Debt Camel

Answers to questions about debts and credit ratings - in plain English!

PPI – does new legal action mean you can still get a refund?

In 2017, the FCA imposed a deadline of August 2019 for PPI claims that could be taken to the Financial Ombudsman.

That deadline has now passed and you now can’t start a new PPI complaint with a lender and take it to the Ombudsman.

But there are still some court cases being brought to get PPI refunds.

These are being brought following a Supreme Court judgment in 2014 on the Plevin v Paragon Personal Finance case – you may hear this referred to as just Plevin.

A very brief summary is that the sales of PPI often involved the insurance companies paying the lenders astonishingly high levels of commission, some over 80%, without the borrower being aware of this when they signed up to the insurance. The court decided that this was so high that it gave rise to an unfair relationship between the consumer and the lender.

In autumn 2023, a legal firm called Harcus Parker has over 300,000 people signed up to make a group claim on a no win, no fee basis. Martin Lewis says “This lawsuit may well be re-opening the door to PPI“.

Should you sign up to this group claim? You won’t be able to get any more money back if you have already had a “full” PPI refund.

But if you missed the deadline to make a claim OR your claim was rejected OR you received a ‘tipping point’ offer (partial compensation on the basis of having not been told about high levels of PPI commission) then you may be able to get a refund.

See MSE’s article New PPI legal action: Could you reclaim £1,000s? which looks at this in detail.

It also explains that also this is a no win, no fee group claim, there is still some possible risk if you join it. Read the MSE article and make your own mind up as you may decide that risk is very small.

More Debt Camel articles:
scam email

A scam email to scare you into an IVA

refund sign in neon letters

Get refunds for unaffordable lending

No credit checks for new mortgage fixes?

Comments

  1. Elaine says

    Hi Sara
    Just need to check something
    My hubby and I have had ppi refunds
    Do we have to wait until the end of this financial year to claim the tax back on R40 form.
    Thanks

    • Sara (Debt Camel) says

      You can do it mid year but you then have to provide an estimate of what your total income for the whole tax year will be. It may be simpler to wait…

  2. David Dutton says

    I used the RBS PPI checker online a couple of weeks back; I knew I had a few loans with RBS early in the 2000’s but their response, which came within about 4 days so well done to them on that part, confirmed I had one loan which was then refinanced a further 5 times. by the 6th loan, the PPI on the account was £2.8k according to their update which I estimate to have been about an £18k loan going off todays’ calculations. unfortunately I have no paperwork to confirm that and I’ve had so much credit over the years i’m embarrassed to say I cannot remember all of these!

    but all 6 had PPI added when I didn’t need it. not sure if I actually agreed to it or not but I’ve never knowingly requested it specifically as I worked for the DWP at the time and they provided full sickness and injury packages for full time employees (I worked there for 9 years) so hopefully i’m in with a bit of a shot. and I think I still have a shot at redress from the refinancing if i’m not mistaken, when each of the refinancing loans took place?

    • Sara (Debt Camel) says

      If each time you refinanced you took PPI, then you may get a large payout from this. The largest PPI refund I personally have seen came from a Lloyds loan which had been refinanced several times. Good luck!

      • david d says

        RBS have investigated and awarded £4.6k refund, but I think they have deducted 20% tax off this too (think I can claim some of this back?) cheque due by the end of the month. Happy 2019!!

        once again, thanks to yourself and this website for all the great information and support.

          • david d says

            I recall in FY18 I did the same thing having had a refund for a payday loan, but the HMRC applied it as a Unit Trust and I ended up having my tax band temporarily reduced as they said I hadn’t paid enough tax that year – about £70. my employer confirmed the issue was not their end, but the HMRC never got back to me and I never got a refund at all, from either the tax band change or the payday loan tax paid.
            needless to say i’m a bit reluctant to do this now!

          • Sara (Debt Camel) says

            You can only not have paid enough tax if the 8% took you over the point where you start to pay higher rate tax. Classifying it as a unit trust is just wrong and you could have complained.

  3. Martin says

    I made a recent enquiry about the Plevin case and was told that as I had previously been had a mis-sold PPI refund for the account, I could not make a Plevin complaint.

    Is this correct?

      • Martin says

        Ok thanks Sara.

        I’d like to say a huge thanks to you also for all the information you provide on this site. It’s helped me reclaim several PPI and PayDay Loan refunds over the last few years that have lifted me from absolute rock bottom back to a life worth living :)

  4. Martin says

    Just had a response back from Santander for my Plevin complaint on an old mortgage.

    They have stated that to be considered for this complaint, the account must have been opened on or after 06 April 2008, my account closed 31 January 2005.

