PPI - Some notes for Claimants - Frequently Asked Questions & Discussion thread

[means2anend]

I have an Abbey loan, and I'm 100% sure it has PPI. I have looked for my agreement but can't find it.

 

Is there a template letter for me to send to request a copy of my agreement?

 

Thanks

 

Here is your link to the library for a request for a TRUE copy of the originally signed executed agreement.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

m2ae

[geordiegirl]

my husband and I added £3000 loan to our morgage and paid PPI. my husband passed away 2004 and although the loan and morgage were in joint names I was then told only myself was covered under their policy.

I complained at the time and got no where ........ is it worth another try ?

[alanalana]

for all posting on this thread you would be better to start you own thread that way you can keep track of your own fight for PPI.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

click on this to start your own thread in PPI

[HomerJSimpson]

Edited July 6, 2010 by HomerJSimpson

[lexis200]

Already reported;)

[banksarggg]

im unable for some reason to post a new thread :

 

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

[means2anend]

You have been missold...

 

It is your choice as to whether you would like them to act on your behalf..and then they will once successfully recoup your premiums/refunds take a % out of that...OR DIY!!!

 

BUT it does look as though whilst they called it 'optional' you did in reality have NO CHOICE but to accept...

 

Also it would be interesting to see if you had to 'OPT-OUT' rather than 'OPT-IN'

 

I'd like to know how they got your number on the mobile...whilst on this occasion it may be benevolent on other occasions you may not want to be contacted on your mobile.

 

Damage Liability Cover is usually also an 'optional' add-on that is subject to the same principle as PPI.

 

Privacy Electronic Communications Regulations 2003/2426

 

m2ae

Edited August 17, 2010 by means2anend
chane o to 'to' and addin 'OPT-OUT' and 'OPT-IN'

[banksarggg]

Thanks for your reply "means2anend"

who do i write to , to ask for my money back ?

is there anybody that i could ask for help with things ?

thanks again

[banksarggg]

OMG , i just looked at my agreement form and for instance my TV was £526.87 , they added £148.09 for interest for having it on credit

at the bottom of the form it says

Total Payable : £1194.96 !!

so the rest i HAD to pay for the "Optional" service etc

thats over £500 !!

and i looked on the back and it says under the "Explanatory Notes"

 

"If you fail to pay any optional service center cover amount or DLC Premium on the due date ,the relevant contract will lapse and in the case of the DLC you may breach of your obligation under clause (8b) Unless the goods are otherwise insured against fire and theft and accidental damage"

[means2anend]

In the first instance write a polite letter to their HQ..outlining your reasons...and that if they fail to refund that you may speak to the OFT regarding this as it is obviously an unfair tactic that they have used...I think Consumer Protection from Unfair Trading Regulations 2008 CPUTR 2008

 

Also read post 244 above...

m2ae

[banksarggg]

ive had a letter back off brighthouse because i sent a letter asking for the ppi back , and this is what they put :

 

Thank you for your letter

 

"Upon advising us that you were told you have to have Optional Service Cover and damage Liability cover ,we have investigated the matter further and below are our findings ,

 

Optional Service Cover (OSC)

as the name suggests OSC Cover is Optional , This is made clear in all of our advertising at the point of sale ,this is re-inforced in the agreement guide presenter which all customers are taken through at the time the agreement is signed.

 

Damage Liability Cover (DLC)

It is a condition of our agreement that the goods purchased from us are insured,This can be provided by an appropraite household contents insurance policy,where DLC is not taken we do ask to see a copy of the household policy to verify that the goods are in fact covered ,this is made clear in the agreement guide presenter which all customers are taken through at the time of signing their agreement

 

There is a seperate signature box on the contract that must be completed if OSC or DLC are taken ,

 

i Note that from your original contracts that you have completed the boxes that relate to OSC and DLC , in light of the above i can find no evidence to suggest that you were forced to take either of these

there are no noted on the stores database to suggest any request for removal of OSC or DLC or any disatisfaction with the way the covers were sold,

 

Removal of OSC or DLC can only be done if your account is up to date ,in order to remove OSC we require 7 days nootice in writing sent to the store and then the agreement will be re-written and signed in order for the amended changes to payments,

 

In order to remove the DLC we require a copy of your household insurance which must cover accidental damage ,fire and theft and the insurane provider must be prepared to settle the remaining balance of the account in the event of a claim ,

please note that under the terms of our complaints procedure this is our final response if you remain disattisfied ,you may refer your complaint to the financial Ombudsman Service,you are required 6 months from the date of this letter ,For more information please read the enclosed guide "Your Complaint And The Ombudsman"

 

Yours Sincerly

A.T*****

[banksarggg]

i was told i HAD to have the DLC AND the OSC or i could NOT have the goods and they did NOT explain to me either , i remember asking questions and they would deter from explaining

it makes me laugh when they put "i can find no evidence to suggest that you were forced to take either of these

there are no noted on the stores database to suggest any request for removal of OSC or DLC or any disatisfaction with the way the covers were sold"

 

As if its going to say "we MADE this client take the Optional cover !!

 

i dont know what to do now

[means2anend]

HOW were you told...if by telephone then it may be recorded for 'training and legal purposes' and you could ask for disclosure under the standard directions rule...

 

I f they verbally told you that you MUST take the OSC and DLC out then an oral representation takes precedence over what was written in the contract and is in fact a misrepresentation....

