Horizondave Posted August 19, 2019 Posted August 19, 2019 For those who have thought of checking for PPI (Payment Protection Insurance) the time of closure for submitting claims is nearly upon us. You have 10 days (29 August) to submit claims directly or via a company willing and able to apply on your behalf. I am still waiting on responses from 4 institutions although I have applied via a third party company working on my behalf. For info I have already been paid out £4500 from one company but that was 2 years ago. I received negative replies (a couple of years back) from 3 institutions directly saying they believed I was not entitled to compensation but I decided to have another go via a third party as I am aware that software has been used by many of these institutions to just send 'Dear John' letters because they are receiving so many claims that it was impossible to deal with all of them. Having read about the rejection letters I decided (and was advised) to go via a third party who seem to have a better chance of getting something from these institutions as they still have pots of money available to pay out and are less likely to send 'Dear John' letters to claimants who are not Joe Public. I am also awaiting information from a 4th institution that I completely forgot I had a credit card with. I was loathe to use third party claim companies previously as they were charging up to 39% for their work although this is only charged if they are successful in their claim on your behalf. A government crackdown has seen that charge reduced to around 20% max (plus VAT) so I thought it worth somebody else taking the trouble to try again, anything I get (if at all) is worth a go. Remember get in before 29 August if you feel you have a claim, you have nothing to lose as so many institutions (banks, credit card companies, stores etc) charged PPI and they are paying out even if you accepted PPI at the time. For info some companies such as Marks and Sparks have contacted their customers directly even without a claim being placed but these companies are few and far between so get in now if you think you might have a claim.
Sangsom Posted August 19, 2019 Posted August 19, 2019 (edited) Same got about £4K so far and have a bunch of others pending. I used a company called Gladstone Brookes they were really good and make it super easy for you, sure you lose about 30% or so (20% plus vat I think) of the claim but so fucking what I would never have done them on my own so well worth it IMO........also I don’t recall ever signing up for a PPI and thought I’d have no chance so there you go. If you haven’t done it you really should..... Edited August 19, 2019 by Sangsom 1
Stillearly Posted August 19, 2019 Posted August 19, 2019 What was this from credit cards , store cards , mortgages ?
Horizondave Posted August 19, 2019 Author Posted August 19, 2019 7 minutes ago, Stillearly said: What was this from credit cards , store cards , mortgages ? All of the above and loans etc so well worth claiming, can go as far back as the 80's.............................I did and so far I am happy.
Sangsom Posted August 19, 2019 Posted August 19, 2019 14 minutes ago, Stillearly said: What was this from credit cards , store cards , mortgages ? Yup all the above, every bit of credit you have ever taken out in you life. Mine came from a completely unexpected source.
Stillearly Posted August 19, 2019 Posted August 19, 2019 6 minutes ago, Horizondave said: All of the above and loans etc so well worth claiming, can go as far back as the 80's.............................I did and so far I am happy. I can't think of anything where I've had PPI attached , no store cards or loans , nothing on my Barclaycard, think I was asked when I took it out , but declined .. my Mortgage, I had to have life insurance , but already had an endowment policy running , so used that ..
Horizondave Posted August 19, 2019 Author Posted August 19, 2019 1 minute ago, Stillearly said: I can't think of anything where I've had PPI attached , no store cards or loans , nothing on my Barclaycard, think I was asked when I took it out , but declined .. my Mortgage, I had to have life insurance , but already had an endowment policy running , so used that .. Don'y miss out because you 'think' you didn't have PPI, many customers have found out that they were paying PPI without realising it. The thing is people in full time employment with good credit histories were charged PPI even when they didn't need it. My brother was paid back £6000 by M and S and didn't know he had paid PPI 2
Sangsom Posted August 19, 2019 Posted August 19, 2019 1 minute ago, Horizondave said: Don'y miss out because you 'think' you didn't have PPI, many customers have found out that they were paying PPI without realising it. The thing is people in full time employment with good credit histories were charged PPI even when they didn't need it. My brother was paid back £6000 by M and S and didn't know he had paid PPI +1 just do it, for 20 mins of your time there is nothing to lose, you don’t even need to sign paperwork now, the company I quoted above text you and you can sign the text and return to them via that route and it’s all done, really super easy. The main thing is remembering all your addresses for the last 30 years if you have moved around so have that ready. When it comes to selecting which companies you have had credit with, just tick every box for any of the banks you might have had the faintest thoughts you could have had dealings with. 1
Krapow Posted August 19, 2019 Posted August 19, 2019 Reading like people are working in a call centre here ...
farangme Posted August 19, 2019 Posted August 19, 2019 5 minutes ago, Krapow said: Reading like people are working in a call centre here ... Only if you're an Indian. You'd be just fine.