    Obviously they’ve said I can refer the complaint to FOS, are you aware of this date restriction and do you think there’s any argument for cases outside of it?

    Thanks

    • David says

      Yes, there are qualifying dates. The FCA (or predecessor regulators) didn’t require commission disclosure. However, the Plevin court case relied on S140a of the consumer credit act that was revised in 2006 (effective 2008 for existing). So, for PPI that ended before 2008, it was not affected by that change.

      So, they are correct to reject your Plevin claim as it falls outside of the required dates. Mortgage PPI also has some other quirks as well which can mean Plevin doesn’t apply. Such as mortgages arranged under MCOB rather than the CCA. Or where the MPPI was bought at a different time to the mortgage.

  6. allan furness says

    Fantastic article, I have a similar problem. We were in an iva 2006 to 2012 which was completed. We have put in several successful claims for ppi which have mostly been successful. Then the plevin payment scandal came about, Barclaycard paid us out but we have 2 from capital one and one from rbs with the same story. They wrote to us stating they were sending us cheques due to the plevin scandal but then we never heard anything and they decided to reduce the balance from out outstanding debt from the iva using these cheques. The debts were statute barred so we cant be chased for them. I have complained to the FOS but they agree with them (despite Barclaycard paying out) so I am stuck now, does anybody have any suggestions if I could proceed against them in a different way to receive the chqs they promised us??

    • Sara (Debt Camel) says

      No suggestions. Statute barring isn’t actually relevant here – during an IVA the time limit for the Statute of limitations ceases to run as your creditors can’t take action against you. And even if it was relevant, a creditor can still choose to offset a PPI refund against a statute barred debt.

      At the end of the IVA the debt was written off. It sounds as though FOS doesn’t think it’s fair you should get a PPI payout in addition.

  7. gaynor edwards says

    Hi We had a mortgage from 1992 till June 2008 when we paid it off we applied for ppi as we felt strongly that it was miss sold we were rejected by both the bank Brittania/Co.op and the Ombudsman ,However weve just heard about Plevin and Ive reapplied to maybe get some interest back
    if nothing else ,My question is does the account have to have been opened after april 2008 or can it have been running as mine had for many years before that included 2008 ???

  8. Kelly McCandless says

    Hi Sara Looking for another bit of advice. In 2011 i had a claims company look to see if i had PPI. One that came back was yes car credid (direct auto fnance) for a car loan i took out in 2003. They did not uphold the complaint and the complaint handler told me these cases were hard to win with the ombudsman. Recently DAF wrote to me to say they were holding data on me so I sent a sar. I now have all original documentation for the car loan (Cash price £3902 Loan with all sorts of insurances PPI and interest i paid £8556.96) My question is can I go back now and claim misselling now i have all the information (This company advertised for people who couldnt get credit and i was told this was a condition of the sale) Or should I just now try under the Plevin ruling.
    Thanks
    Kelly

  9. Sarah Reid says

    Hi Sara

    I have successfully had my PPI complaint upheld with Santander (formerly BHS Store Card). Initially Santander rejected it, so I sent a complaint FOS who upheld.

    Can you advise please? I previously had a loan with GE Capital (First National Tricity Finance) Nov 1999 – I have the agreement Reference number and wrote to Santander with my complaint with as much information as I had. They have responded that they cannot find me. Is this worth going to the FOS with my complaint as I am not 100% sure I had PPI?

    Many thanks for your help.

  10. Elsa says

    Hello

    Creation has just rejected my PPI complaint even though they admit i paid it. As it is out of the FOS jurisdiction I believe they are rejecting everyone’s. I have been trying to pursue this for 7 years, can anyone advise if i can request a Plevin complaint as they have knot acknowledged this in my Dear John Letter

        • Sara (Debt Camel) says

          Send this to FOS and say you would like them to look into this complaint including whether you could get a plevin payout if a full refund is not allowed.

  11. sharon wilson says

    I had 2 loans from yes car credit(direct auto) I paid of 1 loan out right but sent back 1 car I couldn’t a ford at the time, it end up in iva and payed back what I can afford at the time im not in iva no more its finished and got a certificate for a completion can I still apply to ppi still? the loan started in 2004

  12. Tracey Moon says

    Hi

    Wondering if you could help me. I’ve tried twice with Halifax and both times rejected, is it worth trying again or should I ask about Plevin?

  13. Faye says

    We wrote to black horse about 2 products we had with them back in 2004, we were unsure whether we even had PPI. They wrote back to us with the standard form you fill in to explain why you are complaining which we filled in and returned.

    We have received a letter about one of the accounts saying no ppi was found.

    We then received a letter about the other account saying they are still investigating and aim to respond with 8 weeks but as it’s already over 8 weeks we can refer it to the financial ombudsmen.