 

Your problem at the moment is the burden of proving otherwise.

 

A subject access report will show whether the insurance was 'opt' or not.....

 

SAR's also show times of telephone calls they made to you but may not show the full content of the conversation.

 

m2ae

[means2anend]

Banksarrrg

 

take a look here...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?118145-Full-SAR-for-ppi

[MandM]

HI

Have a tread running at the moment, MandM V Egg card.

 

We have issues with this card but the main one is the PPI. I asked for the PPI back in 2008 and like many others I was told to get lost. In April this year I hit them again and they came back and said "we wrote to you in 2008 and the outcome of that complaint still stands.

 

Sent off the complaint to the FOS in May and have just got a letter from them telling me that Egg gave their final response in 2008 and as the 6 month deadline to complain has now gone the complaint can not be looked at.

 

I looked back at the letter from 2008 and I could not find the wording Final Response in their letter.

 

I went on to the FOS website and found a newsletter that was sent in 2001 outlining what a Final Response letter should contain.

 

 

I have a number off PPI claims for other family members and they all clearly state on their letters "This is our final response".

 

It would appear that Egg do not, they just put "we are not upholding your complaint".

 

I have emailed the adjudicator at the FOS with my argument and a copy of their Newsletter and will let you know what the outcome is.

I would be interested to know if anyone else has come up against this with the FOS.

 

Mrs M

[banksarggg]

Hi all

i was told i HAD to take it out by the staff at their shop when i signed the agreement form , you know when they take your attention off that "small" detail but everytime i asked she just kept saying "if you dont take it you wont get the goods"

does anyone think in light of the negative responses about the FOS should i let a company take it on "no win no fee" because it looks like the company brighthouse isnt budging

thanks again

[means2anend]

It's obvious that the goods were conditional upon you taking out the insurance...you need evidence!!!

 

On the face of it it 'appears' as though it was optional as you ticked the box....

 

Look at the form again and see if it was an opt-in or opt-out as well...In addition look to their POLICY...do they generally not allow persons to purchase goods without insurance...find other shoppers who may have suffered the same...In other words WITNESSESS!!!...

 

Alternatively look to their terms and conditions or any other of their literature that may tend to show that this is the case

 

m2ae

[determindator]

I had a phone call on Friday from a company telling me I had PPI on a mortgage I had 20yrs ago which I should claim for. I didn't even know I had this PPI so I will look into it. I was interested as to how they obtained this info and it seems it's been given by a Financial Data company who were given info by Building socy. Apparently, by order of the High Court all lenders had to divulge the loans which had PPI attached so customers would be informed they had this insce. This company wanted £250 up front fee but I said I wouldn't pay an up front fee. They also said they were a recognised company in a Government scheme and recommended by the Ministry Of Justice. I've got some homework to do.

[MandM]

Hi all,

 

going on from post 265 above it appears that (according to the FOS) a final response DOES NOT have to state that it is a final response as long as the bank/CC company state that they do not accept your claim and that they put the FOS info regarding the 6 months on the letter.

 

Learn something new everyday.

 

M

[dx100uk]

I had a phone call on Friday from a company telling me I had PPI on a mortgage I had 20yrs ago which I should claim for. I didn't even know I had this PPI so I will look into it. I was interested as to how they obtained this info and it seems it's been given by a Financial Data company who were given info by Building socy. Apparently, by order of the High Court all lenders had to divulge the loans which had PPI attached so customers would be informed they had this insce. This company wanted £250 up front fee but I said I wouldn't pay an up front fee. They also said they were a recognised company in a Government scheme and recommended by the Ministry Of Justice. I've got some homework to do.

 

load of garbage as are the claims of the tv advert, 'oh you can only claim six yrs!'

 

do it yourself! look in the stickies here

 

dx

[reidnet]

Ive not been on here in a long time due to personal matters etc , Long story, nearly as long as this thread..lol, I was a bit overwhelmed with the 87,000 views of the thread. I hope it is still continuing to help other in the fight over PPI. Actually just looked back the Tonight with Trevor McDonald DVD, Thank god Ive lost weight since that was filmed nearly 4 years ago now.

 

I have myself had many calls from the paracites, oops claim recovery companies for which I normally have a couple of kind words for.. Second word is normally OFF and I refer them to CAG if they want to reclaim their own PPI for free..lol

 

I was right way back those years ago when I made a comment that we may have started something Big with the PPI Rip off..

 

Hope all my old Buddies are well and have a wonderful Christmas..

 

Ian

[caro]

Wow Ian. Lovely to see you!

 

Would you believe I still haven't claimed my PPI and was just looking at the links you gave me way back when to write a letter, and saw this thread is still stickied so yes you were indeed right, and you are continuing to help people even if you aren't here. This is a brilliant example of why CAG works so well.

 

Happy New Year to you and yours.

 

Caro

xx

[dx100uk]

blimey.who opened the cupboard in the PPI tea room?????

 

dx

[Guest MamaG1]

Wow Caron, you are leaving it a bit late aren't you.

 

Happy new year to all Caggers.

[Haven72]

This may have been covered before but there seems an awful lot of information to read thru

 

Ive just got my annual plan summary for my life insurance and noticed both me and my partner are paying PPI tho i dont remember asking for it or being offered it, as it only pays out after 26weeks hardly seems worth having. Can i reclaim this back and if so how do i go about it?

 

Many thanks