Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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Strongly advise anyone who's ever had it to spend 2 minutes writing a letter and sending it off. I got an offer back on Thursday and i'm astonished at how much they're giving me back (including 8% interest on everything).
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N3CRO
Member
Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline
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I went thru a claims company. Waiting to hear back now. Could be getting around £1,000 back.
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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The only PPI i've had was on an Alliance and Leicester credit card many moons ago. They've since been taken over by Santander. I wonder if i can get anything back?
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N3CRO
Member
Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline
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quote:
Originally posted by Aaron
The only PPI i've had was on an Alliance and Leicester credit card many moons ago. They've since been taken over by Santander. I wonder if i can get anything back?
Probably. My dads thinking of making a claim against an old Woolwich account which is now Barclays.
Its defo worth looking into at least.
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Have you got the letter you sent off Tom? Did you provide evidence of paying it etc?
Is it possible to forward it to me, obviously with all the details deleted / blanked out. Just so I can have a template to write one?
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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Awaits John to tell everyone you were stupid to take it out and even though you have got more back its your own money blah blah blah 
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by Whittie
Have you got the letter you sent off Tom? Did you provide evidence of paying it etc?
Is it possible to forward it to me, obviously with all the details deleted / blanked out. Just so I can have a template to write one?
What's your email address, I'll send it on but it was literally a paragraph no details apart from why I think it was mis-sold (i.e. they wouldn't offer the amount I wanted without taking the PPI). They wrote me a letter saying they'd come back to me within 4 weeks, which they did telling me they were behind schedule due to amount of claims and they'd be back in touch (was about 7 weeks in total from 1st letter). I was expecting a few hundred quid (if anything) and I got thousands. Definitely wouldn't be using any of those middle-men, a colleague prompted me to do it and she did exactly the same as me and got hers within 4 weeks.
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by Nismo
Awaits John to tell everyone you were stupid to take it out and even though you have got more back its your own money blah blah blah
 I got myself into a load of debt and it was pretty horrible, but I'm glad it happened now as it's going towards a house deposit, and I'd never have earned 8% interest had I been saving it  I do have to pay some of the interest to the tax man but it still amounts to over 5% interest!
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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Yeah i have got back a lot more than i paid on 3 claims, so I can't argue
IMO those that didn't take it out are now the mugs 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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I'm going to look into this.
Is there a way to get a list of credit cards and store cards without paying for a credit report?
I've had all sorts of store cards that I've completely forgotten about.
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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you wont be happy when you start having to pay for accounts so they can get money back somehow.........
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by VrsTurbo
you wont be happy when you start having to pay for accounts so they can get money back somehow.........
Already pay for mine, so won't be too much of a shock 
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neil h
Member
Registered: 28th Sep 06
User status: Offline
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quote:
Originally posted by Nismo
Yeah i have got back a lot more than i paid on 3 claims, so I can't argue
IMO those that didn't take it out are now the mugs
Don't see how Can't see you can actually make much of a profit (if any) off of a claim.
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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quote:
Originally posted by neil h
quote:
Originally posted by Nismo
Yeah i have got back a lot more than i paid on 3 claims, so I can't argue
IMO those that didn't take it out are now the mugs
Don't see how Can't see you can actually make much of a profit (if any) off of a claim.
Ive had about £600-700 in interest back on my claims.
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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What happens if I can't even remember if my account had PPI on? Surely I can't just call up and say "Did my account have PPI on?", then if they say yes, I say "Well I think I was mis-sold it."
Surely they can just say "WTF - you didn't even know if you had it just now?"
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neil h
Member
Registered: 28th Sep 06
User status: Offline
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quote:
Originally posted by Nismo
Ive had about £600-700 in interest back on my claims.
Surely thats interest you would have paid out originally though?
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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quote:
Originally posted by neil h
quote:
Originally posted by Nismo
Ive had about £600-700 in interest back on my claims.
Surely thats interest you would have paid out originally though?
No the way that it was broken down was into what I paid back and i received 8% interest on top of it.
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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quote:
Originally posted by James
What happens if I can't even remember if my account had PPI on? Surely I can't just call up and say "Did my account have PPI on?", then if they say yes, I say "Well I think I was mis-sold it."
Surely they can just say "WTF - you didn't even know if you had it just now?"
Just call up and ask for the policy number for the PPI on which ever card / loan you had and if they give you a policy number then you had it, you will need it anyway to make a claim.
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neil h
Member
Registered: 28th Sep 06
User status: Offline
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quote:
Originally posted by Nismo
No the way that it was broken down was into what I paid back and i received 8% interest on top of it.
Dam, may have to fish out the paperwork for my car loan. Sure I took it out (i mean was missold  ) on that.
[Edited on 15-05-2012 by neil h]
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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I had it on a CC and genuinly didn't know until I recieved a letter stating my insurance provider would be changing. Called and they confirmed it was on the card and sent them a letter basically saying my card number is X, It has been brought to my attention I have PPI that I do not want nor need and feel that I was Mis-Sold when I took out the card.
Have already received a £144 as "Changing Fee Rebate" whatever that is, got a letter stating they are calculating how much they owe me including interest and I will here from them within 4 weeks.
And before anyone asks how I didn't know, I took the card out when I was 18 and was told I would need to pay for the card and being naive I believed them. Then on statements it was billed without a name and therefore I didn't question it. Forgot about it as that was nearly 6 years ago and the letter 3 weeks back brought it to my attention.
Hopefully it'll clear the remainder of that card and I will be debt free 
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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quote:
Originally posted by James
Surely they can just say "WTF - you didn't even know if you had it just now?"
If you don't know then you have been missold, I called and it worked out fine. No harm in trying as long as you are being genuine IMHO
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Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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£675 so far...
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Submitted my claims with Natwest. 2 down, about 10 to go
TBH I think there's no point me doing it for the store cards, I never had much balance on them. One big one is the car finance I used to have.
FYI - anyone with Natwest, they have a dedicated hotline that you can call.
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Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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I've had two lots of car finance with Vauxhall, will I have PPI on those?
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by Shelly
I've had two lots of car finance with Vauxhall, will I have PPI on those?
That's who mine was with. GMAC via Vauxhall. I can't remember if I had PPI on it, you could have done though.
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