Apologies if im asking the same'ol questions, but after reading dozens of threads in multiple colours, font sizes etc... im starting to get a headache!! lol
After recently discovering that ive been paying for PPI for the last 4 1/2yrs, i want to get my money back!!! Will keep things in bullet form to help if peeps have answers for certain parts (& also for those looking at it in the future)
* Who do i claim from?
The loan was through Norton Finance, but actually from EPF, but the PPI 'is' through Cardiff Pinnacle as a single payment.
Spoke to HFC (EPF) on my way home only to be told that they didn't sell the PPI so cant do anything. My argument was that i never dealt with CP as certainly haven't signed anything with CP on (have both original copies of the CP docs without my signature). They didn't seem to care about this, so i gave them the benefit of the doubt until I'm able to speak to CP tomorrow. Will be cancelling the PPI for the remaining 5mnths & seeing what they say about re-claiming. (dash over £3000 for 60mnths). HFC may want to fob me of to CP.... but surely the £800+ interest on the PPI is purely down to EPF/HFC to refund?!?
* Do i need SAR if I have the original contracts from both EPF & Cardiff Pinnacle?
* Error on PPI contract
After digging the paperwork work out tonight to find phone numbers etc i suddenly realised that the commencing date on it was 2006.... not 2007 as it shouldve been & as shown on the loan paperwork. Does this change anything (for better or worse). Technically i should still be covered, but on the paperwork it looks like it ran out in March!
* Total reclaim amount?
As previously mentioned.... the PPI was a dash over £3k (less what i get back cancelling 5mnths early, if anything) & EPF charged me over £800 for the interest. Obviously i lost interest on the money they took of me. Is this what the 8% figures is that ive seen batted about? Or do i need to figure out my own interest lost??
* Where to start?
Ive seen alsorts on here about SARs, FoS questionairres, other templates etc.... & even as an aerospace engineer..... im confused!! IF i don't need to do a SAR, can i just send a civilised letter to the company(ies) involved?
Again, apologies if this has all been covered before, but couldnt find 'simply' even via searching different company names / phrases etc. After a full day staring at computers, my mind starts to do crazy things when i try & do the same at home!!
ANY help at all will be very greatfully recieved!