Hi Guys Need your help and advice. I had some old loans with PPI sold by welcome, for which I both was able to claim my PPI! Not just we were told that we had to take those policies as our credit history in the uk was almost non existent, to be able to get the loans! This loans were taken with my ex partner, which now is trying to claim, but they saying that the policy was only to cover the 1st named person, whcih was me, however we both clearly remember that we disclose to sales person my serious liver condition, and we were assured that we were both cover, as stated verbally and as he didn't crossed the i/we wording which he said was to show that we were both covered, Back then this in 2000 our english understanding was not the best and the guy not just spoke 1000 miles an hour as he had a strong accent, he even had the "face to add " a health care product for which he knew at least me I would not be ever able to make a claim! We have the original paperwork which show both our names, the ppi premium-together with healthcare product which we were told was a part of the PPI, and it clearly shows the we not crossed, so I believe that not just serve as proof that the otherwise stated, is in place- I mean we were both covered, as proof that he stated this verbally! We should never been forced to buy those products due to my pre medical conditions, as also this should had never been as a condition to get the loan?! My question, W as my ex partner is trying to get her refund, because she also paid for the loan and her name was in the agreement, does aviva ( underwriter for 1st ppi) and welcome are correct when saying that only me was cover, as technically in the agreement- the we wording was not crossed and left untouched and back then we disclosed my health conditions and were assured by salesperson that was not a problem and that both of us were covered by the ppi, am I correct in my line of thinking and she is entitled to a valid claim, as CAB advisor told her that she had a strong mis selling case? Thanks

Hi guys, Hope you can help me with this please I had a call from assist claim management about ppi claim I gave them some details over the phone they came back to me after a week asking me to sign a letter of authority because they found 5 accounts eligible for ppi claim. i signed the LOA for them in may 2018. in September I came back from holiday I found over 10 letters from them some asking me to sign a questionner and a new LOA AND some of them threatening me with a bailiff or pay à fees of £300 for each account which make a total of £1500. the letters were all sent between 23 July and 10 August I came back home the 3rd of September a week later I received a letter from a bailiff asking for £375 x 5. i called them explained to them what happened they asked me to sign a LOA I said I’ve already signed one they told me it was invalid because I added some stuff with pen on them. i said if it’s invalid why are you threatened me with bailiff and I decided not to sign anything and do the claim my self. they send me new LOA AND A QUESTIONNAIRE to sign and they join a letter of T&C and one of the clause clearly saying I have 14 days to cancel. i did sign a new LOA AND THE QUESTIONNAIRE SEND IT THEN A WEEK LATER I’ve send an email to them to cancel the contract as stated in the T&C. the next day they send me email rejecting the cancellation because I’ve signed a LOA in may even it’s invalid. Today I received a letter from a bailiff again asking me to pay my debts to ACM. Hope I was clear enough if you want more info please ask me. Can you advise me please

Hi I've received my sar back from MBNA but it never included my payment history I called them and they say they no longer have them I was hoping to check if I had any ppi to come back they also my sold account onto arrow global who then obtained a ccj how can they do this if they have no record of my last payment on the old MBNA credit card as it could of been statute barred

Good Morning all! i hope all is well! Has anyone here claimed for PPI with Vanquis? I no longer have the account as i paid it off and closed it as the % was horrendous but it did increase my credit score from 325 to 850! Any advice would be greatly received Thanks in advanced Graham

Lloyds issued with legal directions for PPI breaches READ MORE HERE: https://www.gov.uk/government/news/lloyds-issued-with-legal-directions-for-ppi-breaches

Hello I am just about to commence a PPI re-claim on an old Alliance & Leicester personal loan. There appears to be a number of addresses to where the SAR letter should be sent. Can anyone please confirm which is the best (correct) one to use. The options I have are:- Customer Services, Santander Consumer, Santander House, 86 Station Road, Redhill RH1 1SR. Alliance & Leicester Personal Finance Limited Building 3 Floor 2 Carlton Park Narborough Leicester LE19 0AL Santander (Abbey, Alliance & Leicester) Abbey National House 2 Triton Square Regent's Place London NW1 3AN Santander SAR's team P.O. Box 1111 Bradford BD1 9NQ If non of the above are the correct address, I would greatly appreciate info. on where it should be sent. Thanks James

