Just clearing out some crap and I came across some old loan documents. I would have sworn I've never taken out PPI but apparently I had. I've only got the one bit of paper, but it's entirely possible there may be more that I took out PPI on. The one I have charged £895 for the PPI dating back to '98.
Who knows what else I might have - now forgotten about and without any paperwork?
So - if you claimed, did you do it all yourself, was it a pain or did you employ one of these dodgy companies that cold-call you and advertise on late-night tv, and if so, what did they charge?
Ta muchly!
Lack of planning on your part does not constitute an emergency on mine.
Also chips are "Plant-based" no matter how you cook them.
Comments
I'd tried to do it myself but the wasn't getting anywhere. Using the company was a last ditch thing really.. They got the refund and took 20% (I think).
Basically, I know I could have done it all myself but in 5 years I'd done feck all so I was happy to use a recommended company.
The company was completely kosher. I got my PPI. They charged 25% (+VAT) for their efforts. But that's the point: it was their efforts, not mine. My effort was minimal.
And I got my PPI back!
@Emp_Fab PM me if you want to do the same. I won't give it out publicly cos their schtick is that it's all personal recommendations and, disclosure: for my recommendation I get a £20 amazon voucher.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
I cannot understand these people using third party companies. When I claimed mine, it took one letter (based on the template from money saving expert.com) , and that was it. A four figure cheque came back in the post. Just make sure you word your letter so that it convinces them you were mis-sold when you took out the loan. They made you sign for it, without explaining what it was.
Im not sure if 98 will qualify, isnt there a time limit? Last 10 years or so?
I'm pretty sure they have a legal obligation to pay it you back, that's the whole reason it kicked off a few years ago, the banks lost the court case. No lawyers should be required. It was only before the court case that it was very difficult to reclaim it.
Just recently I used a ppi website because I had a old egg card and loan but didn't know any details they've sorted it all out for me and I'm now waiting to hear back how much egg owe me! The company I used only take 10% and all I did was fill in a questionnaire and sign a bit of paper.
if you're going to do it do it soon as there's going to be a deadline coming up for any new claims.
good luck.
https://speakerimpedance.co.uk/?act=two_parallel&page=calculator
Time to do some research I think.
Also chips are "Plant-based" no matter how you cook them.
This.
Do it yourself, the 3rd parties will ask you the same questions that are on the paperwork anyway. I got £6500 back!