Hi hope someone can help me. We had a loan with future which was taken out in Nov 2003 and the broker was Purple Loans which is now part of GE Money. We wrote to Future before Christmas with regard to mis sold PPI they got back to us and told us it was Purple we had to deal with as they made us take the PPI we wrote to the address then we had to write to GE as they now own Purple. GE have replied to say as it was before 2005 and as more than 3yrs has passed we should have had cause to complain also since it was more than 6yrs they or the FOS are unable to help or to do any more and this is the final response letter. We are owed over £1700.00 of this PPI which we know now was forced on us the loan was paid out in 2006 and no rebate or any thing was ever paid back. So what we need to know is there anyone who can help as our next step is or where to go.

I have recently sent off my initial letter to Barclaycard claiming that I had been missold my PPI on my Credit Card. they have responded with a letter containing a questionnaire. Some of the questions refer to how I made the original application etc... Sadly I do not remember a lot of the information they are requesting. Is it my responsibility to answer these questions (even though they presumably know the answers themselves) or should I ignore it and go to the next stage? In addition I would like some advise regarding over limit charges. I have ALWAYS paid the minimum repayment on my card each month. however, at some stage a year or so ago my card has gone over its limit. This must have been to do with charges as I have not paid for anything on the card for many years. As my direct debit is instructed to take the minimum payment surely this should always take enough to avoid my account rising above the agreed limit. I am now being charged £12.00 per month along with PPI insurance and interest. It is staggering and because my card is over the limit I am unable to take out a 0% deal with MBNA. My credit file is otherwise unblemished and (for what its worth) currently reads 999/1000 with Experian. Please advise!!!

Hi people, I had PPI on a loan with one of the credit card companies. I'd forgotten that I had it. I ran into financial trouble a few years back - and although they agressively hounded me for money, they never once said PaulS43, there is Payment Protection Insurance with this loan - let's see whether a claim can be made I believe that they kept quiet about it because they had a financial interest in so doing. Would it be fair to say I have a case for asking for the return of the premiums? The company have written to me to tell me that They didn't remind me I had PPI because they are not obliged to. I won't print what I think of this - I'd rather hurt them in their pockets. Do I have a case?

Hello All! I sent a letter of complaint to Halifax customer relations in August of this year. The complaint related to many areas where I felt we had been very badly treated as customers. Included was the mis-selling of ppi insurance on our personal loan. The main complaint with the ppi was not the fact it was mis-sold to us and we were not elegible to claim, but just 9 days after we agreed I tried to cancel but couldn't. We were told the only way of removing the insurance was to entirely replace the loan with a new loan. However the rate quoted for the new loan was more than twice the rate of the first loan! So in short, this was not cost effective and we were basically forced to keep the insurance! Anyway a couple of weeks after sending our letter of complaint we received a response from Halifax customer relations. The letter basically stated that they had investigated the complaint, and offered to return us to the position we would have been in had we not been mis-sold ppi on our loan (+8%). It went on to say that it had been passed to their redress team to calculate the amounts payable to us, and they would contact us within 5 working days to confirm these calculations. This however did not happen. We called almost daily for four weeks after the five day period originally promised by them. To begin with we were told that they had a back log but we should be fully redressed in the next few days. Then we were told that they did not have a system to calculate how much we were owed...and they were currently working on a system to do it. Apparantly it was a very complex calculation...because we did later replace the loan...so we paid too much interest on loan 2 also. (I was able to calculate the compensation payable myself in about 15 mins?? So why can't they?) So we continued to chase Halifax daily, until the beginning of October! We were then told that they were sorry but they were no longer processing my complaint!! (Due to the judicial review) Apparantly they were holding all cases that may be affected by the results of this review! even though they had fully investigated my complaint and were in the process of redress!! I do not believe that they could not calculate my compensation in 6 weeks...think they were stalling for this judicial review! The same day they told me this I submitted a claim through the small claims courts. They have 14 days to respond initially and if they don't I can file judgement and win by default. Unfortunately they filed yesterday an acknowledgement of service with only hours of the 14 days left to spare. This gives them another 14 days I believe to build a defence? Or deal with the claim? The copy of the response arrived in the post today....titled acknowledgment of service...ticked I intend to defend all of this claim...and signed by a litigation lawyer. Do you think I will be ok here? They did write to me confirming that they would pay out. (will this stand up alone in court?) Will it go that far you think? Any comments, help appreciated. I will keep you posted as things progress. Apologies for any bad spelling / grammer...I'm tired... hope it reads ok.

