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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:
mumatron · 26/01/2012 15:52

That's great Angry feet.

Original poster
gregssausageroll · 26/01/2012 16:00

Well done angry feet, well done!

OP posts:
Original poster
gregssausageroll · 26/01/2012 16:02

Brightness, just write to ge capital bank with a claim form. They may be owned by Santander now so check first but send it off.

OP posts:
AngryFeet · 26/01/2012 16:16

I sent the letter on 2nd November and heard back today. Egg do have a 12 week resolution period and they seemed to use every last day of it as mine ended yesterday. So it is probably quicker with other companies. The cheque will be here in the next 2 weeks.

AnyFucker · 26/01/2012 16:18

the beer's on you, Angryfeet Grin

Tequilamockinbird · 26/01/2012 18:15

Well done angryfeet!

Brightness I don't think they can use the refund against your overdraft. It's to do with the laws of offset, I could be wrong. Definitely fill in the form and send it to TSB.

Re finding out store cards etc. I had car finance back in 2005, emailed Santander asking them for a copy of the agreement as I wanted to know if there was PPI on there. I received a letter this morning with my agreement number on and confirmation that I didn't take PPI out on it Sad (I couldn't remember if I had or not)

Send emails and ask the question, you've nothing to lose

Tequilamockinbird · 27/01/2012 12:50

Received a letter from Barclays this morning to say that they're looking into the overdraft PPI claim on DH's account and will be in touch soon Smile

lynlynnicebutdim · 27/01/2012 13:06

for those with old closed credit card accounts, the easiest way to get the details is to get a copy of your credit report from somewhere like Experian or Equifax (you can do it online). THey will have a listing of all applications for credit you have applied for in about the last 10 years whether or not it is an open or closed account along with the account numbers ect.

Once you have that info you can contact the individual financial institutions and request they investigate any PPI on the accounts.

Tequilamockinbird · 27/01/2012 13:10

Good point Lyn. You can get a 30 day free trial with creditexpert.co.uk (just remember to cancel before the 30 days are up), and if you go through Quidco you get £5 for taking the trial Smile

haggisaggis · 27/01/2012 13:18

Need to get dh to look into this - I know he was paying PPI with MBNA even though he didn't ask for it - and several time he asked them to take it off and they didn't.

ilovemydogandMrObama · 27/01/2012 13:21

did an application over the phone with Santander yesterday, but have to send in the application for the mortgage hard copy as they didn't recognize the account.

The one piece of information that others may find useful is that Santander have an archive department.

Flisspaps · 30/01/2012 11:11

Bloody Welcome Finance Hmm

They've sent me a letter today saying they can't trace me on their system, can I send them details of previous names/addresses?

What, like they had in my first contact with them, and have had the proof of via certified copies of documents, which they have returned to me by recorded delivery (separately, costing them twice as much)?

Fortunately I have trawled my bank statements and have traced them on my system, complete with start date of the loan, the amount paid per month and the length of the loan.

The letter has no letterhead or anything on it, doesn't mention the company name at all apart from in the return email address tight at the bottom of the letter. Wonder how many people give up after getting one of these, thinking they must be mistaken, or can't work out who the letter is from?

Give me my money back, you thieving arses!

Tequilamockinbird · 30/01/2012 11:12

Fliss, I too had a letter like that from Welcome.

I simply rang them up and explained I'd sent everything in to them - I waited on the phone while they 'found' my details Wink

Flisspaps · 30/01/2012 14:07

I've sent them a rather shitty curt email back pointing out that they've already had what they're asking for. Perhaps I should have reminded them that if they don't sort it out to my satisfaction within 8 weeks then I can contact the Ombudsman, and they're two weeks in already Grin

MamaMaiasaura · 30/01/2012 14:11

I had mortgage back in 1995/6 and paid it off in 2001. I paid poi then, am I able to claim despite no longer having mortgage?

Flisspaps · 30/01/2012 15:49

I don't see why not - you've got nothing to lose by trying. The Welcome loan I'm talking about above is paid off and was opened before 2005.

adamschic · 30/01/2012 15:56

I'm wondering if I have a claim on my mortgage ins. Was told I had to take it out 25 years ago as the DSS weren't paying mortgage interest until a certain length of time.

Have claimed on it twice when I was made redundant and they hounded me back to work within a couple of months threatening to not pay me unless I could prove I was actively seeking work.

I was a single parent and the DSS deemed me eligible for income support. therefore a carer. wouldn't need to work Confused. Without it I would have been able to stay home and eventually get my interest paid. Thought it was a damn cheek considering they would have only covered me for 12 months. Anyone know if I have a claim? Sorry to barge in but it's been bugging me for a while.

Flisspaps · 30/01/2012 16:06

Ask - AFAIK if you didn't want, need or ask for PPI or you were told you HAD to take it out, then it was missold. Not sure how much joy you'd have with a 25 year old policy, but again it doesn't hurt to ask. It doesn't matter if you claimed on it either - the mis-selling is the issue, and that would have taken place before you claimed.

MamaMaiasaura · 30/01/2012 16:11

I was told I couldn't have morrgage without it

adamschic · 30/01/2012 16:43

I'm going to give it a go. They told me I had to have it and it was the cause of stress when I had to make a claim.

adamschic · 31/01/2012 11:45

From what I've read the claims are only likely to be settled if you took it out within the last 6 months so I'm not sure I can do anything about mine :(

adamschic · 31/01/2012 11:45

I meant 6 years not 6 months.

AngryFeet · 31/01/2012 11:50

Actually that isn't true adamschic. If you were still making payments in the last 6 years you can claim. The loan I took was in Jan 2004 but as I was still making payments up until 2008 they processed my claim.

adamschic · 31/01/2012 12:17

Oh OK thanks. I have filled in the forms and will try and dig out the original agreements (think they said you needed to find them if it was an older loan) I am still paying. Just worried as I will be trying to claim off my current mortgage provider. Oh well was thinking about reviewing my mortgage so might prompt me.

ilovemydogandMrObama · 31/01/2012 12:27

Not sure where the 6 year criteria comes from? Have looked on the Financial Ombudsman site and there isn't any mention of a time deadline, although if a loan is older, then it may be more difficult to find documents in evidence if you don't have the original agreement...