    My questions are, if they are still investigating does this mean there is a good chance there was PPI? Also, should we wait another 8 weeks before referring it or just do it now?

    • Sara (Debt Camel) says

      “if they are still investigating does this mean there is a good chance there was PPI?” sorry I have no idea.

      “Also, should we wait another 8 weeks before referring it or just do it now?” I suggest waiting, but making a note in your diary and sending the complaint to the ombudsman after 8 weeks if they haven’t replied.

  14. Ness says

    Hi
    I recently made a complaint to caipital one regarding PPI miss sold. They rejected the claim but sent me a letter that they are going to pay a redress for Plevin payment. And they have sent me a cheque. Few weeks later I then received another letter saying to ignore the previous letter and now they are going to pay me a redress for miss selling PPI but still waiting for the cheque.
    Was this means I got two separate payments? Im so confused can someone please help me.
    Thanks

    • Sara (Debt Camel) says

      That does sound like they will send you a separate cheque. If you phone them, they should confirm this.

  15. Maz amiri says

    Hello,
    I took a loan in September 2005 from HSBC. and with that loan i was also sold PPI. at the time i was desperate for the loan and did not question the ppi. they also made sure i signed a document indicating the insurance was optional. i know in fact i never needed the insurance policy as i had cover through work for critical illness, income protection, life assurance.

    could you advise whether i am still eligible for PPI claim please?

    • Sara (Debt Camel) says

      It is always worth making a claim – even if you don’t get the full amount back, you may be able to get a partial refund if the commission rate on the loan was too high.

  16. alan says

    Hi Sara,
    Looking for some advise as I have recived a very strange letter from shop direct finanvial group.
    it goes on to say thatthat I had made a previous complaint about PPI and they rejected it , but i can cmake another suing a new ruling , and invites me to do it.

    big problem is ,
    I have never made a PPI claim with them or any one else for that matter , since this came I have had a look at a fre crdit report to see that they have made a ” Beneficiary trace enquiry” against both my previous addresses . so dont know what this is all about.

    I had one of thier catalog accounts about 12 years ago, turned out that when i wasnt even living in the UK thay had applied a massive debt on to it (thousands of pounds) and had sent letters, as soon as i got to know i contacted them turned out that it was some item they said was purchsed on the account ( i had nt used the account for years even before i left -tought it was closed),as it was i had already left the country more than a year ago to the date stated and i made it clear i ould categoricaly prove this , after a few months they said they had made a mistake and closed the acccount after removing the said balance.
    is it possible that they are somehow trying to pin this on me again using PPI excuse? seeing as I never claimed any way.

    thanks

    • Sara (Debt Camel) says

      “is it possible that they are somehow trying to pin this on me again using PPI excuse? seeing as I never claimed any way.”

      No. You have received some automated letter. Did you pay PPI on this account before you stopped using it? You could claim now for that. But you may decide you can’t face having arguments about the account agin and just ignore it.

      • alan says

        HI Sara ,
        Thank you for your reply ,
        “Did you pay PPI on this account before you stopped using it? ” – I honestly dont know its been so long it is possible that i did ,but cant be very much as It wasnt very active all i remember is it had a large credit limit-but used sparingly .
        my worry is that it is worded ” you Previously complained to us about our sale of your PPI policy .we rejected it ,in our view it was not mis-sold” and invites me to re-submit my “Complaint” .
        so you can see I never did make a complaint in the first place!!! ,hence my apprehension they did try to pin something on me once that wasnt mine , im worried they are going to again by the wording ” you COmplained previously about PPI” ( meaning i accepted something) .
        thats my worry .
        Thanks

        • Sara (Debt Camel) says

          I can see why this feels odd, but it is probably some form of administrative error. Firms are trying to clean up the PPI mess as fast as possible so a lot of automated letters are being sent. You can call up and deny you ever made a claim and ask them to investigate why you were sent the letter if you feel worried.

          • alan says

            Hi Sara,
            Many thanks for your replies , will try to give them a ring on Monday
            Thanks agaian

    • Lorraine Cross says

      Just had a letter rejecting claim due to dates (loan was in 2001) but referred to Aviva as their insurance providers. Hope this helps.

  18. Jane says

    I have phoned RBS today to chase up my PPI cheque and they informed me it has been passed onto their debt management team. I presume this means I won’t be receiving any money?

  19. Lee says

    Hi any advice… I have a ppi complaint in with barclaycard from 2002 and they sent me letter asking more info about employment, medical what remember about it being sold… I cant remember anything so what do I say or tell them?