I first wrote to HFC Bank to reclaim PPI on 03/08/10 at the Exeter address where I signed the original agreement. They had moved, but I didn't know that and so wrote again on 06/09/10, and thinking they had just ignored the letter got proof of post which eventuall returened to me as "Gone Away". Not many businesses that size don't forward their mail, I'd think. Anyway after that I googled a bit harder and got the number for their centralized PPI people who gave me an address and promised to give me an acknowledgement within a week. This was on 30/09/10. That same day I wrote to them and have only received a response, dated 01/11/10. The response fobs me off with talk about the court case mentioned elsewhere. Do you think I can write to FOS now since it's not my fault they closed their branch without forwarding mail? or should I wait until the end of the month after writing to HFC saying I don;t accept their fob off?

Hi, just posting about the last "difficult" creditor I have. I had a massive paycut, followed by a year of ZERO income, which is how I got into this situation. (Full detail on Intelligent Finance thread) Long story short I wrote to both in Dec 09 with full I&E and offering £1 until I returned to employment. Neither really responded other than with a DN followed by CCJ from Egg Loan in short space of time, and a second DN (!) from Egg Card. (They defaulted me sometime in 2009 already.) At least that stopped the fees+interest. Both are in five figures. I think these are now with totally different companies in effect, as these bits of Egg bought by different people during the Crunch? Egg Loan have now obtained a Charging Order and immediately accepted £10 per month over the phone the following week. I'd been offering them that for over two years, including post CCJ, so I can only assume they need to waste their money taking me to court for accounting reasons. Egg Card have been totally quiet since the DN. It hasn't been chased by anybody. Around April I phoned to see what was happening and the guy on the phone did a lot of muttering of "what... who... who did that... doesn't make any sense..." when looking at the notes and promised to get back to me. Never did. I am now employed again at under half of my former income, but still have the same massive mortgage AND a years' arrears on it to clear, so there's nothing in the pot for unsecured. We're living to a budget that is slightly under CCCS's figures and doing OK, and as above has been in front of a court. I don't know whether to approach Egg Card or not - what are the consequences if I don't do anything? If I do approach them will I just end up with another set of court proceedings almost immediately when they realise they've dropped the ball? On the other hand I don't want to be straight with the other creditors in 5 years' time, and then find I have to start all over again with someone that has bought an old debt. I should add there is PPI on some of the balance. I made a complaint about it which they declined almost immediately, and the letter was very much of a tone of "you can't prove it" - but that was followed a month later by the letter that went out to LOTS of people about PPI asking me to claim. I did a lot of silly things with money when I had it, but I certainly was never daft enough to sign up to PPI, so I'm certain I have a case. When I phoned about the letter the regulator made them issue I was given a lot of hoo-hah about not being able to sort it until my arrears were cleared, and then crisis mode took over and I parked it until I saw some pursuit of a final defaulted balance. (Which I never have, so far!) Do I have a problem if I've complained about it once and not pursued their nonsense "final reply" in any way? Any limitations on complaining "again" - although this time it would be coming off the balance rather than being given to me in cash. Suggestions please... but not urgent because I'm paying the tenner on the loan OK and as I say there is NO collection activity on the card. And finally - would a SAR force them to release the call centre notes on my account to me? Whatever he was reading sounded fascinating...

