PPI payouts.... new info for anyone previously refused

[DHE]

ambuletz said:

theboss said:

I

What’s the best thing I should do? Ignore the questioning or phone and tell them I don’t recall any details?

answer it as much as possible. your circumstances around the time define whether it was suitable for you or whether you would've been eligable to claim on the policy. some things are important like your employment status at the time, other things less so like whether you know if it was a single premium or monthly one. you're going to fill out a very similar questionnaire even if you brought your complaint to FOS.

As above, it's all about building credibility with your claim.

[bmwmike]

So if a bank respond with a question aire does that mean you probably had PPI ?

I speculatively submitted to all banks I ever had any dealings with and lloyds came back with a questionnaire. I didn't bother filling it in because I couldn't be arsed as I don't think I had PPI anyway.

[DHE]

bmwmike said:

So if a bank respond with a question aire does that mean you probably had PPI ?

I speculatively submitted to all banks I ever had any dealings with and lloyds came back with a questionnaire. I didn't bother filling it in because I couldn't be arsed as I don't think I had PPI anyway.

it doesn't mean you had PPI, it's just their process.

[ambuletz]

bmwmike said:

So if a bank respond with a question aire does that mean you probably had PPI ?

I speculatively submitted to all banks I ever had any dealings with and lloyds came back with a questionnaire. I didn't bother filling it in because I couldn't be arsed as I don't think I had PPI anyway.

the whole point of the questionnaire is to say why you never needed PPI or how was you mis-lead into taking it out. PPI is an insurance to cover you incase you couldn't meet your payments.. so you must have a reason on as to why you was confident you'd meet all the repayments.


so for everyone on PH they'll be saying 'hey mr bank, I never needed PPI on my credit card because I was a powerfully built company director with tons of savings and extensive sick pay, death service and/or redundancy packages with a 6 figure salary, so give me back that £500 in PPI because i could've easily paid of the balance and never needed insurance.. even if I did lose my job I had five barges that I could've sold to meet the repayments, or could've refinanced my mortgage, or SWMBO would've paid it off for me before she went off with another man'.

[Zippee]

I got refused recently from Barclaycard as although I had PPI way back in 95 through to 2002 and was a full time student from Sept 96 to 99 I couldn't remember if my employer at the time of application paid sick pay or not. They have assumed they didn't (I can't prove either way) and as such deemed the PPI would have been a valid sell.

[EarlOfHazard]

Zippee said:

I got refused recently from Barclaycard as although I had PPI way back in 95 through to 2002 and was a full time student from Sept 96 to 99 I couldn't remember if my employer at the time of application paid sick pay or not. They have assumed they didn't (I can't prove either way) and as such deemed the PPI would have been a valid sell.

Barclaycard initially refused me on my PPI application; but then I stumbled across a PPI certificate that had been provided. It turns out that I only paid PPI for one month before cancelling (this was back around 2003ish), so was not a lot. But the interest over the years mean that I got about £150 back..

[CoolHands]

None of us can remember that far back so what’s important is to state that you did get sick pay, you didn’t want this product, you were told you must have it. I await a dogooder to tell me how wrong that is and how the poor shiny-suited conmen aka the banks were doing a good job.

[pavarotti1980]

I recently made an enquiry through resolver to NRAM for a loan which i had with Northern Rock in early 00s as i didnt have paperwork and couldnt remember having PPI

They said they would check their records, came back with an offer of £3500 even though they couldnt provide any information on the loan application at the time. Seemed a strange stance but i have happily accepted their offer and just waiting for the cheque

[Jackarmy100]

On the back of this thread, I applied to MBNA on a card I had years ago but never used. Hence a ppi refund of £12!!

However, I also applied to HSBC for a loan I took out in 2000 for £10,000 to buy my first new car after finishing uni.

I remember sitting in the branch catagorigally saying I didn’t was any insurance etc. However, some was applied nefariously it seems.

So tomorrow, HSBC are kindly reminding me £2538.10.
Result!!

[RTaylor2208]

After some info posted on here, I did a check via citibank for old egg loans and card that I had back from around 1999 using the form here:

https://www.citibank.co.uk/personal/ppicheckerform...

I literally had no information, they came within 5 days back telling me I did indeed have PPI on the egg card and 2 loans. Submitted my complaint via the links on the same citibank site and another 7 days latter received a letter stating I am due a refund of £1306 for the egg card

Waiting to see about the outcome of the loans but I nice little result as I was fairly certain I did not have PPI in the first place.

[Zippee]

CoolHands said:

None of us can remember that far back so what’s important is to state that you did get sick pay, you didn’t want this product, you were told you must have it. I await a dogooder to tell me how wrong that is and how the poor shiny-suited conmen aka the banks were doing a good job.

Can a no decision be appealed then? I know I was young and naïve and certainly wouldn't have known the ins and outs of it back then, though I do know now just how hard a targeted sale it was for the providers of PPI.
I also, hand on heart, have no idea whether I'd have had sick pay at the time. I was working as a cashier at a petrol station, full time and fully contracted with a set working week whilst saving for a year to start Uni. I believe I would have had it thinking back now but have no way of proving this one way or another - I think I made the mistake of telling Barclaycard this when they phoned to go through a few details.