    • Sara (Debt Camel) says

      Just reply saying that to the best of your recollection around 2002 you were employed at xxxxxxxxxxxxxxxx OR were self-employed OR were living on benefits OR a student whatever. If you had any prior medical problems (mental health, back trouble etc) before that date mention those as they are reasons why PPI may never have paid out.

  20. Kara says

    Hi. Has anyone enquired in relation to a Sears card? I had one back in 1998 and when I initially enquired through Creation they couldn’t locate any details. I’ve now found an old receipt with the account number on so have sent them the details but am interested to know how others have gotten on…
    Thanks.

  21. Fiona Watson says

    Hi Debt Camel

    I had 4 loans in 2003 and 2004 from Central Trust. They were the broker. The PPI we were given as part of the loan was astronomical (£17,000) on the final loan. We tried complaining that the PPI was mis-sold as I was self employed and when it came down to it I could not claim on the policy. We were passed from pillar to post between Central Trust who referred us to the loan providers and the loan providers who referred us to the Insurers who in turn referred us back to the broker. All refused to deal with the matter. We have had a letter today from Central Trust (now called CT Capital) regarding the Previn Ruling. I rang them but we are not eligible for a payout on that basis because of dates (the PPI Policy finished before April 2007). I noted on the letter it said we could not make a claim against CT Capital as they were the Broker and not covered by the FOS back then. BUT … it was Central Trust and not the lender that sold the policy with the PPI attached AND … I do have a letter from them where they state that although the PPI did not cover me fully as I was self employed, it did cover me partially and therefore it was fine. Can I do anything to reclaim some of the vast sums we paid?

    • Sara (Debt Camel) says

      I suggest you send the complaint to FOS and ask them to look at this.

      • dunstonh says

        The liability for complaint lies with the firm that sold the PPI. Not the lender or the insurer unless they were also the sellers. There is a small window of liability for pre-regulation cases where the insurer may carry liability in some cases but it is only on around 10% of cases.

        So, loans sold by a broker in 2003 and 2004 mean you get no access to the FOS. The lender and insurer have correctly rejected the complaint as having no liability. That is the expected outcome and the broker wont consider it as it is pre-regulation. That is also the expected outcome.

        Plevin does not apply as the credit agreement ended before the changes to S140A came in. You would pretty much say this one is game over

        • Sara (Debt Camel) says

          That is not my decision to make – I don’t feel it is right to dismiss someone’s complaint on the basis of a comment made here which may be incomplete hence my suggestion to ask FOS to take a look at it.

          • dunstonh says

            I understand that and quite right. However, at least Fiona has the right level of expectation now and knows the reasons why they the companies are refusing (bar the broker who did give incorrect information by trying to pass the buck. They should have just come straight out and said they are not considering it because it is before regulation).

  22. Julie says

    Hi looking for advice please, we complained to mbna for missold ppi which we were told that we didn’t have any on our accounts which we were sure we did, so recently tried again and they have come back to us and said that we had ppi on 2 accounts which they say we have been paid for in 2016, but we received nothing as they told us we had non. They say that as 6 months have passed there is nothing we can do I have checked banks statement back to 2016 and nothing the accounts were close earlier than 2016 is there anything we can do .

  23. African Queen says

    Hello,
    Has anyone had any success with Creation Finance recently.

    I received a a letter dated April 2019 saying they had been asked by the FCA to revisit the commission claims. They had rejected my claim previously, as did the FOS. I had an Adams Storecard from back in 1993. The letter states that they are already reviewing my claim calculation and I didn’t need to do anything else. They have up to 8 weeks to respond. Unfortunately, the letter doesn’t have a specific date in April although I received it in the first week of April so not sure when the 8 weeks started from. I just wondered if anyone has had a response back, if indeed they received a similar letter. I will post an update if I hear anything, although I am not holding out too much hope. Thank you

  24. Lou7 says

    Hi all,
    A quick question. If I get a refund from barclaycard for mis sold ppi, will they take the refund and use it against the balance or am I entitled to that money? Any information would be appreciated.

    • Sara (Debt Camel) says

      It depends… If you have an active Barclaycard account still, it will normally be used to reduce the balance. If it has been sold to a debt collector sometimes you will get the money, sometimes it will be used to reduce the balance.

  25. David D says

    Hello all, wondered if someone could assist.
    For a number of years I have chased Preferred Mortgages about an old account and they have continually claimed they couldn’t find me on their records. over time Preferred Mortgages became Acenden I believe, who I also contacted to no avail.
    I have recently found some old paperwork with all my account details and PPI was held on the account. however the account was opened on 27.1.2004.
    I’ve read somewhere that before 2005 PPI claims aren’t permitted, is this correct?
    Also, i’m struggling to find out who to contact about this, do I go to FOS, FSCS or direct to Acenden again?
    Any advice much appreciated.

