Just a word of advise worth trying it worked with me claiming back for my mother back for loans back 20 years barclays customer relations helped me with all the loan agreements and ppi policies they gave them me over the phone and did the complaint over the phone I won 3 ppi back within 14 days money 12000 paid into my mums bank account i then backed it up with the letter of complaint and fos questionaires they can find them and they were actually brilliant Ive 7 more ppis to come back any day so theres def hope please try it Tina and good luck

I have just won 3 loans with ppi back for my mum of just 12 000 pounds from start to finish it took me 14 days, one loan of 10 000 payed out 8000 pounds ppi refund, barclays did all the leg work and were very helpful although they did sell ppi to a disabled woman who would not of been covered. I have 7 more to GO OUT WITH BARCLAYS possibly worth around 60,000 over 20 years and near to completion, I found it quite easy and barclays did give me all the loan agreements over the phone, just awaiting the rest of the money into my mums bank accounts, but without this site I would noot of been empowered to do so thank you all so much, as my mother had been taken advantage of all them years ago And a thankyou to barclays for making it so easy, but they would not of looked good in court with what I put on the fos quetionaire Tina

My igroup loan taken in 2003 they forced the ppi of 1200 on a secured loan of 5000 I payed this loan off a year later Ge money are trying to fob my off and refer me back to the broker who have gone bust Ive told igroup ge money its them what took me through the credit agreement not the broker after telling them where to go after explain i have recorded telephone mess of them forcing the agreement they have lodge the complaint although they had my credit agreement on their system I have all paperwork they have refered me to the fos which they have told me igroup did not come under their jurisdiction Ive gone mad with fos, they have told me they will write to the insurance company ppi cigna life assurance cos is their only way forward Somebody pls explain to me how come igroup still get away with it. Tina

oh thank you so much this is just puzzling me completely and im pretty good with my figures

i think someone is going to have to help me on this one its very complexed, was missold definately, I tried to claim on the ppi put in the claim form, igroup messed me about and told me that i wasnt covered and lost my claim form, and that suprisingly a few months down the line they found it, the wrote a letteer to state this, as I threw wobblers the added lots of charges to loan too, about a year later i told and forced igroup to take ppi off, cos it was useless I got a rebate back something and nothing bearing in mind I was paying 19.35% a month for the ppi on my loan, when i got the rebate they payed it to my loan account and my monthly loan figure did not go down, so I had to get rid of igroup with a loan off someone else they were terrible so how do i calclate this mess

Help neede in reclaiming ppi back from a loan off igroup, but loan taken out in 2003 for 5 years paid back in 2005, the loan we was told and forced upon us a secured loan on property only for £5000, and told by igroup and the broker that the ppi was conditional, and that had to be taken to get the loan this is down on black and white from broker and igrooup, im still mad about it but tryed to get out of it at time Loan was for 5000 ppi was £1200, the total loan £6200, interest rate 13% over 120 months loan plus ppi was a month £92.57, interest rate variable, i still have agreement statements etc all paper work, what do I do over 6 years old, and im fired up to go get them because they was out of order for this I was always having arguements with igroup over the ppi Who do i contact is it ge money and what is there contact details and anybody have any ideas what i should claim for and how much

In response to repairs and carpets i have gone through the right channels to do things, last year brought in housing standards from my local council they issued them will court notice so they did some repairs, i asked them to riplace carpets they ignored me they ignored me about the boiler, but the boiler we was hours from death, that is with a solicitor and Im suing, but continued repairs afterwards have been a problem even with the boiler, they dont have a leg to stand on You would think after that had happened they would be quite assertive, after i replaced carpets they asked for the receipts and they took them off me, my solicitor thinks my landlord has claimed off his insurance and pocketed the money well tonite the bedroom ceiling fell in at 8pm and water pouring through my ceiling i rang owners has id emailed them weeks ago, i was just going to bed as i felt ill and found it, I think this is health and safety issue now, Im fed up, and feel so ill off it all my waters all off and off till tomorrow until a plumber gets here. I am in England not scotland I just feel like i could curl up and die, just wishing this all to dissappear