Can anyone help me please to a massive question ,,I Hi there , can anyone help me please on what I should do , I have had 2 loans from welcome finance in 2003 , I had 1 in 2004 and also a secured loan in 2005 , I still owe for the secured and haven’t been in touch with anyone since I received it and then sold my house , can I and should I claim Ppi , can any give any answers to this please , thank you

Hi..... Just a quick question. I have just been going through some old bank statements trying to find an old Humber Finance payments as I'm sure I had a loan with them. I have instead come across Associates Capital loan payments....from 2002. Am I to understand that CITI financial is Associates Capital? I have already claimed back PPI from CITI from loans in 2007 but i don't know if the loan from 2002 was part of my claim. Any ideas please. Thanks.

I cannot believe how useless FOS is: Investigator ruled against me because I must have accepted an online question that I wanted PPI: he sent me screenshots of questions re PPI but not my screenshots since i never seen them before. my gdpr did not contain them, my cca regulated agreement contained nothing about ppi… he says fos is not interested in cca agreement or what is in gdpr … cca is a matter for fca.. not fos disgraceful appalling service... i feel a need to complain about this investigator i have sent an email complaining about the fos guy essentially he has assumed that i saw an online form and replied i did want ppi… but he has not offered any evidence that i was offered or even accepted or declined

Hi all, newbie here. Firstly, sorry this is a bit long, but I could do with some advice. I've used all your excellent advice to start a claim with M&S for mis-sold PPI. I took out a store card with them back in 1998, which was changed to a credit card in 2003 when they stopped offering store cards. Store card customers were pre-approved. I took out the store card in store at the sales counter with just the normal sales person there, and I took out the PPI on the card at the same time. I chose to do this deliberately. I wasn't given any advice about whether this was appropriate for me by the staff member, and to be honest, it wouldn't have occurred to me to ask whether the insurance was even suitable for me. I was 28 with three kids under 5 and rushed off my feet! When I took out the policy I wasn't working as I was at home with three small children. M&S send out a policy review every year, but this year was the first year I actually checked it - I've never done it before because I didn't realise I needed to as far as PPI was concerned, and to be honest, they send these out in an envelope that looks like it's just marketing materials rather than actually anything important, while I don't remember looking closely at one of these "statements" before, often I expect I've just chucked them out unopened. My statements all say that there is important information enclosed on the envelope so I always keep and open them, but not the other stuff. I assumed, naively and stupidly apparently, that because I'd taken the insurance out, it would therefore have been suitable for my needs. It just didn't occur to me that it wouldn't - after all, every other insurance I'd dealt with at that point, car, house, etc, was fit for purpose. But anyway, the annual review certificate I got this year says on the front "employment status - not working". When I checked the policy details, it said that if I was working less than 16 hours a week, I wouldn't be covered. So all this time, I've not actually been covered. If I'd been asked whether I was working at the time of taking out the card, I would have told them I wasn't. I've never thought to check since about whether I was mis-sold as I assumed that because I'd taken it out myself I wouldn't have a claim, but a friend advised me to look at the mis-selling criteria and I'm sure I have