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Original poster

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

906 replies

gregssausageroll · 14/01/2012 09:04

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.

OP posts:
doblet · 16/01/2012 17:04

You are right Tequila - will give it a go

Tequilamockinbird · 16/01/2012 17:20

Good luck doblet, please let us know what happens Smile

Original poster
gregssausageroll · 16/01/2012 17:48

tequilla, if you have the account number just complete the claim form and send it off.....you don't need your credit agreement.

OP posts:
Tequilamockinbird · 16/01/2012 18:32

I think you mean Jackie gregs Grin

But yeah, I agree, you don't need the agreement, I didn't have mine or the account number! I filled the claim form in the best I could and they did the rest

BrightnessFalls · 18/01/2012 16:00

Has anyone heard anything yet? I'm waiting for my form to come through.

Original poster
gregssausageroll · 18/01/2012 16:07

what form brightness?

OP posts:
ENormaSnob · 18/01/2012 16:34

I think I had ppi on the first mortgage I had in 2002, would it be worth looking or am I too late?

Only problem is it was a joint mortgage with ex so would we have to claim jointly?

Also sure that dh had it on a car loan years ago but can't find any details of which company the loan was with, any idea how we can find out?

Thanks for any replies.

Knowing my luck, we will owe them money!

BrightnessFalls · 18/01/2012 16:41

I guess if you were paying it on standing order your bank would beable to tell you?

Im waiting for the form from Welcome Finance, they were very helpful but, Im impatient to get it off by the weekend!! Which is ironic as, before this thread, I would never have thought about claiming.

Original poster
gregssausageroll · 18/01/2012 16:59

Just download the form from the mse forum. It is the same for every lender.

OP posts:
Tequilamockinbird · 18/01/2012 19:23

Just remembered today that I had Car Finance in 2006 and not sure if there was any PPI on it or not, so I've sent a letter off to them asking for a copy of the agreement Smile

Tequilamockinbird · 18/01/2012 19:24

Oh, and brightness, the form they send you will more than likely be the same one that's on MSE. Just download it, fill it in and send it off.

I'm sure Welcome won't be in too much of a hurry to send you the form out Wink

BrightnessFalls · 18/01/2012 19:33

You know those companies that call and send texts saying you are entitled to claim for PPI? They keep texting £2,750. Is this just a random number? How do they know that?

Tequilamockinbird · 18/01/2012 20:13

It's random, I get them too.

Ignore them and do it yourself, it really is so easy - not worth paying them to do it.

MaureenMLove · 19/01/2012 18:01

Thanks to you OP, I put two letters in the post today. I may get nothing, but hey, as lots of people have said, it's worth a go!

Thanks again.Smile

BrightnessFalls · 19/01/2012 19:23

I have tomorrow off and I'm going to get my paperwork done and posted

chipmunksex · 19/01/2012 20:10

We're still waiting with our fingers crossed for ppi refund from Northern rock.

I keep telling dh to not think about about it and stop fretting, but secretly I'm dreaming of ways to spend it. Hmm Blush

thisisyesterday · 19/01/2012 20:15

Can someone explain this in child-terms for me?

we have PPI on our mortgage. how would I know if it was mis-sold?
does it only count if they slipped it in without you knowing? or could we potentially have taken out PPI but paid too mcuh or something?

BrightShinySun · 19/01/2012 20:33

Hi, does anyone know what address I should be using to write to Welcome Finance? I had a loan that started in 2003, I'm not convinced I'll get anything but it can't hurt to write and find out. Has anyone written to one of their addresses and got a reply? Has anyone managed to successfully claim back anything pre 2005?

Thanks in advance Smile

watfordmummy · 19/01/2012 20:51

what i don't understand is that if you had PPI and knew it, which most people do. How can you claim the money back?

WinterIsComing · 19/01/2012 20:57

My claim form has arrived. The person on the phone claimed not to be able to trace it until I suggested that the information must be held somewhere on their accounts. HMRC must have records etc Then lo and behold it was found Hmm

I had an interest-only mortgage in the nineties which I obviously had to have a fully-comp endowment with to pay off the balance. I'm going to say that if PPI was included it was unnecessary for that reason. Nor did I ask for it. Hope that's a valid reason.

DonkeyTeapot · 19/01/2012 21:03

Watford even if you knew they were charging you PPI, you can still claim if, for example, they told you it was colmpulsory, or that your application would be rejected if you didn't take it.

I'm going to put in an application to Egg as I'm sure they told me I had to have it.

Shame my Barclaycard was too long ago, I'd love to claw some back from those thieving bastards!

watfordmummy · 19/01/2012 21:13

ah, I had loans but they were way back ie 14ish years ago, only have M&S card now and I don't think they do it, but I would need to look. Does anyone know if they do?

Tequilamockinbird · 19/01/2012 23:15

Brightshinysun, I think you need to send the claim to FSCS. See here

www.fscs.org.uk/what-we-cover/questions-and-answers/qas-for-welcome-financial-hn0qripj/

Original poster
gregssausageroll · 20/01/2012 08:20

Watford, yes mands run ppi. I have just received over £4k from them.

OP posts:
BrightnessFalls · 20/01/2012 14:52

Ive just received my form from Welcome. I hope I dont make a mess of it!!