I am at my wits end at the moment with the letting agent and landlord, as ive had a lot of propblems with this property Firstly in jan 2010 myself and my children were hrs away from death from a boiler with a flue not connected correctly and wide open seaping into the cavity under my sons bedroom Bearing in mind Im in a new build which is 4 yrs old now, the levels of carbon monoxide in our blood the hospital does not know how were are here to tell the tale. The health and safety executive was involved case now closed after 18 months they are not going to prosecute in criminal proceedings, due to the evidence being disturbed by the plumber not following proceedure, even though i had told the landlord i thought there was something wrong with the boiler a few months prior to the plumber doing the annual gas check which was late. The health and safety executive found 5 people has having had a responsibility to what happened, the developer, the plumber who installed at build the plumber who did gas check when i moved in and the plumber who found it Even after this has happen 18mths it took for the hse and gas safe to look at my boiler cause i did not find it right still, and yes they found still 4 items on the boiler not to current standards still after all this the letting agent has not fixed the boiler and it still needs a part, as now if the pressure goes down i cannot fill the boiler up due to no filling loop, i am now 6mths on My bedroom roof is about to carve in due to a leak in the ensuite toilet above which they had not fixed correctly, even though we have never used that shower or bathroom it continues to leak, the ceiling wet patch is getting bigger and has gone black in places and the ceiling plaster is crumbling and coming away this is a very small bedroom and i sleep in here due to the bed being higher after having to have 2 tumour major surgeries after all this carbon monoxide poisoining, all these problems has made me very ill, there is other problems in this property the list is endless, the letting agent chooses to ignor my calls and my emails in writing, I have spent upto 4000 pound on this property since i have been in it putting things right, i have been in property 2 and a half yrs, when i moved in here i have had to replace all carpets due to bad tennants in prev due to hundreds of cigarette burns extensive decorating, recently new flooring in kitchen 400 pound due to all probs with boiler leaking when they send their plumbers round, I am a good tennant never put a foot wrong pay my rent on time, i feel this is getting quite personal now and i dare not cause to much trouble because they will throw my out under the shorthold tennacy, i brought housing standards in last time and i dare not do it again has im not well enough to move at moment due to my 2nd operation 8 weeks ago, but they are slowly killing me with this What do i do Ive spent so much money on this property

Just to let you know I had the same problems with redstone, and I got away from them, they charged some absurb erc which was not right in 2006, the weirdest thing even 2 years after remortgaging, I keep getting cheques off them for hundreds of pounds, just out of the blue, and I am not doing anything, and because of these idiots I lost my house, another cheque arrived last week I borrowed 175000 off them, it cost me 219000 to get rid of them approx 45,000 pounds, and its gone to solicitor, even the solicitor could not believe it who remortgaged me 2 years ago, as they had forwarded cheque to him

Just to let you guys know what Hsbc did to my OH with his financiall hardship claim for bank charges, last month, chose to ignore it and applied a ccj, and sent it to our old address, but we are going after them the *****

Thank you my fingers are crossed too, but do they close the account down. I too will be making a donation, as without this site, I would never of been enlightened at all, it was due to this site, that I deceided to fight back, even though I was very delicate, frightened, scared, and lost my home and my fight, but I deceided to fight for my rights, and not let the bullys win, and thats a first for me, and down to the banks and creditors, I lost everything I worked hard for and nearly my sanity, but to cag the fight will go on, I small fish can not bring us down, and Im with you guys all the way.

I also think the Halifax have settled my hardship claim, I filled in my hardship financial statement 4 weeks ago and I spoke to them yeserday, and they said to me they were making a decision today, I looked at my bank account online and the balance has been wiped out to 0, and it also states the account is closed, so I am hoping I have a letter in the post with a cheque, but to me I was suffering extreme financial hardship, as I had my house repossed last year, and we are struggling to get by, but if they have settled, the halifax have been pretty good and understandable.

but yes, but seriously need help, what do you think will happen, its beggars belief my hubby only received an update letter from Hsbc 3 wks previously about the oft decision and what happens now, do you think the courts will stay the claim or go ahead with it, or will hsbc have mud on their faces, but this is at their peril and their costs

Also this is quite urgent my hubbys account with hsbc which they closed many months ago, and account in dispute for excessive charges, the last letter they received is letter before action off him, and a claim under financial hardship, I have just 4 days ago received an application for a ccj, this was address to my old address, and they are claiming for overdrawn bank account, which is made up of their excessive charges and goes on to say, the account was maintained without sufficient funds to meet withdrawals. Boy are they stupid or what, I am at the deadline to counterclaim, but I need to counter claim the beggers as we have never been contacted by their solicitors at all. So basically they taking my hubby to court, for a ccj over a disputed account for there obsesive charges of £2249.73 I am gonna counterclaim this but help is needed!!!!!!!!

the only stage I have not taken is through the courts which is the next step, but this would be irrelevant at moment due to the stays in place, and I have not money to throw away.