a case. I wrote to M&S back in July explaining that I thought I'd been mis-sold because the policy clearly wasn't suitable for me as it wouldn't have paid out if I'd made a claim, and although I'd chosen to take it out, no attempt had been made to explain it to me, and it was made clear that taking out the insurance would help my application. I had no reason to doubt the sales-person's honesty or integrity - this was 1997, after all, way before any sort of scandal about mis-selling, and at the height of the consumer credit boom. So, fast forward to today, when I phone M&S after getting 4 texts from them on Friday telling me to contact them urgently. I spoke to a nice man who said that there was a letter on the way, but he would tell me what the letter said. They've rejected my complaint because they said I ticked the boxes on the forms, which I did, (and which I told them I did, I've always said that I chose to take it out), that their staff member wouldn't have given me financial advice when I took the store card out (which surely they should have done if they were selling me a financial product?), that I also took out the PPI when they changed my store card to a credit card, and that in the years since I have had ample opportunity to check the terms and conditions of the insurance. I have obviously had the opportunity to do so, and that I didn't is my own fault, but I really had no reason to suspect I needed to. As far as I was concerned I was paying my premiums every month and I was covered if anything happened. They also say that the terms and conditions were on both the credit agreements and that therefore I knew what I was agreeing to and that any error is mine and nothing to do with them.They're sending me copies of the original agreements, but apart from the commission part, which they're paying me for, they've refused my claim. There were periods in the last 20 years where I was working more than 16 hours a week, but it wasn't for more than about 5 years in total, but at the time I took out the insurance I wasn't working, and at the time the card was changed over I wasn't either. Part of me feels like an enormous idiot for not checking the terms and conditions sooner, but honestly, it just didn't occur to me that I would have been mis-sold something so long ago, or that I could even have a claim, because I made a choice to be responsible and to take out the insurance myself. I just left it to run and run in the background because once it was there I didn't feel that I needed to check it again. And I feel that they rely on you doing that, but to then use it against me to refuse my claim just makes me angry. I've also sent them an SAR asking for copies of all the agreements and the terms and conditions that would have been in place at the time, along with copies of missing statements so I can plug it all into a spreadsheet and work out what I think they owe me. However, while I strongly feel that I was mis-sold this PPI, am I actually right? I don't want to accept this from them, I feel I'm at least due my premiums back for a policy I couldn't have claimed on, regardless of anything else. But am I right to fight this (it feels to me like they're just trying it on, to be honest, to see if I'll give in if they're nasty enough) with M&S? I'm happy to take it all the way, if necessary, as this has become more about the principle now than the money, so it's off to the Ombudsman if I don't get any joy from M&S, but am I just kidding myself here that I've got any way of winning this? I am stubborn and angry and quite prepared to make a fuss about this, but I just need to know if I actually have a leg to stand on before putting all the effort in - I'm not well and don't have much energy to spare so I like to make sure it's worth expending before I start.... I'd appreciate any help or advice anyone has, this is all a bit of a minefield! Thanks in advance