I am livid, incandescent with rage! The BBA have started high court action against the FSA over new PPI rules due for Dec 1st. Spoke to Barclays about my claim today and they have told me all complaints relating to PPI are now on hold. Are we being stiched up like we were with Bank Charges? I think so... and are we going to roll over and let it happen again?

Hi, I was wondering if I could get some advice on this - I took a secured loan in 2006 with First Plus, at the time I was self employed and was for a period of three to four years after the loan was started. I didn't realise the situation with regard to PPI specifically the exclusions around self employment status. The loan is still trundling along now and I would like to know if anyone believes this would substantiate a PPI claim against FP, for the reason above - I dont ever recall being asked around employment status at the time. Any thoughts around this very welcome.

Hi this is my first ever post on this site,please be gentle My sister had a LARGE refund on mis-sold PPI due to this site so I thought I'd give it a go. In August 2006 I was made redundant with a £12000 pay off from work, while living it up, the Halifax kept contacting me about the money in my account and offering appointments and advice, so my wife and I went to see them and during our advice meeting we got round to the talk of loans, we spoke of home improvements etc.etc and somehow we managed to walk out of the branch with a freshly signed loan for £28000 for home improvements. It wasn't a 'straight' loan, i believe £15000 was added as a 15 year mortgage and £13000 was a loan. What my question is should the Halifax have checked that I was actually in employment ie. Pay slips,contacting my employer etc.etc.?? Any advice would help me greatly Ps I am in the process of writing for the original agreement,should be with me next week Kind regards Jamie

Hi there I've been reading a lot of the threads about PPI and was wondering if you could give me some advice on making a claim for mis-sold PPI A brief outline of the story- Mr husband has been with TSB for some years and in approx 2005 was offered a credit card, when he recieved the card he noticed that the bank had added this PPI onto the account. He rang them up and said he did not want the insurance as he had pre-existing medical conditions which would make the insurance invalid. As we were starting our own business we must not have taken any notice of the statements with this insurance on and have been paying it ever since. Last year there was quite a lot of publicity about the mis-selling of this type of insurance so we wrote to Lloyds and asked for a refund of the premiums as we felt it had been mis-sold. The reply came back that even though my hubby had these medical conditions the unemployment insurance would have been valid so basically no he had not been mis-sold, we are not happy with this and feel we should contact them again and get them to review the decision, as this un-employment insurance works out very expensive if that is all he is covered for. They have continued to add this insurance premium to his credit card statement, and as with most people when you have a high balance and only pay the minimum your payments don't even cover the interest and PPI so balance is now above credit limit AND they charge us an over limit fee. Any advice that can be offered to help us decide if it is worth writing to Lloyds again would be appreciated

Hi all and many thanks on providing a great forum. This is my first post but I have spent months on and off reading stuff on here, there is so much interesting information! I successfully claimed for mis-sold PPI (Nationwide Personal loan) over a year ago after utilising the services of the Ombudsman (FOS). A lengthy process and utterly frustrating made worse by the banks complete incompetence and headless chicken-like behavior. One of the last letters the FOS sent to me (and to the bank I suspect) stated some conditions. These were roughly: Where the consumer agrees to cancellation of PPI and to the restructuring of the loan, the lender should: 1 (A) Arrange for the loan to be restructured, any amounts outstanding in respect of PPI are canceled and the number and amounts of future payments are the same as would have been without PPI. (B) Calculate and pay blah blah the PPI payments (refund) © Set out in writing for the consumer the amount outstanding and the number and amount of future payments under A and the details of the calculation under B. I did get a letter with the refund and a calculation of sorts, not questioning that at the moment. I did cancel my standing order (new payment would obviously be less) and awaited a written confirmation of the first part of C. I did get phone calls and letters when they couldn't collect the payment because I had canceled the SO. I did explain numerous times on the phone that I wanted to see the number and amounts of future payments (to set up new standing order\direct debit). My thinking was, a new agreement would be sent. I was told over the phone the figure I should pay monthly. I asked (and still am) for the figures to be sent in writing before I carry on paying, (which I fully intend to do) Twelve months has now gone by since first asking for the above(still no further payments made by me) Six months after last speaking to the bank, another arrears letter has arrived, now with added interest and a 7 day demand. I have again explained to someone the reasons for not paying and again requested the figures in writing and re-affirmed my intention to pay but refuse to pay the added interest. My questions are. Am I being unreasonable? Should I just cave in and pay a figure I am being quoted over the phone? What would you have done or do next? What about my perfect credit rating? Should I again complain to the FOS? Receiving arrears letters and threats does give me sleepless nights, even though I think I am in the right here, please tell me if I'm wrong. Dealing with this is frustrating to say the least. Please chip in with your thoughts and advice. Thanks in advance.