[DHE]

Zippee said:

Can a no decision be appealed then? I know I was young and naïve and certainly wouldn't have known the ins and outs of it back then, though I do know now just how hard a targeted sale it was for the providers of PPI.
I also, hand on heart, have no idea whether I'd have had sick pay at the time. I was working as a cashier at a petrol station, full time and fully contracted with a set working week whilst saving for a year to start Uni. I believe I would have had it thinking back now but have no way of proving this one way or another - I think I made the mistake of telling Barclaycard this when they phoned to go through a few details.

If you feel the no decision by the bank/lender is wrong, you can appeal to the Financial Ombudsman.

[DHE]

Zippee said:

Can a no decision be appealed then? I know I was young and naïve and certainly wouldn't have known the ins and outs of it back then, though I do know now just how hard a targeted sale it was for the providers of PPI.
I also, hand on heart, have no idea whether I'd have had sick pay at the time. I was working as a cashier at a petrol station, full time and fully contracted with a set working week whilst saving for a year to start Uni. I believe I would have had it thinking back now but have no way of proving this one way or another - I think I made the mistake of telling Barclaycard this when they phoned to go through a few details.

If you feel the no decision by the bank/lender is wrong, you can appeal to the Financial Ombudsman.

[ambuletz]

DHE said:

If you feel the no decision by the bank/lender is wrong, you can appeal to the Financial Ombudsman.

to be fair they need to read their letter properly. the business' final response will always have referral rights at the bottom stating they have the right to refer it to FOS within 6 months if they disagree with the response.

[Patch1875]

Patch1875 said:

Got my RBS Plevin offer through, £250 which is mainly interest on around £90 refund.

Hope my Bank of Scotland is a bit more!

Seeing this thread again reminded me I need to call them again letter in January said 6 weeks still not heard 8 months later.

[theboss]

DHE said:

ambuletz said:

theboss said:

I

What’s the best thing I should do? Ignore the questioning or phone and tell them I don’t recall any details?

answer it as much as possible. your circumstances around the time define whether it was suitable for you or whether you would've been eligable to claim on the policy. some things are important like your employment status at the time, other things less so like whether you know if it was a single premium or monthly one. you're going to fill out a very similar questionnaire even if you brought your complaint to FOS.

As above, it's all about building credibility with your claim.

To update... I ignored the advice here, ignored the questionnaire from Lloyd’s and a few weeks later got offered £2126 for about £500 worth of PPI payments made on a loan about 15 years ago, which I swore I had never accepted.

[98elise]

Jackarmy100 said:

On the back of this thread, I applied to MBNA on a card I had years ago but never used. Hence a ppi refund of £12!!

However, I also applied to HSBC for a loan I took out in 2000 for £10,000 to buy my first new car after finishing uni.

I remember sitting in the branch catagorigally saying I didn’t was any insurance etc. However, some was applied nefariously it seems.

So tomorrow, HSBC are kindly reminding me £2538.10.
Result!!

I once had a massive argument with my bank when a payment for insurance payments stated leaving my account.

I had a credit card that I paid off every month, and that was the only "loan" I had. it was circa £200 per month, yet they were taking £50 a month in insurance. I contacted the bank and they assured me that I had agreed to it in a phone call.

I have never in my life taken any insurance out other then the standard House/Car/Life. I certainly would not agree to anything over the phone. I always answer those types of calls with "I'm not interested in buying anything".

They could not back it up with any paperwork or recorded phone call, but still they only backed down when I said that I considered the money to have been stolen from my account!

[RTaylor2208]

After my recent success with claiming back PPI from Egg for an old credit card and loans, I thought I would contact every other lender I could remember using in the past.

The first to come back is NRAM which were Northern Rock for a Mortgage I had back in 2003 for £60K. Made my complaint today so will see how that goes.

Has anyone else successfully claimed back from Northern Rock on a mortgage? From what I have read these seem to be less successful.

[Zippee]

theboss said:

DHE said:

ambuletz said:

theboss said:

I

What’s the best thing I should do? Ignore the questioning or phone and tell them I don’t recall any details?

answer it as much as possible. your circumstances around the time define whether it was suitable for you or whether you would've been eligable to claim on the policy. some things are important like your employment status at the time, other things less so like whether you know if it was a single premium or monthly one. you're going to fill out a very similar questionnaire even if you brought your complaint to FOS.

As above, it's all about building credibility with your claim.

To update... I ignored the advice here, ignored the questionnaire from Lloyd’s and a few weeks later got offered £2126 for about £500 worth of PPI payments made on a loan about 15 years ago, which I swore I had never accepted.

I really wish I'd done the same as you as I think that was the reason for my refusal. How on earth am I supposed to remember if I had sick pay in a job 23 years ago? This was the main crux of their refusal, I was employed, likely didn't have sick pay and therefore it would have been a valid policy.

[Efbe]

anyone know how to find out who underwrote toyota finance around 2008?