Out of the blue my dad has received a questionaire from natwest telling him he had PPI on two loans dating back to 2008 & 2009. They ask him to fill in the questionaire which basically asks if he requested/needed/wanted it. He doesn't remember. Is it best to answer with this? I think he was self employed for some of this time (short amount) but he can't remember. Any help or advise would be very welcomed.

brilliant thank you so much. I gonna get her to send one special delivery aswell, just as a back up. They will have letters coming out of their ears!! I just hope she does stand her ground in the bank.

Sorry to sound dumb but should the letter be sealed in a envelope? I will print 3 copies and send one direct to barclays finance take two to barclays branch (not sealed) and get them to date stamp one copy and keep that one?

Many thanks, I will let you know how it goes. Just one stupid question. Should the copy she takes into barclays be addressed to barclays finance people?

Short and sweet, don't want to confuse them too much!!!

no PPI. It was paid in full. How does this sound? is there any regulatory quotes i can add? I recently purchased a car and was persuaded by the salesman to take out an extended 3 years warranty. As of yet I haven’t received any documentation regarding the warranty purchase. I hereby give you written notice that I wish to cancel the extra extended warranty and require a full refund as this purchase was not required and not wanted and I feel I was pressured into taking it at the time of sale and believe it was miss-sold.

thanks again I don't think she has received anything regarding the warranty, this warranty was an extended 3 years ontop of the normal 5 years manufactor warranty.

She originally signed on 09/09/09 so if the 30 days count then this is a very close call. I believe she paid barclays partner finance who also cover the warranty. (i think) Should I knock up a letter and get it in the post tomorrow? sent special delivery. What would be the correct thing to say? Thanks so much for your help

Sorry if this is in the wrong place:confused: I'm trying to help a friend. I found out today that she purchased a brand new car. The salesman was obviously very good at his job because he convinced her to take out an extended 3 year warranty. (the car has a 5 year warranty anyway) She paid for the car outright approximately 4 weeks ago. She paid for the warranty yesterday in full by card. As she paid this off in one go after signing a credit agreement she incurred a charge for early settlement. (£200 i think) Her first payment (by direct debit) would have been due on the 10/10/09. After time to think about this (and comments from family and friends) she has decided there is no need for the warranty at all. Can she request her money back and cancel the warranty? There is a clause on her "agreement" which states You have no right to cancel the agreement under the consumer credit act 1974, The timeshare act 1992 or the financial services (distant marketing) regulations 2004.

Funny you should say that, i've been there and done that. The only thing was Woolwich automatically transfered it to Barclays, none of this we are not liable rubbish. (very straight forward)Sadly not the case with this one. A big part of their defence is that they don't hold the burden (They then quote all this case law, they wont show be any contract between themselves and the OC, they say i'm not entitled to see it)

Maybe a stupid question but i will ask anyway!If someone has a hire purchase agreement which was set up with company A who then sell a bulk load of these agreements to company B only a few months after they were signed.Company A don't exsist anymore and company B say they don't hold the burden part of the agreement????Now whats stopping any company miss-selling insurances or miss-selling an agreement and then selling it to another company the next day and closing down?Who would then be liable for a court claim?

I am currently taking a company to court over miss-sold insurances. My claim was placed in the fast track, i appealed and have a allocation hearing soon. I have now received a listing questionnaire (pre-trail checklist) at the top of this form it says "fee #600" this is handwritten!! Has anyone received one of these or have any knowledge of what the fee represents?Thanks for looking

Hi Masjntt Do not ever acknowledge any debt. As soon as you do the 6 year time limit will start again from the moment you do. Always head letters with something like "I do no acknowledge any debt" It seems to me they are trying their luck, there are lots of dodgy DCA which will purchase very old debts (very very cheaply) in the hope the debtor will acknowledge so that will give them 6 more years in which to harass you. Personally I would ignore them:grin:

I have a query If a debtor has received Deed of Assignment from DCA. does the debtor claim penalty charges from DCA and will they aknowledge the claim and pay up? or Can the DCA return the debt back to OC after DoA? many thanks and great work:D

i would just like to say a very well done Ian aka king of ppi. this should give lots of others the encouragement to carry on with their claims. well done

Hi Ian and all sorry to hear you haven't been feeling to good but glad to have you back yes i did send the above letter but royal mail didn't seem to want them to get it . so i sent it again last week and they received it on thursday i think. now i'm just waiting. i haven't followed up with FLA or FOS. i think i should do that before i file a claim with the courts . J:)

many thanks eric. i kinda thought this was a no go....which is a shame as my parents had to take out a repayment mortgage to ensure they pay the whole amount. i get confused with mortgages they can be very complicated :o . anyway they have continued to pay the endowment because there is only a few years left. so at least they will get something at the end of it. my mum seemed to think the original company who sold the endowment moved to or got bought out by another compant who are local to us. so we will have a look into that and then i think we will give up. at least we had a go:) many thanks again J:)

wow maggie you certainly have those two fingers in lots of pies:D i have been reading your threads and others for weeks now and have found lots and lots of useful information so may i take this opportunity in thanking you and everyone else on this ppi forum. J:)

