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

[gregssausageroll]

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.

glittershoes Sounds like it could be PPI if it's for insurance. You need to download this consumer questionnaire, complete it with as much detail as you can, and then send it in to whoever you had the credit card with.

thank you OP, have submitted a claim and am waiting to hear back

Barclaycard have turned me down! they said that there is no evidence to say they didn't discuss ppi with me, I asked if they could prove it did! They said they don't have to prove it
Will take it further. I was 18 with loads of health problems they didn't ask about ect.

Have spoken to Welcome this morning - they need my marriage certificate which I have faxed over so I am hoping our claim is nearly processed.

flisspaps - my Welcome loan is from 2002 - I contacted Welcome Customer Complaints department and they processed my claim.

Voidka I've been shifted from department to department by Welcome, each one as unhelpful as the last I am now waiting to hear from the Customer Complaints Department.

I originally emailed them to tell them my loan was pre 2005 and details of when and where it was taken out and the reference number I had for it, they asked for copies of my marriage certificate and change of address as I had married and moved since the loan was taken out, then them wrote to say they had no record of me and could I send them details of when the loan was taken out and any proof of name change and change of address, I replied to tell them they'd already had that info and then they emailed me to say 'Oh, loans from before 2005 were taken over by another department, you need to contact them'. Which I have done, but I've also told them that if they don't sort it out within 8 weeks of my original email then I'll be in touch with the Ombudsman as they should have told me straight away that pre-2005 loans were dealt with by another office instead of arsing me about for weeks first.

Lisa, there is a standard letter to the Financial Ombudsman Service for rejected claims on MSE. I'd link but am on rubbish phone.

well, DH just had the of his life... opened the mail and got an offer from Santander for........ £7,000

What was that from?

Has anyone claimed from ppi from a mortgage?

Almost certain me and ex were told we couldn't have mortgage without it. This was in 02 but remortgaged and cleared in early 06. Was with bank of Scotland.

Is this worth pursuing?

yup, ours was a mortgage. It was Santander

:o ilovemydog. Result!

Thanks Ilove.

How does a joint claim work if you are no longer together?

Ex is happy for me to pursue it but how will they refund etc?

I don't know, but most banks have a dedicated PPI team and am sure that you're not alone in claiming for a mortgage under joint names but not together anymore.

Im sure we were told the same about our mortgage. Keep meaning to check suppose got nothing to loose if they say no.

Do it! Am thinking of it as my own banker's bonus

A few years back, we got loads of money back for our endowment policy being mis- sold(not PPI) by pursuing it ourselves rather than through a "claim agency".
Not sure if it is too late to do it now but if you have an old endowment policy it might be worth looking into

ilove that is amazing. What are you going to do with it?

A nice treat I hope?

That's interesting shew - My parents had an endowment mortgage and are being asked to pay a lump sum next year.

Also, marking place though don't think we've ever had PPI on anything

Money saving expert gave advice out a few years ago. Worth checking. We got £5000 and friends also got a lot.
They had letters to virtually copy, basically saying that the mortgage lender didn't advise you that the investments could go down as well as up and that the endowment might not be enough to fully pay off the mortgage when it ended. i had already changed it to a repayment mortgage so that wasn't an obstacle.
I have a feeling there might have been a time limit to claim though.

We didn't have ppi but were told we couldn't have mortgage without life cover, is that the same??

Nice letter from MINT!! £1280!!!! That included all I paid plus intrest plus the fact it took me over my limit so many times, plus intrest on that!! It's only a £500 cc

So if I had a mortgage with HSBC from 1994 to last year, there is a possibility I was charged for PPI? In which case, can someone tell me what documents I need to find to check whether I did pay for it? Is it something that they added on for pretty much everyone, or would I probably have known about it if they did?

I would just ring and ask, they can't lie to you.

The mis sold endowment policy claims were totally separate to the ppi claims that this thread is talking about. I think you may have missed the boat if your endowment wasn't enough to fully pay off your mortgage. This was the big thing a few years ago. I think you legally had to be informed if there was going to possibly be a shortfall and then you could claim that you hadn't been told that this may have been a possibility and that you had been guaranteed it would cover your mortgage. Not sure but I think there was a time limit from them informing you.

I seem to have muddied the waters as it is different to PPI. Worth checking though JUGGLING.

Similar though isn't it shew - and if there's any chance of getting money back for bad practice ...