    • Jane says

      Hi David,

      I’ve got a stack of claims presently so do hope I can be of some help.
      I’ve also received the response from a lender that they have no trace of my account. If you have paperwork I would recommend scanning it or taking a photo and send a printed copy ( not the original) with a covering letter back to the lender and ask them to investigate further.
      Before 2005 not all lenders were regulated so this may mean you would not have access to the FOS if your claim heads in that direction.

      I highly recommended the above as Santander repeatedly told me I had no policies. After supplying bank statements two PPI policies were all of a sudden located from 1997 and 2003!

      Therefore you can indeed make a claim pre-2005. There are many successes from this time however, there are time limitations and it can be a little harder to prove.

      It’s important to go back to the original lender. So by all means contact Acenden or give them a call.

      Best wishes,

      Jane

  26. Jack says

    Hi guys

    I’ve made a number of successful PPI claims and know the drill pretty well. However, I have one outstanding claim to submit before the August deadline which, I fear, is going to be a little more complicated. Hence, here I am seeking your assistance.

    Essentially, it’s like this… way back in 1998 I opened an account with Cofidis, which was taken over by Call-4-Cash in 2000; the latter was a subsidiary of London Scottish Finance, which went out of business in 2008.

    I had an account with Cofidis / Call-4-Cash for six or seven years, during which time I paid a four-figure sum [circa £25 per month] in PPI. Having not become aware this insurance may have been mis-sold until after London Scottish Finance had gone out of business, I attempted to claim from the Financial Services Compensation Scheme only to be advised: ‘It appears from your correspondence that your insurance policy began May 2004. Unfortunately this means that your claim for compensation falls outside of our jurisdiction.’

    Thanks in anticipation
    Jack

    • Dunstonh says

      Insurance was not regulated until 14th Jan 2005. Any sale from before that date is not covered by the FSCS as that would be pre-regulation. The date of application is the important date. Not the date the loan was advanced. As yours was May 2004 it was pre-regulation and the FSCS will not cover it.

      • David says

        Yep you won’t be able to escalate unfortunately. This is only because the FSCS have taken on that company’s dealings. Presume they’ve gone into administration. A win for them on this occasion I’m afraid. I have one from welcome finance for 20k in the same boat. Was gutted!
        But as mentioned above I’ve managed to trace a pre 2005 mortage with PPI so am going back to the lender.

        • Jack says

          Hi David

          Thanks for your response but, truth be told, I’m not entirely clear what your point it. I understand why the FSCS couldn’t assist with your Welcome Finance complaint but was there any reason why you could you not have pursued it with the company which provided the insurance cover?

          Would appreciate your thoughts, or for that matter anyone else’s, on this.

          Thanks
          Jack

          • David says

            Well the FSCS were the point of contact because presumably they closed down, so they were looking after that company’s finances.
            But there is a ruling that means anything pre2005 cannot be looked into. So you can’t go to them and the company is closed so you can’t go to them.
            Let’s let the experts confirm for sure but I think that’s the jist of it.

  27. Jack says

    Thanks for the speedy response. I get that in this instance the Financial Services Compensation Scheme [FSCS] can’t help but was wondering if any other avenues might be open to me.

    In particular, is there any merit in pursuing my compliant with the companies [the insurer changed after a couple of years] which underwrote the payment protection insurance?

    I appreciate this is more complicated as the insurance dates from pre 2005 but am reasonably sure that one of the underwriters, Pinnacle, was a member of GISC and, while I need to investigate this further, would assume that CIGNA must also have been regulated by someone.

    I stand to be corrected, but it’s my understanding that in circumstances such as these, if my complaint is rejected by either, or both, of the underwriters, it would be considered by the Financial Ombudsman Service. Is this correct?

  28. Debbie says

    Can any one help Santander have written to me recently saying that one of my PPI claims is time barred (over 15 years old) so for this reason they have uphold my compliant. Is this correct?

    • Jane says

      Hi Debbie,

      I had a a reply from Santander not upholding my claim for the same reason but, the insurer has upheld the complaint instead. My policy began in 1997. A further policy was added in 2003.
      Call the helpline and query it as the insurer should be potentially able to asses your complaint. I sent a fair bit of supporting evidence with my claim also.

      Good luck!

      • Sarah says

        Hi Debbie

        This happened to me in January this year so I went to FOS. My complaint went back to 1999 to 2004. They found in my favour and upheld the complaint in February this year My complaint went back to 1999 to 2004.

        Good Luck

    • Jane says

      Hi Debbie,

      I had the same but, the insurer did uphold my complaint from 1997, two policies. Give them a call and query it.