Round 2 of PPI reclaim. This time it will not be so easy, having read threads on CAG, before posting this. However, I hope I can pick up on some of the issues others had difficulty with, and hopefully, give others who have had PPI policies with these companies a helping hand. Fortunately, I have a lot of information to go on, as a result of SAR requests related to past bank charge reclaims. Story so far: Central Trust PLC arranged a joint secured loan during December 2000. They arranged this loan with Endeavour Personal Finance Ltd, an HSBC company, based iat Beneficial House, Easthampstead Rd, Bracknell, RG12 1NS. Loan Details Advance, £14,000 PPI single payment policy £3640 Total £17,640 APR 12.9% I had pursued Endeavour regarding the mis-selling of PPI and they said that Central Capital Ltd are responsible for the PPI sale and any reclaim, which I kind of accept. I have the Credit agreement- an actual original- which is a first for me. I have a record of all transactions on the account and the account no which is settled in full and never defaulted- no issues there. The account settled during mid 2003. The following letter has today been drafted and sent to Central Capital Ltd, based on my letter in another PPI thread, kennythecelt V Bank of Scotland Credit Care Bronze: Central Capital Ltd xxxxxx 2010 The Complaints Department Melton House 65-67 Clarendon Rd Watford Herts WD17 1BL Dear Sir/Madam, Mr and Mrs kennythecelt Present Address for correspondence: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Previous Address of Account: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Your group of companies ie Central Trust PLC and Debtbuster Loans, acted as a credit broker for ourselves and arranged a secured loan with Endeavour Personal Finance. The loan and account details are as follows: Loan amount: £14,000 Single sum payment protection insurance policy: £3,640, Total loan amount: £17,640 APR: 12.9% Repayment period: 120 months Advance date: xxxxxxx Settlement date: xxxxxxxx Account No: xxxxxxxxxxxxxxxxxxxxxxxxx A copy of the credit agreement with Endeavour Personal Finance is attached for your information. I also attach a copy of the historical transactions on the account with Endeavour Personal Finance, for your information, which I have received from them. I believe I have been mis-sold a payment protection insurance policy (PPI), by you and I would like to request a full refund of my premiums, plus interest that I paid on that sum ie 12.9% plus compensatory interest at 8%. This loan has since been repaid in full by me, before the due settlement date. I have been in contact with Endeavour Personal Finance regarding the mis-selling of PPI and they have referred me to you. I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation upon me as I did not need this insurance and I did not want it. Please note that the reason you arranged this loan on our behalf was to consolidate our finances. This means that you would be aware that I had financial difficulties at the time and could therefore not afford the luxury of a worthless Payment Protection Insurance policy paid up front with interest at 12.9% added for the privilege. The policy was mis-sold to me because: • It was sold as a condition of the loan being made available to me. • I had pre existing medical conditions which would have meant that I would not have been able to make a claim for those conditions. In effect, the policy was useless to me. • I did not see the policy in advance of signing the agreement to make myself aware of its terms and conditions, as you did not make me aware of them. In fact, I don't recollect ever seeing a full policy document and have no idea who you arranged this policy with- perhaps you can supply a copy of the terms and conditions of the policy document. • The policy was a lump sum prepaid policy and I had to pay you interest for that policy for the period of the loan. This was not explained to me. I was also not given the cheaper option of a monthly PPI policy, which would not have accrued interest over the duration of the policy and which would have been easier to cancel. It is not easy to cancel a prepaid policy as it is paid up front. The FSA has recommended the end of single payment PPI policies due to the number of instances of mis-selling. • The monthly payments to Endeavour Personal Finance would have been considerably less and more manageable to me, if I was not sold the policy and related interest and instead sold a monthly policy. • I was not asked by you if I had other insurances/ policies or financial measures in place which could provide me with cover if I needed it or the means to repay the loan amount. • I was not offered a choice of market placed products, but directed to a policy which you provided me with. Presumably, you had a business interest for doing so and I would like to know what this was please. • You did not take steps to ensure that the policy was in my/ our best interests. You did not make a comparison of products for my individual circumstances. • You did not inform me that you would make commission from the sale of the policy to me or what the commission was. Can you please tell me commission you received. • At the time of entering into the agreement with you, I was employed by xxxxxxxxxx Council as was my wife. You were aware of these facts as you sought references to process the loan and PPI. As we were employed in Local Authorities, in the event that we had an illness during the period of the loan and PPI policy, both my wife and I would have been provided with sickness pay for a 12 month period (6 months at full pay) which was better than the policy you provided me with. We also had superannuation scheme membership. • At the time of the policy being sold to me, we were at no risk of redundancy as we were employed in local government. The only type of redundancy would have been voluntary and the terms of voluntary redundancy would have been very favourable and enough to repay the loan. Consequently the PPI policy you sold me as a condition of the loan was worthless. • I believe that you have recently reviewed your policy on sales of PPI due to recommendations from the FSA due to complaints about circumstances such as mine. • These policies were recommended to clients such as me by your sales staff who were on commission as part of their salary and conditions of service and I was not made aware of this by you or the salesperson, who I assumed to be a member of staff not motivated by sales but with my best interest at heart, as a consumer. I now respectfully ask that you investigate the selling of the policy to me and make arrangements for full repayment of the policy amount and all interest on the policy (at fixed rate of 12.9%) that I have paid to you until the loan was settled. In addition to that sum, I require interest at 8% on the combined sum above, from the date of the loan agreement and PPI until you settle this claim with me. If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman Service and I am prepared to seek legal redress, for which I would claim costs and time in full. I appreciate that you will claim a lack of available data, but, I have supplied these to you, to help you make your enquiries. I expect this issue to be resolved within 14 days please. Yours sincerely Mr and Mrs kennythecelt

