Challenge what they are telling you. The banks want to hang on to your money including the PPI added to loans. The banks will make statements to put you off track. IMO you should press them all the way for a claim on your PPI and if they fail to refund you should press on to the Financial Ombudsman Service with a complaint. I have made multiple complaints and my recovery on PPI and bank charges is now over £19.5k so keep at them aa

IMO stay away from them. They will no doubt take a percentage of any reclaim money you are entitled to. Better to put your case together and use the Financial Ombudsman Service (No fee, No Court costs and no bills. You end up with an adjudication which in the PPI world gives you a 90% chance of a success and the complaint to the FOS will cost the company you complain against a £500 fee payable to the FOS. It is better, cheaper and more successful with no cost to submit your claims for mis-sold PPI to the Financial Ombudsman Service. aa

You will have to read up on the terms and conditions applicable at the time the loan was taken out. PPI has been mis-sold in a huge amount so IMO check out all the relevant terms and if you consoder you have a valid claim, you should IMO make a claim and get your money back aa

Do you know how much the PPI was that was attached to your loan. I assume it was a loan as you have not posted detailed information. IMO it seems a little bit short of a repayment on a £5K loan with PPI added. It may be time to ask for a breakdown on the loan on loan figures and PPI figures before you start your claim. aa

Yes submit a claim for mis-sold PPI but make sure you have valid ground to claim please see this link..... PPI - Some Notes for Claimants.. There are many more links in the stickies at the top of this forum please use them and research the links to see what you can claim aa

IMO you should pursue the claim for PPi against the original creditor namely Debenhams and GE Money. (They will no doubt pass you on to the creditors just to delay you with your claim., This is becoming standard practice. "make sure the claimant has as difficult a time as is possible in making a claim by passing it on to debt collectors etc etc. IMO you should make the claim for mis-sold PPI against the original creditor and stick with it. aa PPI letters here... Full SAR for ppi Data Protection Act 1998 - Subject Access Request

If the loans have PPI added to them to allegedly protect you and you can put up valid reasons that you consider the PPI was mis-sold then you should claim back. Please see these link to help you get started. PPI - Some Notes for Claimants. BANKS are giving incorrect advice on PPI Mis-sold PPI? Want your money back? use these links to help there is a lot more in the stickies at the top of the forum. aa

Best for you to start your own thread that keeps things simple. It will mean you have your own thread that will not interfere with other caggers. Please follow this link to start your own thread. http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111 aa

A single £10 fee by postal order is all that is required to obtain all the data held on you by Abbey. You will needto scrutinise all the paperwork you receive to check for the PPI details. You will need to double check as you state you ticked the box you should have been made aware of all the relevant issues on the policy by virtue of a demands and needs questionnaire, This should have been carried out by abbey staff to ensure the PPI on the CC was in fact suitable to you in line with your position. Please see this linik.. PPI - Some Notes for Claimants.. You should always receive a copy of the consumer credit agreement with a copy of the terms and conditions that are applicable to that agreement. If you believe you have been mis-sold PPI then you should submit a claim to ask for the PPI premiums to be returned with 8% statutory interest. aa

Betty here are some other threads on the same issues. Please check them 0ut they may help. Picture Loans and the FSCS Picture the Loan - PPI Shocker! Help! isoclene v picture finance FSCS ,Deloitte and Picture Finance

Postal order is better you can get the post office to check when it was cashed. Payable to Royal Bank of Scotland and keep hold of the reference number to track when they cash it in aa

Well done I have just responded to a post on 20 Jan but it now appears you have a success so ignore my response. Well done. aa

Betty here are some other threads on the same issues. Please check them 0ut they may help. Picture Loans and the FSCS Picture the Loan - PPI Shocker! Help! isoclene v picture finance FSCS ,Deloitte and Picture Finance

Hello Landy, I like the train of thought but the problem is getting the FOS, FSA etc to think in the same way. My only suggestion is to complain to all of the regulatory bodies about your particular case. FOS, FSA, ICO, Trading Standards, OFT and anyone else you can think of. A single standard letter putting across all the salient points copied to them all with a copy to LTSB is the only advice I am able to offer on this one. I see exactly where you are coming from as mis-sold PPI is the route of all the evils on the loans front. I wish you every success. Let the world know what has been going on aa

Sorry about the long delay in answering. Please have a look at the stickies at the top of the forum. There are loads of link with mountains of information on claiming back mis-sold PPi. Here are a couple to get you started but you will have to research put your case together and then claim your money back. PPI - Some Notes for Claimants.. All new posters this is **important** Full SAR for ppi Data Protection Act 1998 - Subject Access Request My advice would be to read other threads. Research is the answer get the evidence then claim. aa

Thanks dx I still cannot give as much time now but will do what I can. aa

Here are copies of my letters to RBS/DLFS but they were actually all one and the same company as I found out so RBS repaid the mis-sold PPI on RBS and DLFS loans. Letter 2 Hope this is of use aa

I have been absent due to family health issues. Well done to all the successes. Nice to see some positive results coming in. I will try and catch up on the PPI forum but it will take some time. Keep up with the fight. aa

If the Ombudsman does not rule in your favour you still have the option to go to Court. If the Car company do not follow the Ombudsmans decision you should then complain to the Financial Services Authority and inform them of the situation stating the Ombudsman has upheld your complaint but the Company refuse to abide by his decision. aa

Please see this forum for assistance. Is My Agreement Enforceable - Useful aa

I would call the FOS again and explain exactly what you have posted here and ask for further advice. aa

Please see the links in the stickies at the top of this forum. Here is a starter but you will have to research the rest for information that will no doubt be helpful in your claim. PPI - Some Notes for Claimants.. BANKS are giving incorrect advice on PPI Mis-sold PPI? Want your money back? use these links to help A lot of searching but IMO you could have a valid claim via the Financial Ombudsman Service. aa

This is what you are after I believe. Complaints data aa

You should tell them to forget it IMO. Read up on all the links in the stickies in this forum and if you consider you have a valid claim for mis-sold PPI go to the Financial Ombudsman Service. Here are a couple of links to get you started. PPI - Some Notes for Claimants.. Mis-sold PPI? Want your money back? use these links to help A lot of reading but worth the effort to get your PPI premiums back plus 8% statutory interest. aa

If you have a claim for mis-sold PPI then yes. Please read the stickies at the top of this forum here is a starter. PPI - Some Notes for Claimants.. aa