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.

where did you get the claim form from? Mine were in the past ten years. I assume I took PPI if thats what they told me to. In those days I would sign anything without reading it.

I downloaded it from moneysavingexpert website. There's heaps of useful info on there.

I'd link but I'm on my phone.

Thanks, who did you send the form to? Back to Welcome or, the company that is dealing with their affairs?

Tomorrow I will ring the office up where I got the loans from and see if they will give me information over the phone. I know theres at least two.

I sent it to their head office, by recorded delivery.

Good luck, let me know if you need links or other info, I'll be on laptop tomorrow so can send stuff then

tequila that's exactly what I was told. They also told me it didn't matter if I only worked part time (less than 16 hours)

Iirc the forms came with a return envelope.

You don't need to prove they mis-sold it. They have money put aside for these claims.you are not losing anything by sending the form off.
You will get the refund plus interest.
Also, you can reclaim any charges, late £12 fees, or overlimit charges, again plus interest

I have just spoke to Welcome and, they cant give any details over the phone but they have told me to send a letter to their head office and they will beable to give me the details of my old accounts.

Lostboysfallin, how do you claim the late fees etc?

Brightness, good luck

tequila, I'm not 100% sure, we used a company to do ours, and paid the fee, which is not really recommended now. I'm sure there must be a form for that too. Maybe on that moneyexpert site?

Well, I just called another number and they were very nice. They are sending me a claim form. I have had 4 small loans with them, only coming to about £6,000. Im sure I wont get much back but, it all counts.

I just called Egg and apparently there is a 12 week resolution period that they need to reply to you in. They did not receive the copy of my marriage cert that I sent though (damn I knew I should have sent it by recorded delivery) so I have to send that again but the 12 week resolution period ends next Weds so hopefully I will have an answer soon. I am not expecting to receive anything to be honest but will go to the Ombudsman next.

I'll have a look lostboys, thank you.

Brightness, I think mine was for about the same and I got £2k back!

brightness good luck!

tequila that is a lovely amount of money.

my loan was only about £2000 so i'm not expecting much but it all helps.

goodness me!! What did you say on the form? that they told you it wouldnt go through unless you bought insurance?

Yes exactly that Brightness, and it wasn't a lie either!

I'm not sure whether all companies do this but, Welcome charged interest on top of the insurance premiums, so you get that back as well as a further 8% interest.

In actual fact, they first gave me £1k back (which I accepted), and then wrote to me out of the blue 6 months later saying they'd reviewed it and found they'd underpaid me so would I accept a further £1k? Erm, well, go on then

I've just called them to check what's going on with my claim and they said it's just being reviews and that I should hear from them within a week or two.

I still have an outstanding loan with them so I'm just hoping for enough to clear that off.

I've just called them to check what's going on with my claim and they said it's just being reviews and that I should hear from them within a week or two.

I still have an outstanding loan with them so I'm just hoping for enough to clear that off.

Does it include ovdrdraft protection fee?

A Barclays get got me all confused once which ended up in my unecesarrily paying a protection fee on my over draft for years.

Or is this JUST loans?

Whitetrash, I would say that's included too. Don't know for certain though

Whitetrash, if it's overdraft protection insurance, then yes.

I am currently just starting the process of claiming this back from Barclays after finding it on DH's account. It's been there since 1998 and he's never noticed it before

Please could anyone advise me, i have got a letter ready to send to my mortgage company requesting a copy of my credit agreement? would that be the correct way, i was made to pay a one off PPI in order to get the mortgage.

How would i go about asking for this back after they have sent this? could anyone link me to a template letter?
Thank you.

Jackie, the template I used is under section 3 here

www.moneysavingexpert.com/reclaim/ppi-loan-insurance%23step3

Thank you Tequilamockinbird

I claimed on my PPI. Gutted, as the amount I would have got back is mire than I claimed:-(

You can still make a complaint even if you've claimed on the insurance! The complaint is about being 'missold' the insurance so doesn't matter if you've claimed.

Worth a try, nothing ventured and all that