Want to do the claim thing again.

[eyeballto]

Hello everyone..

 

Years ago on the site i claimed back thousands of bank charges. ppi complaints were only just appearing back then so whenever i took anything out i refused any ppi

 

anyway its never clicked before but suddenly at 0330 just as i was about to go to bed when a light bulb flashed above my head

 

ive been paying £45 per month since 2002 for mprtgage protection.... is this ppi.

 

came straight on the site and ive started reading threads, i will continue reading but hoping for a quick heads up in relation to my thoughts

 

in 2002 i took out my first mortgage with alliance and leicester and was sold a legal and general mortgage protection policy.. i remember being told this is a requirement of the mortgage..

 

so does my light bulb have ££££££ in it..

 

ps.. amazing the amount of bank charges that have been reclaimed since i won my case.. i remember the ££££ claimed back counter being £6 million lololol

 

thanks in advance for any advice and well done to you all

[eyeballto]

2 hours later

 

1) what i have is a £45 per month decreasing mortgage protection insurance.. currently on £150,000 decreasing 15 years left

 

so im guessing this isnt ppi at all and something totally different..

 

so.... could i reclaim this anyway if mis-sold... was it mis sold.. i dont know if you have to have a decreasing policy with every mortgage?????

 

and anyway is it worth keeping? suppose its a poicy insureing me if i get a serious illness, cancer etc... so maybe its worth keeping anyway??

[ims21]

Hi

 

Is this £45 per month included in your loan repayments or is it a separate individual monthly payment?

 

Is it the same amount every month?

 

Does it feature on your loan agreement?

 

Regards

 

ims

[eyeballto]

hi ims,

 

its been the same amount since 2002. it was sold to me as a separate policy with legal and general by the alliance and leicester. it does not feature on my loan agreement...

[ims21]

Hi

 

I've attached a spreadsheet that will calculate your claim for you including 8% statutory interest.

 

Amend the personal details in the blue section. Go to the white list section underneath the coloured bits and list the payments you have made. You need to eneter the date of the payment, a desciption (e.g. "PPI Payment") and the amount. The rest of the calcs are done for you. Please note that the spreadsheet is potected in ceratin areas to prevent alteration to the formulae. If you get a protection message it means you are trying to change the data in a protecetd cell. Also this sheet will not work if you are using MS Works.

 

When complete, print a copy and send it with a letter of reclaim outlining you reasons for the mis-sale to the company you were/are paying your premiums to, together with a completed fos consumer questionnaire which is available from the fos website.

 

Regards

 

ims

 

StatIntSheet1.xls