  29. Kerry Perry says

    MBNA – rejected my claim sating that I was outside of a complaints term, they said I only had a certain time to submit a complaint, yet i do not feel they sent the correspondence in the first place inviting me to complain? has anyone else experienced this? Can I re apply or apply for Plevin?
    I definitely had PPI which would have been miss-sold as I did not ask for it.

  30. Chris says

    Hi

    In 2012 I submitted a PPI claim regarding Egg Credit Card to Canada Square. The complaint wasn’t upheld due to “the sales process being clear and it was my choice “. Since then I have submitted a complaint regarding Egg loans PPI and this was upheld and reparation provided. I have asked Canada Square to advise the difference between the sales processes as one was upheld and one wasnt. Anybody else experience this ?

  31. African Queen says

    I just wanted to give an update on my case with Creation Finance for undisclosed commission. I have been at this battle for over 3 years. Eventutally, based on the FCA ruling, Creation had to review my case. I am pleased to report that eventually, I am now to receive just under £11,000 as a refund for an Adams card that I took out in 1995.
    They went over the initial 8 weeks and I had to call every week and log a case with the FOS. AFter 15 weeks I have now received the final response letter. They say I should receive my cheque within 15 days.
    For anyone out there dealing with Creation, please don’t give up. After the 8 weeks, call them and also involve the FOS. Not sure if the delay in their responses is to frustrate people but don’t let that happen. The first letter I wrote to Creation was in 2016 and after 3 rejections, even from the FOS, I am now a couple of weeks from receiving nearly £11K which will be life changing. I will update again when I receive the cheque.
    Good luck to everyone

  32. Adam Brown says

    Hello

    I defaulted on my loans and credit cards as I was out of the country.
    Some of these was sold onto debt collection agencies and they never caught up with me for the 6 year limit for the debts to go statue barred.
    These have fallen off my credit report now and I now have a mortgage.

    If i put a claim in for ppi would this cause me problems or would I be entitled to what I repaid in ppi?
    Thanks

    Alfie

  33. Fiona Parkyn says

    Hello,

    Last year I contacted MBNA as to whether I had been mis sold PPI on a credit card. I had previously had with them. They replied saying that they had previously written to me about it and not got back to them. I never received the letter. Can I take this any further?

    Regards
    Fiona

  35. Lynda Gray says

    I had a Boots The Chemist charge card years ago and cannot find who the finance company was. I contacted Boots to inform me who
    they used and they never came back to me. Struggling to find who they used or where i would find the information from.

  36. James says

    I had a Lloyds account for over twenty years and I recalled having loans with some sort of insurance attached but it was so long ago I had no paperwork – just the current account number. I filled in the lloyds on-line enquiry form and received the following text message on 23 May 2019:

    “Mr …., we’ll send you SMS updates RE your PPI complaint. We’ll never ask you for account info. To opt out text ENDPPI to 61119”

    I was a bit surprised it was referred to as a complaint as I had only filled in the enquiry form to to try and confirm if I had PPI.

    On 13 June I received two further text messages, each quoting a different claim reference number:

    ‘Mr ….., we’ve almost completed our review of your PPI complaint, Ref PPIxxxxxxxx. You’ll receive a response letter soon. Thanks for your patience.”

    I have not received any further communications from Lloyds, either by text, email or letter. Just wondering where I stand on time limits etc. Conscious that I do not want to leave it too long in case Lloyds did write to me and I did not receive the letter.

    Thanks

    • Sara (Debt Camel) says

      You clearly have live PPI complaints in with Lloyds, the FCA deadline should not affect this. The two reference numbers MAY refer to different laons, but I am guessing here. But it may be worth phoning their PPI helpline 0800 151 0292 and asking when you will be getting a reply to your complaint.

  37. Kelly says

    Hi I put in a complaint to ge money regards to the Ppi on my mortgage I sent this using resolver on 26th May since then ge money contacted me and asked for proof of identity I sent this as requested
    Since this date I have had 3 letters from ge money saying they have not been able to provide a response and will contact me again the last letter was dated the 8th August with another four weeks for them to get back to me
    Is this normal? It seems like a very long time to provide a response do you have any suggestions as to why this is taking so long

    • Sara (Debt Camel) says

      The lenders / insurers are deluged with PPI complaints, large numbers of them via Claims Companies who are putting in enquiries to lenders people have never used. There is no way to speed this up.