hi all i was hoping someone could enlighten me , i had a phone call on my mobile as well as my landline from this company they asked if i had any previous loans well the only main credit i can think of is 2 years ago i had finance with "Brighthouse" i had a xbox 360 (which in total i paid £600 !! for , a TV i paid in total £1100 and a laptop £546 , i remember i was not happy that i HAD to take there "Optional Service cover" (why they put "Optional!" ill never know and also i had to have "Damage Liability Cover" which i said to them that i did not want it but they said if i didnt take it i could not have finance , The guy on the phone said that there company are taking on companies who sold unnessasary Insurance etc etc which he said after i said to him what i wrote above that i should be entiltled to my money back and that they would take on the company for me but (although he said it pretty fast) i caught the part where he said that they took a 39% charge for taking on my "case" is it true that because i paid an obscene amount for a service i never wanted or used that i am entitled to a refund ? Is this is a case for "Missold PPI" ? i have kept EVERY single receipt and i have all the credit agreements for the 3 items i had any help much appreciated you guys are great thanks

About 18 months ago my wife claimed PPI back from HSBC. They were very quick to offer the money and also to get her to accept. I didnt think it was a lot but we accepted. Recently we did a CCA and lo and behold it looks like both our application forms are not valid or enforceable. No wonder they were quick to sort it out. She accepted as full and final settlement I think. My question is can she ask for a breakdown of the PPI she paid over the years and check if they have screwed us over with the payment and if they have can we put in another claim against them?