Afternoon, Am wondering if you could look at this please - I sent a generic letter through "Which" website and got various replies from RBS - saying on some no PPI was included, others I had already claimed back but I got these 3 replies (Wife & I) rejecting our claim. Was wondering if worth pursuing with a SAR etc. I had to convert a pdf file to word so apologies for how it looks - have highlighted part I thought strange, I needed to have PPI for a minimum of 4 years on my mortgage. RBS PPI Rejection.doc

I have just had a reply from MBNA saying I am not eligible for any redress as I was declared bankrupt, this is not the case as I was in an I.V.A. which is now completed. Also the debt is now run by Max Recovery, what are the options?

Hi i recently made a PPI claim to Car Giant. First of all they said they could find no record of me taking out PPI. But i found the documentation so they had to admit i had it. I filled in the complaint form and received a letter within days. However they are saying they wont admit i was mis sold it as the manager in charge at the time has since left. But they will refund the full amount but will not pay the interest. The total amount i paid is about £1800.00 over ten years ago. Surely by offering me this they are admitting responsibility. And surely i should receive the interest on top. I would be grateful if anyone can advise me if i should dispute this.

A few months ago I enquired about PPI on some old Egg Loans I had in the early 2000's. This morning I had a letter from Canada Square with their decision. On one policy did not have any PPI on it but the other 2 did and they have upheld my complaint. It says the total redress is £4,256.55 but that out of that amount I am only getting £2,168.60 because of a Final Loan adjustment £1,849.17 is going to a company called Arrow Global Receivables who my loan was transferred to in 2011. There is also a deduction of £2,365 listed as "Less any previous rebate paid" I was never paid any other rebate but perhaps this is something to do with my not paying off the full initial loan after entering the trustdeed? To be clear I took out the loan in 2002, and increased it twice in the following year to about £11,000 total. I then entered into a protected trustdeed in early 2006 which this loan was included in. The trustdeed was finished in 2009 and I had no idea that the loan account was still open. I will attach a pdf of relevent info from the decision letter. I know I am lucky to be getting anything at all given that I have been in a trustdeed but I just want to check that the amounts seem right and that them taking the other money off is right and fair. Thank you for your help! Also to let you know I did send a SAR to Canada SQ at the start of June but they didn't accept my inital change of address ID and then didn't get back to me for almost a month so the sar info will take longer to recieve. Should hopefully get it in a few weeks. A trustdeed advisor (not my former trustee) has told me that she doesn't think that the payment to Arrow should be made considering I have completed a trustdeed. She has advised me to call them to make it clear I have been in a trustdeed and get a reason for why this payment is being made to Arrow. I am a bit worried about calling them and discussing the trustdeed in case it affects my chances of getting any payment at all. At the same time it is a lot of money to lose if the payment to Arrow is in error. egg letter.pdf

Hi guys A quick question... I am trying to find out all the agreements numbers from pre 2010 loans I had- personal and business accounts( because for i.e black horse only says it can only go back 8 yeras), I tried through a normal credit report-experian - i see the loan history but no agreements numbers, i tried a full SRA from equifax which i got today, but no agreements numbers, i did request full SRA from the banks which i am hoping it will give me reference/ agreements numbers on the statements but if not what can I do? Is there any other way, because it seems a very easy way for lenders to get away with paying back PPI?!! Sorry guys is there anyone that can advice me please? I am going to get this info through my banks SRA request? where I will be able to see in the statements the direct debits reference numbers? Or for i.e in the case of black horse do they have to provide me with all loans details for loans taken out pre-2010? Thanks

Hi all...some advice needed. I originally put a ppi claim in against barclaycard in 2011 using a claims company which after about 2yrs was rejected. Fast forward to 2016 and I received a letter from barclaycard stating they were reopening my case. They asked me to go online to their site and reapply.. Which I did with no reply. I went back online last week and reapplied again. Received letter Monday saying they were sorry that I had to reapply online again and they would look into it straightaway. Received letter today rejecting my claim as the policy started in 1996 and ended in 2001 and seeing as I applied by post they didn't give me any advice on it. I made my own decision whether I required the the policy and could have benefited from this. Has anyone had any success after receiving one of these letters from barclaycard and if so what should I do now... Oh and they state I carnt make a plevin claim as the policy Was signed for before April 2007 but closed before 2008

Hi I posted a few months ago about chasing old PPI and this particular one is very long winded dating back over two years. Its particularly interesting because they admit PPI on a business overdraft but wont pay it back and more importantly they continued to take money from a totally unrelated separate personal joint account for two years without my permission(though they have paid me that back) Scores of letters but I have uploaded the relevant ones here for your help. I discovered PPI on a business account and asked them to repay me to which they refused saying I had signed for the product Letter tennis ensued for over two years whilst they sorted out other PPI but consistently refused to be drawn on this particular matter. docs .pdf

