PPI Claim

It's not just self-employed people, a big part of it was banks saying you would only be accepted for the loan if you took out the PPI. They aren't allowed to do that. The PPI should have been voluntary.
 
mame said:
It's not just self-employed people, a big part of it was banks saying you would only be accepted for the loan if you took out the PPI. They aren't allowed to do that. The PPI should have been voluntary.
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Hmmmm similar to the PPI claimant company telling me I could only claim through a company like theirs..... Think I might have words
 
mame said:
It's not just self-employed people, a big part of it was banks saying you would only be accepted for the loan if you took out the PPI. They aren't allowed to do that. The PPI should have been voluntary.
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I had this in 2005 when i took out Hire purchase on a car i applied for the credit and they came back saying you can't have the car unless you take the PPI due to my previous history, basically saying that was their security.

Would it still be possible to claim this back after 6 years?
 
Templates can be found online. The money saving expert site apparently has one for every scenario
 
DAIR said:
I was approached by a rep in a shopping centre. They said I could only claim through them (or a company like theirs). I've recently found out this was a load of rubbish.

Had I known I couldve done it myself I would have!
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Saying this, I think we should start a new company taking money off of the PPI companies for lieing to people about PPI claims.
 
rollins said:
I've just received my refund from RBS - decided to do it myself due to the high costs that companies charge for the sake of sending a few letters, as mentioned already on the thread.

Going back quite a few years, but if you use the templates for SAR information (if you don't have any account records) and the FOS questionnaire, then you should be sorted.

I claimed due to being sold the PPI as required within the loan, even though I had additional insurances, as well as a pre-existing medical condition (microtia). The end result was a cheque for just over £12K. Sorted!
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KERRRRRRRRRRRRRRRRRRRRRRRRR CHING
 
how do check whether you have PPI or not.. I have a mortgage, I also have life insurance and unemployment cover for my mortgage which i took out when i got my mortgage through a mortgage broker.. what do i need to check?
 
wijcc said:
how do check whether you have PPI or not.. I have a mortgage, I also have life insurance and unemployment cover for my mortgage which i took out when i got my mortgage through a mortgage broker.. what do i need to check?
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It's for loans and credit cards
 
rollins said:
The letter I got was more than a welcome surprise! Mind you, I never missed a payment with any borrowings, everything is paid off now and me and the missus are having a holiday to San Francisco, Amsterdam and Prague this year.

2011 was a really bad year for me (bereavements) so 2012, I'm hoping, will be a much better year. This is definately a good start!
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Happy days
 
Right I've checked my account today and noticed that I've received some monies from the bank... Thing is its a lot less than the amount quoted in the offer.

Do you guys know wether banks pay in a lump sum or spread the payment across a ffew days?

I need to double check I wasnt seeing things when I read the offer letter lol!
 
I got best part of £4k recently.

I called my bank to discuss a PPI payment that I believed shouldn't have been on my account (I called them before I transferred my balance from another card and they said there was no PPI on the card). They put me through to a department they have that is devoted to PPI claims, and took a statement from me.

I received a letter 8 weeks later, and a cheque 4 days after that.
 
What annoys me about this whole claim back your PPI thing is that I garauntee that a large portion of people who have claimed it back were not missold it in the first place.
 
How do you check if you have been miss sold PPI? Iam pretty sure I have been with with my first Barclays credit card about 5 years ago...
 
I am amazed people spent so much on PPI. I had PPI briefly on a loan - but the total would have been <£150 over the length of the loan. There must have been some really expensive PPI on offer for the amounts quoted in this thread to be paid out.
 
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