Man of Honour
I had PPI with an old Egg card. I cancelled it myself after a couple of years. Egg was taken over by Barclaycard, so can I send BC a SAR in the hope of getting some money back?
PPI Claims, any recommended companies?
- Thread starter Gibbo
- Start date
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Did you agree to it when they offered it when you took the card out?
Man of Honour
I'm not sure - I think it could have been a pre-ticked box on a form... although I seem to remember them telling me I needed it when I rang up once to change my address, since I'd been made redundant and just found a new job.[TW]Fox;22355104 said:
I no longer have all the egg documents. I did get a while back a letter about Egg PPI, but binned it, sadly.
Man of Honour
Not really. If it was mis-sold.
just looking at my barclaycard bill, i can't see the word 'insurance' anywhere on the statement. is this the only place to look or is it in their T&C's.
i've never taken out a bank loan but i do have a mortgage (woolwich/barclays) and car finance (VW) i'm kind of jumping on the bandwagon i guess but i'm thinking of pursuing both these avenues, just in case i am owed anything. i understand this is a little hypocritical, due to my stance on this in the past (which was essentially, you're not getting anything back, other than what you've paid out in the first place) but gibbo saying he got a whopping 8% interest on top has swayed me.
could someone please advise on the best way to pursue a mortgage and car finance query?
i've never taken out a bank loan but i do have a mortgage (woolwich/barclays) and car finance (VW) i'm kind of jumping on the bandwagon i guess but i'm thinking of pursuing both these avenues, just in case i am owed anything. i understand this is a little hypocritical, due to my stance on this in the past (which was essentially, you're not getting anything back, other than what you've paid out in the first place) but gibbo saying he got a whopping 8% interest on top has swayed me.
could someone please advise on the best way to pursue a mortgage and car finance query?
Associate
I'd like to know about claiming from Egg too, my step dad was told he needed it at the time (so he says). However obviously egg are not around anymore, is there anything we can do?
Caporegime
My loan was through a company who no longer exists, and was a subsidiary of Santander.
Sent them a letter. They said they have no data no file (even though the loan was active in 2007, inside the 6 year rule).
Got in touch with the FSO, they contacted Santander, and I got my cheque about a month later.
you claim through barclaycard.
Soldato
I wouldnt recommened any company.
Carry out the claim yourself. Some of these comnies charge will take 25% + (excluding VAT) of how ever much is claimed.
Carry out the claim yourself. Some of these comnies charge will take 25% + (excluding VAT) of how ever much is claimed.
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Caporegime
I did it myself with my bank, the result 6k, if I'd used a company it would no doubt be half.
You don't need all the details though, I literally wrote to my bank and just gave them my current accout number. I stated I wanted a refund on any PPI on any past loans / overdrafts I may have had and left it at that.
One week later I had a response stating they were investigating. 4 weeks later they responded stating I was owed money and they would get in touch again within 4 weeks. They did and the result was I was owed several thousand pounds, mostly from a loan back in 1999-2003.
My bank were superb, they could have replied saying I had not given enough information or it was beyond 6 years, they did not, they refunded everything I was owed plus 8% interest.
Therefor I am now posting the same letters off to any other lenders I can remember, just on the off chance I may have been miss-sold PPI again. Chances are I was not, but for the sake of 30 minutes of filling in forms and postage stamps its well worth it.
Which bank is this?! Sounds amazing.
And I never knew this PPI extend to credit cards.
I have a loan which I am unsure if it has PPI on, I can't remember where I put the agreement so if one letter is all it takes then that's great! The loan isn't fully paid off though for another year, i am not sure if it has any effect on monthly repayment from the date of the claim?
[TW]Fox;22355104 said:
He is unsure, this is all that matters.
Fill in the form, send it off, if you get nothing, then no loss, if you get a refund then happy days.
Example, my credit cards with my bank, they just gave me credit cards, I did not ask for them, I was just offered and I accepted.
What they did not tell me is they also had PPI, yes I signed the forms for them, my mistake for not checking the T&C's more closely.
I knew PPI was on them when I spotted insurance alongside the interest. As such I thought I shall throw in a PPI claim and it paid out. One could say my fault for not observing the T&Cs more closely, but at the same time they should have made it very clear and not hidden in some smallprint, as such miss-sold. Just stick to your guns if they challenge it and just say it was miss-sold.
When I've been offered PPI, I've always declined!
As such any PPI I've actually had I was not informed correctly or clearly about it and as such miss-sold it.
LOL at all the moral crusaders in this thread.
Look at the banking industry, look at what's in the news today and tell me we're talking about an honest profession. Look at the high court judgement that found the banks guilty of miss selling PPI and tell me this is "another whiplash".
Now, think about every £25 charge you may have incurred for going pennies into an overdraft. £25 for bounced items etc. Banks who tried to charge you for getting access to your own money. Banks will try to get what money they can from you by fair means or foul.
This, is a rare victory for the consumer in the face of the "we've got your over a barrel" mentality seen all too often in the banking sector.
So too bloody right I'm claiming my PPI back, every single last penny.
Look at the banking industry, look at what's in the news today and tell me we're talking about an honest profession. Look at the high court judgement that found the banks guilty of miss selling PPI and tell me this is "another whiplash".
Now, think about every £25 charge you may have incurred for going pennies into an overdraft. £25 for bounced items etc. Banks who tried to charge you for getting access to your own money. Banks will try to get what money they can from you by fair means or foul.
This, is a rare victory for the consumer in the face of the "we've got your over a barrel" mentality seen all too often in the banking sector.
So too bloody right I'm claiming my PPI back, every single last penny.
Soldato
I'd love 6k at the moment, however whenever they asked if I wanted it on my mortgage and the 1 credit card I've had(and since binned) I distinctly remember agreeing to have it.
You're right, however I still agreed to have PPI and I'd like to think I'm an honest person so can't see me claiming.
You're right, however I still agreed to have PPI and I'd like to think I'm an honest person so can't see me claiming.
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I think you claim though egg. I had a loan claim though Egg, but egg sold their loads to another company (forget their name), however, as Egg set-up the loan, the liability was with them. I think the same will apply for the Credit card too
I'd love 6k at the moment, however whenever they asked if I wanted it on my mortgage and the 1 credit card I've had(and since binned) I distinctly remember agreeing to have it.
You can "agree" to have it, but still have been mis-sold, based on the reasons given above (self-employed, pre-existing medical condition etc)
Soldato
Fraid not, when they mentioned it I thought it was better to have it just to be sure.
If you do fit into any of the categories, you may still be able to claim. Unless you verbally said "I should have it anyway", they would have to prove it.
I'd always thought about this, as being self employed I have always opted out when such things were offered. I guess it's always possible they are automatically part of a credit card back in the day though, hence maybe worth sending off a letter.
not fussed for all these PPI texts, emails and adverts constantly though!!!!
not fussed for all these PPI texts, emails and adverts constantly though!!!!
I didnt want to include gullible as C.
I am 36, do you think I've not heard the same nonsense as you have when it comes to taking out loans and finance over the years?
Its like people who bought endowment policies as well.
"Its like this, you pay almost as much as a repayment morgage, for the same amount of time, but get this, where as with a repayment mortgage the house is paid for after 25 years, with THIS way of doing it, you've paid virtually the same amount and your endowment policy might or might not be worth the value of the house at the end of it".
Ill take two.