  38. gillian says

    hi sara just to say thank you again after claiming lots of payday refunds thanks to this site I decided to put in a claim for loans I had back in 2006 with cti finance for ppi I did not even know if I had ppi on the loans the only information I could give them was my name age and address I was surprised to get a letter two weeks later to say yes they would look into it for me today just 4 weeks after getting in touch with them I received a letter saying they are going to refund me £2531.53 what a result so if anyone thinks they may have had any loans please put in your claims before the deadline thanks again sara

  39. BARRIE says

    Hi,
    Found old agreement details with PPI front loaded from 1999.
    Loan paid off in 2002.
    Contacted Lender a couple years ago with Subject Access Request but no luck.
    Submitted claim to lender with agreement.
    Now come back stating no further action as per Statute of Limitations Act?
    I thought it was within 6 years of discovery and not from when loan was closed?

      • BARRIE says

        Thanks Sara.
        So what they are saying is incorrect. Surely they have a duty to investigate as I have sent them the paperwork?

        I will actually give FOS a call.

    • Dunstonh says

      There are different rules for different distribution channels. 1999 is pre-regulation. if it was a bank then they have to consider pre-regulation complaints. If it was a broker that arranged it then they do not. There was also a period when a different body was involved with loans, the FLA. It is with those that you often see the 15 year rule applied. If the seller was not regulated at the point of sale and is not a bank, then you do not have access to the FOS.

      The 6 year rule is linked to the 3 year rule and its 6 years from commencement and 3 years from being reasonably aware of an issue. However, that rule is not used much with PPI as the regulator set out a defined method to allow that to be used and only a few firms did (MBNA perhaps being the biggest).

      • BARRIE says

        Many thanks Dunstonh that clears that then.

        Would relevant Underwriters been regulated do you think?

        I am sure it was Cardiff Pinnacle or Aviva.

  40. BARRIE says

    Hi Sara,

    Just spoke to FOS and they seemed confused by the company’s response.

    They basically told me to go back and reiterate that it is in respect of a PPI claim and not a GDPR?

    So am I right that you can claim within 6 years from date of discovery and not after the loan was closed?

  41. Christine Masters says

    I am trying to find out how to make a claim against Cassidy Davis of London. I had a mortgage with The Mortgage Corporation 1988 – 1995 which was arranged through Prudential Property Services. There has been several changes in ownership culminating in an acquisition by Paragon Group of Companies. They confirmed that they had records from 1991 to 1995 but as they were involved in the acquisition after 1995 (2003 from Britannic Money plc) when the mortgage was redeemed they cannot be held responsible and we would need to go to the underwriter. They could not provide the name of the underwriter to claim from. I have since found out it could be Cassidy Davis at Lloyds and have written to Lloyds but they require policy numbers which I do not have. What can I do now?

    • dunstonh says

      Cassidy Davis was not regulated in 1988 (didnt need to be as that activity was not required to be regulated until Janaury 2005 for insurance and October 2004 for mortgages). So, they do not need to consider your complaint as it is long before regulation. The lender is irrelevant to your complaint as the lender didn’t sell you anything. There is no-one to complain to. This case is over. (and you dont mention whether you had PPI or not – most people do not).

  42. Debbie says

    I had a personal loan with a Halifax and tried to claim on the ppi when I was very poorly with depression I had tried to take my own life twice, Halifax rejected my claim on the ppi so when I could i defaulted on the loan ( when I was rejected it exacerbated my situation and I tried to take my life agajn) this all happened in 2003…if I claim Ppi will try then be able to persue me in the defaulted loan….

    • Sara (Debt Camel) says

      It sounds as though you haven’t made any payments to this very old loan for more than 15 years. This loan is statute barred and Halifax would no longer be able to pursue for the loan, even if you make a PPI claim.

      BUT its possible that a PPI refund may be used to pay the outstanding loan. this sometimes happens, not always. SO make sure you complain to the Halifax again yourself, don’t go through a claims firm.

  43. Ian says

    I THINK i electronically signed up to a cmc to check for ppi in may 2 weeks later black horse wrote to me saying i might have a refund with nothing to do with the cmc i got my refund in august and didnt hear anything from the cmc until last week they phoned i didnt answer left a voicemail saying about a refund from blackhorse then i got a text saying to get in touch or wait for an invoice in a few weeks, i have since phoned black horse and they have said they have not been in contact with any cmc or sent any info out about my refund. HELP

      • Ian says

        Yes in august im thinking of ignoring the calls and waiting for their invoice if they even have my address i just dont want to phone them, but as i say bh are adamant they have not received any calls or letters askin if i have had a refund from a cmc

        • Sara (Debt Camel) says

          You could send BH a subject access request asking for all personal information they have about you in relation to any OOI claims since January 2019, including copies of the correspondence they sent you and information about any claims e termed on you behalf by any claims company.

