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I would just like to say hello and I am glad that I have found this forum.
I started my PPI claim journey in December 2012.
That was for a First Plus loan my husband and I took out in 2001. The loan was a secured mortgage and we were told at the time to secure the loan we had to take out the payment protection. After several months of being given the run around with no one taking responsibility for the loan, I sent the whole complaint to the FOS in January 2013. It is still with them awaiting an adjudicator. I think I will be waiting another year for a resolution yo that one.
Unbelievably, I still wasn't too aware of the PPI mis- selling scandal. I obviously heard all about it in the news but did not think any of it related to me. Then a chap told me about his successful claim against Tesco loan and then the bells rang in my head.
So, I tested the water and rang RBS as I was paying off a Mint credit card. They told me I used to have Ppi on the card until they cancelled it in 2010. The lady asked me a few more questions and it seemed the clincher was that I took the card out when I was in my 3rd year at university and was working part time less than 16 hours a week. The lady said I would hear from them within 8 weeks. I received a letter the following week telling me that I would be receiving redress of £11k! I was gobsmacked. That was at the beginning of February this year.
Then I started looking at all internet chatter regarding the mis-selling if payment protection insurance. I realised that I had a case for mis-sold ppi with
Egg card- pre ticked internet forms
Monsoon store card and
Next Directory.
Monsoon who are owned by Santander have demonstrated what a satanistic bank they are. The form was pre ticked by the sales assistant back in 1997. I was told the insurance was for claiming the difference between full price and sale items. Nothing was mentioned about sickness, employment etc. My claim was rejected by Santander as expected. I wrote to CEO.it was rejected again. So the next letter is going to Genworth who were the underwriters.
Egg card- I wrote to Canada Square Operations. They rejected my complaint. I wrote to them last week stating that they have already been punished for inappropriate sales techniques I.e pre ticked online applications. So waiting for their response.
Next Directory. Haven't tackled that one yet, as I understand they are extremely difficult and may require going to court.
Anyway that's my story so far.
I started my PPI claim journey in December 2012.
That was for a First Plus loan my husband and I took out in 2001. The loan was a secured mortgage and we were told at the time to secure the loan we had to take out the payment protection. After several months of being given the run around with no one taking responsibility for the loan, I sent the whole complaint to the FOS in January 2013. It is still with them awaiting an adjudicator. I think I will be waiting another year for a resolution yo that one.
Unbelievably, I still wasn't too aware of the PPI mis- selling scandal. I obviously heard all about it in the news but did not think any of it related to me. Then a chap told me about his successful claim against Tesco loan and then the bells rang in my head.
So, I tested the water and rang RBS as I was paying off a Mint credit card. They told me I used to have Ppi on the card until they cancelled it in 2010. The lady asked me a few more questions and it seemed the clincher was that I took the card out when I was in my 3rd year at university and was working part time less than 16 hours a week. The lady said I would hear from them within 8 weeks. I received a letter the following week telling me that I would be receiving redress of £11k! I was gobsmacked. That was at the beginning of February this year.
Then I started looking at all internet chatter regarding the mis-selling if payment protection insurance. I realised that I had a case for mis-sold ppi with
Egg card- pre ticked internet forms
Monsoon store card and
Next Directory.
Monsoon who are owned by Santander have demonstrated what a satanistic bank they are. The form was pre ticked by the sales assistant back in 1997. I was told the insurance was for claiming the difference between full price and sale items. Nothing was mentioned about sickness, employment etc. My claim was rejected by Santander as expected. I wrote to CEO.it was rejected again. So the next letter is going to Genworth who were the underwriters.
Egg card- I wrote to Canada Square Operations. They rejected my complaint. I wrote to them last week stating that they have already been punished for inappropriate sales techniques I.e pre ticked online applications. So waiting for their response.
Next Directory. Haven't tackled that one yet, as I understand they are extremely difficult and may require going to court.
Anyway that's my story so far.
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