one more thing. a man came to my parents home to sell the endowment............don't know if that makes any difference:o :o

sorry to hijack again i sent a letter to standard life regarding misselling and got a reply saying "thank you for contacting us about your endowment. we've investigated your complaint and found that personal & general ins servs, sold your plan in august 1987. the FSA regulates standard life. it is an FSA rule that complaints about the sale of a plan must be raised with the company that sold it. IFAs can recommend a product from any provider across the financial services sector. standard lifes role is to provide quotations requested by IFA, process the application and set up the plan that you choose. As personal & general ins servs, were responsible for the sale, they are obliged to investigate your complain. our records show that they may no longer be trading or authorised to give financial advise." they then go on to give us the last known address and other options like complaining to FSCS. (these don't deal with plans sold before 28 august 1988) I'm confused (still ) i don't think i have any case because the people who sold the endowment (personal & general ins servs) don't seem to be around anymore and there doesn't seem to be anyone who can help:( . any advise truly appriecated

hi all. my friend took out a loan with welcome yesterday. i told her not to have any ppi included which she told the guy. when she got home she discovered that there is Lifecare 24 and Personal accident plan included they make a total of £370. anyway there is nothing on the agreement which states you can cancel the insurances within a certain period of time. however there is a part which says "i understand that i am purchasing the product ticked above on credit provided by you and that the terms relating to the credit for the product can be found above and overleaf in this agreement." however none of the tick boxes have been ticked!!! how can she go about cancelling it without having to go back there to sign a new agreement. should she wait till the cheque has cleared. many thanks in advance J:)

please can anyone help. this seems to be a good thread to ask for some. i'm tring to sort out my mum and dad endowment policy as being missold, however wherever i look for information on this i keep getting a date of 28 august 1988 where theres is nothing anyone can do about anything to do with misselling, shortfall or anything. the sad thing is my parents got their endowment in August 1987. how frustrating!!! just to clarify, is there anything i can do with a missold endowment which started in august 1987?????

fantastic news. well done:D i will be looking into it. as they were told it would cover their mortgage and they would have thousands left over. its outrageous what these financial companies have done and keep doing. many thanks for the reply:) J:)

hi hayley i was wondering how you were getting on with your complaint???? well i hope:) i'm interested in this as my parents took out an endownment in the 80s and now find themselves looking at a shortfall of at least £7000. (so much for the lump sum to spend on yourselves) anyway about a year or so ago they took out a repayment mortgage so at least they knew the house would be paid for, but carried on with the endownment as there is only a few years left on it and they would have lost much more. i am just looking into what they can do regarding misselling. J:)

here is a copy of my LBA i will be sending over the weekend. please advise if it is appropriate. I would like to include any OFT, FSA references if there is anyone out there that could help me with that:D I would really apprieciate it. Letter Before Action Customer Number: xxxxxxx Agreement reference: xxxxxxx Thank you for your letter dated 13th July 2007. I’m concerned that you never addressed my complaint fully. My complaint is regarding the mis-selling of insurances and removal of default notice. As I stated in my previous letter I was put into a situation where I was told I had to have the insurance or I would not be able to have the car. This is typical mis-selling and should not have been done. (Payment Protection Insurance cannot be made a condition of obtaining a loan.) I would not have entered into the insurance agreement if it was explained to me properly and in a manner which is required by law. I now realize following the recent OFT and FSA investigations, that you mis-sold me this insurance policy, which I did not want and did not need. I believe I signed for the insurance under economic duress and that your actions were unconscionable. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my loan account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. No attempt was made to ascertain if the product provided was fit for purpose, suitable for my needs or if indeed if I really needed it at all. No inquiry was made as to whether I had pre-existing insurance for accident, illness or unemployment. I was not given a copy of the insurance policy nor were any rights to cancel explained. I believe you manifestly failed in your fiduciary responsibilities, your duty of care. My requests I request that the insurance initially agreed to now be removed in its entirety. I have enclosed two schedules, Analysis of claim (A) and Analysis of interest overpaid (B). These schedule were included in my previous letter dated 6th July 2007 Schedule A shows the removal of the insurance and its interest and the subsequent re-allocation of the payments I have made. You will note from this that the loan is now effectively cleared on 5 November 2004, including the payment of the option to purchase fee of £150.00. I request that all excessive payments that I have made totaling £1,851.89 be returned to me and my account cleared to nil and closed. Schedule B shows a recalculation of the interest added to the loan of £3,060.00 due to effective early repayment of the loan. I request that you refund me £369.85 of overpaid interest. On 10 May 2005 you issued a default notice against me affecting my credit rating history. Due to the effective closure of the loan now being 5 November 2004, I request that you remove this default in its entirety and not just mark it as satisfied. In summary I request the following: Close my loan account with a nil balance, Repay to me a total of £2,221.74, Remove the default from my credit history. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. There will be no further communication from me and I shall issue a claim in the County Court for my above requests, a request for statutory interest at 8%, and a request for my costs. Yours faithfully, J:)