          • Ian says

            I have phoned them and they said no one other than me has been told about my refund no cmc or anyone has been intouch with them about ppi claim so i can not understand how they might have this information about my refund

          • Sara (Debt Camel) says

            I think you want to get that in writing from BH. So you can show the claims company if you ever get sent an invoice.

  44. GH says

    Hi Sara, not sure if this in the correct section. I have seen a article today relating to a potential 2nd wave of PPI claims.

    The article states ‘ the court rulings mean those who were denied compensation or those who received only partial refunds could demand all of their money back…’

    If this is true how can we find out if claims already paid were not fully paid out?

    Many thanks

  45. Wayne Clarke says

    Hi sarah have u ever heard off this company
    Claims Expertise Bureau
    They have emailed to say they beleive i had ppi claim that has been marked as paid but i never received. Does this sound suspicious

    Dear Mr Wayne Clarke,

    We just wanted you to know that we are working on your case reference number- CEB198523 for your PPI compensation which was rejected by your lender earlier. We are Claims Expertise Bureau LTD and we are writing on behalf of CMA, to bring to your notice that your case was approved before the cut off date however it was reported as PAID to the PPI Team though you didn’t receive the compensation. And this fraudulent activity didn’t just happen with you but affected thousands of customers in the entire UK.

    Good news is after the FCA’s intervention and other government bodies joined hands to take proper action against this malpractice being practiced by all the banks and building societies and brought these cases forward and made up a body to work on these cases individually. After several reminders and letters being sent through different mediums, finally the cases came out in the center and now being forwarded to authorized and appointed CMC’s to release the PPI refunds to all those effected.

    We are happy to inform that we have your case and it’s being handled by our dedicated claims specialist team. Now you don’t have to worry for anything except your Government ID proof and any one utility bill which we require to complete the verification. Your case is in safe hands and we will keep you updated during the entire process till you receive the compensation.

    We have assigned, [Mr. Martin Smith] a special request supervisor to manage your case. If you have any questions, do not hesitate to contact him directly.

    Best Regards,
    Customer Support Team
    Claims Expertise Bureau

    • Wayne Clarke says

      Hi Wayne,

      There is nothing strange about our company and we really are not concerned about what debt camel have to say whether or not they have heard of us. If you are really concerned about your PPI refund and would like us to process the file further in order to dispatch the cheque then feel free to contact us.

      It’s your stolen money and don’t forget how much effort was put in by the government department to get these straightened up. If you lose this time then there is no second chance and it’s a mandate for all those affected.

      • Sara (Debt Camel) says

        ask if they are FCA regulated… claims companies have to be. or they could be a firm of solicitors, regulated by the SRA. If they say yes, look them up on the FCA or SRA register to check.
        Not regulated? Draw your own conclusion…

  46. Tracey says

    Hi
    Could you please tell me if you have heard of a solicitor called Harcus Parker, he took a case to court regarding people receiving commission refunds from before 2017.

    Regards
    Tracey

    • Sara (Debt Camel) says

      Is this for PPI refunds? I have updated the article above with more about the new PPI legal case.

      • Tracey says

        It’s regarding Lloyds Bank (among others) charging secret commission before 2017, he states that even if you’ve been refunded ppi before 2017 you can now claim for secret commission on said ppi

    • Sara (Debt Camel) says

      ok so this is PPI. Some people have already won cases on this – now this firm of solicitors is trying for a group claim, see https://www.moneysavingexpert.com/reclaim/ppi-loan-insurance/.

      NB if you had a “full refund” of PPI before, this will have included the commission and there is no more to be refunded.
      But if you had a “Plevin” refund if part of the amount, then this group case may get you the rest back (minus their fees of course).
      And it may be able to help people who missed the deadline to complaint about PPI.

    • Tracey Kyffin says

      As far as bank loan ppi, where it states ‘refund of premium’ does this include the commission or not

    • Tracey says

      On my PPI refund from LLoyds Bank it states refund of premium then underneath Interest 8% obviously with amounts by the side but does it include commission because surely if it says refund of premium that’s just the ppi

      • Sara (Debt Camel) says

        I think it does. Because the point of the commission claims is that people weren’t told that the PPI insurance premium they were paying included huge amounts of commission.

    • Tracey says

      Do you know what percent commission did Bank of Scotland take on ppi, was it over 50% If you don’t know, where could I find out please.

      Regards
      Tracey

      • Sara (Debt Camel) says

        It is a reasonable bet that it was, but I have no idea and I don’t know how you would find out short of taking them to court

Recent articles

Help with your debts

Recommended places for debt advice

Get an email after a new article:

Follow on Instagram & Twitter

About Debt Camel

This is the personal website of Sara Williams.

More about Debt Camel.
Privacy policy and Comments Policy
Contact (not for debt advice)