To wish I wasn't so tight with money and had taken out PPI with everything?

[ssd]

I could do with a nice wee windfall, we're all desperate for a holiday, a wee claim would go down very nice just now

but no, I'm so tight and careful I take out no extra's

thought I was being good, but maybe its my downfall............

Being good is a lot of people's downfall.

Even if you had taken it out though, you probably wouldn't be on holiday now, any payout is dependant on whether it was mis-sold or not.

Ha! I know - I've not got any CCs from that period, but my husband has. I keep asking him to check his old statements, but the chances if him being mid-sold anything are depressingly low.

PPI isn't a windfall.

If you were sold it correctly, you'll get nothing.

If it was missold, you get back what you paid in. So how much less would you have liked to live on in the last few year? And of course you can create this effect yourself, at any time, by opening a savings account and paying in the equivalent of the level of PPI contribution you wish you had paid. Then in a few years time, you will have a "windfall" lump sum.

All the adverts make it sound as though you get something marvellous, but IF it was mis-sold you only get back what you paid out.

Minus the x% fee that you pay the charlatans helpful legal team who filed you claim. Guess who are the only people really making any money out of this and going on cruises? (small clue - they can afford to spend thousands on TV advertising).

If you are in this situation you can file your claim yourself and avoid paying any fees

I wonder when we will see the first claim for mis-selling of the mis-selling

I've had a letter about an old loan I had PPI on but haven't done anything about it.

As far as I know it wasn't mis-sold, but how would they be able to tell anyway (apart from the stuff which they can check like how many hours you were working)? Tbh I can't remember exactly what was said in the conversation or in the details of the paperwork (it was a long time ago).

I'd like the £3500 pounds compensation for the accident I apparently had. I keep getting text messages reminding me that I haven't claimed it yet.

Sadly I don't think I'd actually get very far with trying to claim it though. mainly due to the lack of accident.

I did take out PPI on a loan some years ago. But I doubt that I can claim I was mis-sold it. I was given the option and I opted to take it. Probably the wrong choice on my part, but that doesn't constitute mis-selling does it?

I think they view it as mis-sold if you would have been unable to claim on the policy because you did not fulfil the original conditions e.g. it was a policy for employees and you were (at the time) a self-employed person.

If you can get a free interview (with one of those lawyers) it's worth a few minutes of conversation.

YANBU

I am FURIOUS with myself for not forseeing this brou-ha-ha when I had a million storecard when I was a student. I could be rolling around in fifty pound notes now like Scrooge McDuck.

I might try and trip over something that's someone else's fault and see if that bloke off The Bill will give me some money for my "back injury".

Mishy1234 If you didn't know you were being sold it (some loans that were taken out online had a pre-filled tick box to say you wanted it, which you had to untick to remove the PPI - this happened to me and I got £200 back) or you were told it was compulsory (it shouldn't be compulsory) then you'd have a claim.

The form to claim just asks for:
Details of your loan/PPI (eg account number if you had it, who it was with)
Your employment status at the time
If you'd have had alternative ways of making payments if you were off work sick or similar (you might have been able to pay from SSP or have savings or be able to borrow money from parents to make the payments for example) - to my knowledge they don't check how many hours you worked at the time or anything.
Why you think it was mis-sold (eg you were told you HAD to have it)

If you are going to claim then don't go through one of those firms, download the form from here and post it off yourself. That's all I did and I wasn't sure if I had been sold PPI (but if I had, I didn't want it!) - turns out I had, and that's when they offered me my £200 back. Have another two claims in for other products now.

i fely exactly the same when all the building societys merged or became banks,

got bugger all (nationwide)

carpetbagging they used to call it when you opened a account in the hope that they would get taken over and you would get ££££££££££££££ for voting for it

also the PPI thing

felt