Sangsom Posted August 19, 2019 Posted August 19, 2019 19 minutes ago, Krapow said: Reading like people are working in a call centre here ... I’d agree with you if I hadn’t personally received an unexpected lump to spend....
Toy Boy Posted August 20, 2019 Posted August 20, 2019 Anybody care to recommend a company to do this on your behalf, for a fee if they win, of course? I'm sure if I Google the question I'll get a zillion possibilities, but I'd prefer to hear an actual recommendation from a satisfied customer.
Sangsom Posted August 20, 2019 Posted August 20, 2019 10 minutes ago, Toy Boy said: Anybody care to recommend a company to do this on your behalf, for a fee if they win, of course? I'm sure if I Google the question I'll get a zillion possibilities, but I'd prefer to hear an actual recommendation from a satisfied customer. Gladstone Brooke’s did it for me, can recommend. 1
Toy Boy Posted August 20, 2019 Posted August 20, 2019 Just now, Sangsom said: Gladstone Brooke’s did it for me, can recommend. Many thanks, I'll have a look. If it's free then it can't hurt.
Stillearly Posted August 20, 2019 Posted August 20, 2019 39 minutes ago, Toy Boy said: Many thanks, I'll have a look. If it's free then it can't hurt. I did it online last night , took five minutes would be surprised if anything comes of it , but ....
Toy Boy Posted August 20, 2019 Posted August 20, 2019 (edited) It seems you need a UK phone number. I've got an O2 pay-as-you-go mobile, but it's inactive as I'm in Thailand. Do they phone you at all, if not I could give them a relative's land line number in the UK? I doubt that my aged auntie woulD be best pleased at getting phone calls about my PPI claim! Edited August 20, 2019 by Toy Boy
Stillearly Posted August 20, 2019 Posted August 20, 2019 1 minute ago, Toy Boy said: It seems you need a UK phone number. I've got an O2 pay-as-you-go mobile, but it's inactive as I'm in Thailand. Do they phone you at all, if not could give them a relative's land line number in the UK? I read both a text and email , but they were effectively the same , so you can complete via email 1
Toy Boy Posted August 20, 2019 Posted August 20, 2019 Just now, Stillearly said: I read both a text and email , but they were effectively the same , so you can complete via email OK, thanks, even without any credit on the O2 phone any text messages till get forwarded to me here in Thailand.
Horizondave Posted August 20, 2019 Author Posted August 20, 2019 42 minutes ago, Stillearly said: I did it online last night , took five minutes would be surprised if anything comes of it , but .... If it does I am on commission lol 1
Horizondave Posted August 20, 2019 Author Posted August 20, 2019 40 minutes ago, Toy Boy said: It seems you need a UK phone number. I've got an O2 pay-as-you-go mobile, but it's inactive as I'm in Thailand. Do they phone you at all, if not I could give them a relative's land line number in the UK? I doubt that my aged auntie woulD be best pleased at getting phone calls about my PPI claim! They say they may need to talk with you so giving a number is a benefit although they have used my email 2 times to let me know how things are progressing. The email is more important 1
Toy Boy Posted August 20, 2019 Posted August 20, 2019 34 minutes ago, Horizondave said: They say they may need to talk with you so giving a number is a benefit although they have used my email 2 times to let me know how things are progressing. The email is more important OK, cheers.
Horizondave Posted August 29, 2019 Author Posted August 29, 2019 Your chance of claiming runs out at midnight tonight for any of those members still too lazy (probably) to find out that they are possibly owed thousands in compensation.
Popular Post Stillearly Posted June 23, 2022 Popular Post Posted June 23, 2022 On 8/19/2019 at 10:54 PM, Horizondave said: Don'y miss out because you 'think' you didn't have PPI, many customers have found out that they were paying PPI without realising it. The thing is people in full time employment with good credit histories were charged PPI even when they didn't need it. My brother was paid back £6000 by M and S and didn't know he had paid PPI On 8/20/2019 at 7:36 AM, Stillearly said: I did it online last night , took five minutes would be surprised if anything comes of it , but .... just received an letter of apology for initially dismissing my claim ... they found an overdraft and a loan where PPI may have been sold , but it was such a long time ago , they can't find the paperwork in the archives .. so they are offering me 2 x £1,577 ( standard redress amount ) plus £100 for the delay .. so £3,254 coming my way thanks @Horizondave for starting this thread , I wouldn't have bothered otherwise... if we meet , I owe you a beer or three 😉 1 9
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