98 & I genuinely can't remember ever seeing ppi on a statement, I was in finance industry at time & quite savvy to these policies. Do you think they've made an error or have you heard of this before & what was outcome? Can't help get a little excited but all a bit miffed!

jojod1980 Sun 07-Apr-13 14:01:50

Hi guys, I currently have a claim submitted with Welcome. My loan was for 13,000 and it ran for 10 years. It has recently finished with no arrears etc i don't have the original paperwork just wondering if anyone has any ideas of what I can expect to get they have advised that it's now in the final stages awaiting sign-off.. They have until next Friday re the 8 weeks. Any advise would be appreciated!! :-)

bubbakin Mon 08-Apr-13 22:40:10

Looking through this thread I would say you'll be in for a decent amount as it seems to be the interest refunded that bulks up refund, so as you had it for 10 years.......that's assuming the same principle applies to ppi on loans as it does to credit card ppi. Fingers crossed for you x

powderfreak Sun 12-May-13 20:58:59

Anyone actively had a letter from bank saying they MAY have been mis sold ppi?

I have had a letter from mbna asking me to fill out a questionaire and return it.

I am self employed working 15 hr a week and have been sunce taking card out in 2006?

Is it worth a go, given bank have contacted me?

Thx

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