Having signed up here not too long ago in my quest to ascertain my rights with regards to whether or not I may have a valid claim against BMW Financial Services and/or the dealership that sold me the car, I now believe that I have been mis-sold PPI. In addition I also believe that the PPI product sold to me was misrepresented by the dealership. My reasons for posting here is to share my thoughts and to receive informed opinions and advice from the experts on this forum as to the validity of my beliefs. As such, any informed opinions or advice on the way forward will be hugely appreciated. Background: I purchased a BMW in April 1999 on a 36-month 'Hire-Purchase Agreement regulated by the Consumer Credit Act 1974'. This agreement was signed at the dealers' premises on the day I took delivery of the vehicle (30th April 1999). Having obtained a copy of the original credit agreement from BMW Financial Services, I see that PPI was definitely charged. I already had all bank statements (bar 3) showing the monthly payment, including PPI, being debited (via direct debit) in favour of BMW Financial Services. I also noted that the Agreement Number was handwritten but all other details were pre-printed, including the PPI Payments (referred to as ‘Credit Insurance premium payable with each rental’). The monthly payment made via direct debit included this premium – a total of 35 payments were made between 4th June 1999 and 4th April 2002 (inclusive). I then raised a PPI claim via resolver.co.uk stating the reasons as to why I believe the PPI was mis-sold. BMW Fin. Services wrote back stating "....can confirm that our records show that you were not sold a BMW-branded policy with your agreement" and goes on to say "You may wish to contact your BMW Centre to check whether you purchased a non-BMW-branded policy from them". The agreement clearly shows PPI being added (paid monthly, not front loaded). The agreement is signed just below a sentence stating "Signature on behalf of BMW Financial Services (GB) Limited accepting this Agreement". As such, this is where I believe the PPI product was misrepresented (I.e. nowhere was it apparent that there was another party involved other than the BMW dealership (Park Lane) and BMW Financial Services. Following the above I then wrote to BMW Park Lane forwarding the correspondence from BMW Financial Services and the PPI claim case notes downloaded from resolver.co.uk. Received a response from the Compliance Manager stating that my PPI claim was rejected, but no mention as to why I was sold a 'non-BMW-branded' PPI product. The reasons for rejection appear to be standard response, which has no bearing to my circumstances as they were in April 1999, further reinforcing my view that the PPI policy was mis-sold (i.e. they seem to hold that the fact that I was in fulltime employment at the time was a sufficient reason to take out PPI, notwithstanding the fact that I had life, critical illness and sickness cover from my employer, and had good grounds to be certain that I will not be made redundant, and if I was, then my remuneration package would have covered the outstanding balance). It appears to me that the dealership has implicitly acknowledged that they sold the PPI policy, but there is nothing with regards to it being a 'non-BMW-branded' product. As such, where do I stand with regards to the following, and what would be the best way forward; Pursuing the PPI Claim - BMW Park Lane have not stated that the correspondence I received reject my PPI claim was their Final Response, which I gather needs to be the case before I take the claim to FOS. Until 26th June 2017 I did not know that I had being sold a 'non-BMW-branded' PPI product since there is no indication whatsoever in the agreement I signed, and I don't recall BMW Park Lane even discussing the PPI policy with me. Their recent response also indicates that they did not know my circumstances, and did not attempt to understand them before adding PPI to the agreement. There was now clear way of refusing the PPI product when signing the agreement. Any and all advice gratefully received. Thanks in advance.

Hi has anyone had any success with claiming money back for the mis-sale of PPI through the Next Directory Store card. I have been told by NEXT that I have paid £1, 130 PPI since 1991. I have made a claim via the PA(GI) ltd , outcome expected next week, but have not seen any successful claims on any forums. Any success stories would be appreciated. Thanks

Hello I know I had taken out loans when younger to buy car /bike but was long ago 1989 to 1994 No longer find any paper work I had made note occasional in my diary those years when needed and put them on to outlook on computer Some of the events 02/05/1990 Mercantile £4K , 5yrs protected £127.84 Premium £17.10 16/02/1992 £9,500 7/1/1992 £2500 , 4yrs £133month I even have the dates that contacted bank about my direct debits dates when i took the loan paperwork into Manchester My notes state I even had letter from their solicitor when had few issues but made no note who they were I eventually paid all loans off several years later I found out that Mercantile was taken over by Barclays So I filed for complaint on 11 July 2018 this year with my old address, dob , and the 3 dates referring to the loans I have received letter 3 days later after calling them by phone with 4 ppi references to use instead of complaint reference. Cannot find any loan under my name , address , dob Sorry with finding your account we cannot investigate so my complaint is closed. Called them today and explained my outlook notes , they have asked for that list to be sent. Stated that they only keep records 6yrs , so am curious how do I make claim and prove when i have all these dates if internal records are just 6yrs. Am I correct to assume that successful claims seems to be actual statement or loan account details Even call credit group checks don't have my old original address Do I give up ? What else can I try , I feel sending my list in wont help if they cant even find my name and address Help and info appreciated

