Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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I shall check when I get home, thanks for that 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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I just called them, I didn't have PPI on mine, now I look stupid 
I was relying on that one as it was quite a bit of money.
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Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Phone number here if you want to call them:
http://www.gmacfs.com/uk/contact/index.html
(assuming it was also GMAC that did yours)
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Shelly
Premium Member
Registered: 15th Nov 00
Location: Lancashire Drives: Astra H VXR
User status: Offline
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I think it was, thank
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Even if I don't get any PPI back, getting my credit report has highlighted the fact that I had a Debenhams credit card and Next Directory account open and registered to my old address 
Closed both now
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N3CRO
Member
Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline
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quote:
Originally posted by Neo
quote:
Originally posted by James
Surely they can just say "WTF - you didn't even know if you had it just now?"
If you don't know then you have been missold
This. Also works if you did know about it but didn't have the option to opt out of it.
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by James
Even if I don't get any PPI back, getting my credit report has highlighted the fact that I had a Debenhams credit card and Next Directory account open and registered to my old address
Closed both now
Did you sign-up for experian or just buy a one-off report? If it['s the latter can you point me in the right direction please?
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by Tom
quote:
Originally posted by James
Even if I don't get any PPI back, getting my credit report has highlighted the fact that I had a Debenhams credit card and Next Directory account open and registered to my old address
Closed both now
Did you sign-up for experian or just buy a one-off report? If it['s the latter can you point me in the right direction please?
The latter:
http://www.equifax.co.uk/Products/credit/statutory-report.html
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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Or for free (properly free) use www.noddle.co.uk
Helps as a guide. Not as widely used as experian or equifax but does what it has to do. Just found I have a store card open that I settled and closed 3 months ago 
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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James, did you check if those older cards had PPI on them?
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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quote:
Originally posted by Whittie
Have you got the letter you sent off Tom? Did you provide evidence of paying it etc?
Is it possible to forward it to me, obviously with all the details deleted / blanked out. Just so I can have a template to write one?
I filled in a questionnaire from moneysupermarket website i believe, filled in everything i could and sent it to the people currently responsible for my account. Was GE Money but Santander took them over.
received a reply back saying they are looking into it, awaiting to hear back about a figure.
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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Thanks chaps.
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by Fro
James, did you check if those older cards had PPI on them?
I only checked my 2 current Natwest Credit Cards. All my old store cards were either never used (only signed up to get 10% off etc) or had such a small balance on, the PPI would have been almost nothing.
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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quote:
Originally posted by Fro
quote:
Originally posted by Whittie
Have you got the letter you sent off Tom? Did you provide evidence of paying it etc?
Is it possible to forward it to me, obviously with all the details deleted / blanked out. Just so I can have a template to write one?
I filled in a questionnaire from moneysupermarket website i believe, filled in everything i could and sent it to the people currently responsible for my account. Was GE Money but Santander took them over.
received a reply back saying they are looking into it, awaiting to hear back about a figure.
Got back to me with their offer today.
I spent £57 on PPI they are giving me just over £100 altogether 
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cunningham
Member
Registered: 25th May 05
Location: Lochore, Fife
User status: Offline
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I went through Resource Legal limited and got 4.5k back happy days
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Wrighty
Member
Registered: 28th Feb 04
Location: Howden
User status: Offline
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Howd i do this without going through a claims company? letter straight to bank? i got a loan the same time as my mate and hes just got 2k back...
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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Type in money savings expert ppi template on google fill that in and send it to your bank. I would show the link but I'm on my phone at work and cba 
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mantamark
Member
Registered: 19th Jun 06
Location: Northumberland
User status: Offline
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Im pretty sure i always said no to insurance, but once loans were finished i always shredded the paperwork so got no history bar on credit report last four numbers of account and how much it was for. Is this enough info to fill in the template?
Scary how much finance ive had over the years!
Almost all gone now, wish id never got that first loan, snowballed after that. Could have had a much better lifestyle saving up for stuff instead of wanting it there and then. Might have had something to show for it now too.
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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I always declined it as I figured my parents would bail me out
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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quote:
Originally posted by Nath
I always declined it as I am not a retard
edit - this post was brought to you by John
[Edited on 24-07-2012 by Russ]
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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That did also feature in my decision making.
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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I still don't know how people failed to recognise money was being taken from their accounts and didn't ever question it.
Fair play if you get something back now, but its as much the banks fault as it is your own (if you paid it)
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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I got £160 back and it only took me 3 phone calls.
I phoned 2 banks and my old car finance company. Turns out I only had PPI on one of my old credit cards, but I got £160 out of it, better than nothing.
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