In 2012 I entered a Protected Trust Deed. The reason for the TD was quite simple the RBS wanted to get a decree for a loan in arrears but not defaulted, which would have allowed them to apply to get a unsecured loan converted to a secured loan on our house and then push for enforcing against the house. This was straight from RBS lawyers at the time. So the trustee gave us a letter for the court which stopped that. But end result was a 5 year protected trust deed. Before we got to that stage we did attempt to claim for any mis-sold ppi we had with RBS to be told we had none. Our Total debt to RBS was approx. £15,500... Fast forward a couple of years. I was discharge form 5 and no PPI was found by the trustee (standard procedure to check).. Funny thing was they found PPI for my wife with RBS .. I was now fully discharge form 6 also. The bank sent a letter to my wife saying they who could only pay out 50% because it was in joint names with someone else... only person that could be is me.. Now as I'm fully discharge and trustee have stated they are not interested in any PPI which is in my name. I asked RBS to recheck using the account number on the Wife letter. Low and behold they have found 4 accounts totalling over £17,000 worth of PPI not including interest dating back to 2004 and 2008 and onwards on car loans, personal loans etc most of it was front loaded onto the loans etc. with the resulting extra interest. The PPI is enough to have easily cleared the original debt to RBS. I don't know if they will refund it but that's a different story.. but they did on the wifes 50% as both of us where working and both our employer had sickness policy's in place 6 month full wages then 6 months half wages. Surely getting told you don't have it when you did must surely be a big no no. If the point of a PPI reclaim is to put the person back to the position they would have been if the PPI was never sold. Or if they had allowed us to claim on the PPI we would never have been in the Trust deed in the first place. Now how would you proceed. Thanks Ed

is there a max time banks have to reply... i have had a few say its taking us a little longer and a couple who sent me an offer 10 days ago... still waiting...

i had a HP agreement in novemeber 1998 for a car taken with welcome finance. Recently i thought i would try and find out if ppi was included. I was young and silly at the time but needed a car. Through writing to WElcome -i have found out i did have PPI and what the premium was paid including the dates taken out and also a policy number. - all paid off i may add. Welcome have stated they dont know who the underwriter is with?? i have contacted: Aviva Llyolds in relation to this and both even after quoting policy number etc have denied being the underwriter?? I,m not sure who else to contact in regards? anyone else have any underwriters for arround that time that i can contact please? any help would be appreciated. thanks

Hi all, Santander have made an offer based only on the PPI amount and associated interest and no interest because... 'On a rolling line of credit account 8% out of pocket interest is only applied if the loan would have had a credit balance had the PPI not been included. ... This is in line with the requirements of the FOS and FCA' I believe this to be complete nonsense: I take a restitution approach with unjust enrichment. Had I had the PPI amount then I could have invested it and gained at least 8% interest. Has anyone challenged this and been succesful? Do you agree with me? How do you challenge their full and final offer? A letter first stating the argument I assume then ... FOS seem to be under pressure and likely take a while??? or... direct to county court? I have exactly the same argument presented to me for no interest offered on my Credit Card PPI.... Any advice would be helpful... thanks

Since the age of 22 I have always had a Bank account, with loans and credit cards with miss sold PPI. The problem that I have in 2003 I cleared all my debts and paid of all my loans and moved abroad. Whilst abroad some trouble happened (third world country) and I needed to use the card for I think £3000 and bank account for £500. I did intend to pay it back but stupidly didn't as I didn't return to the UK until 2007. I checked my credit score and nothing had been registered. This is now some 11 years later. Now would there still be interest being added to these or would they freeze it. would they have sold on the debt????. I had some very expensive loans from my marriage and when I was single these were always all paid back. It wasn't even a stupid mistake withdrawing the money and I don't regret it. a young local girl had broke her leg and the family did not have the money to have the operation to repair it, so it was going to be amputated and the money prevented this from happening. So am I better off letting sleeping dogs lie or go for the PPI claims?