PPI

[therealjr]

Has anyone looked into this and got any money back?
Reason I ask is that I've always ignored it because I'm 99.9% certain I've never taken any out but yesterday I had a cold call fom one of these companies offering to chase payments. The woman claimed that even if you didn't take the PPI out, the banks took it out anyway and added it to your premiums/interest payments.
I would have thought that highly illegal and therefore unlikely but where the banks are involved ......................!!

[Alsatian]

Has anyone looked into this and got any money back?
Reason I ask is that I've always ignored it because I'm 99.9% certain I've never taken any out but yesterday I had a cold call fom one of these companies offering to chase payments. The woman claimed that even if you didn't take the PPI out, the banks took it out anyway and added it to your premiums/interest payments.
I would have thought that highly illegal and therefore unlikely but where the banks are involved ......................!!

I'm with you on that - didn't realise that the banks took it out anyway, might be tempted to look into it. 

[k4blades]

I imagine it was just her "sales patter".

Most loans are repayed by direct debit so as long as you are aware what the DD should be, I can't imagine a bank changing it without you noticing.

We get countless spam and junk about this, we too have never took out PPI so it gets binned. But if we did have a claim I certainly wouldn't use a third party to get a back. There are loads of places on the internet where you can download a standard form from, fill in and send off, don't waste money on money grabbing, low life, ambulance chasers, which is all they are really. 

[Pete]

I might be in on this one. I have a vague memory of seeing this on a statement and wondered why I had broken the habit of a lifetime as I never do that sort of thing. Will check when I get home tonight.

In a similar situation I was asked if I wanted extended warranty on a house phone I bought for about £30...

[chesterfieldchris]

POST DELETED AT USER'S REQUEST

[Slacker]

Slow down for horses.............unless they are fox hunters

[Big Dave]

The law on advertising these 'services' was relaxed a few years ago, that's why such adverts plaster our TV channels, especially during the day when they're most likely to be seen by those who think they deserve something for nothing. A short while back it was Cash for Gold, now it's Payday Loans. Soon it'll be something else, something equally unsavoury that panders to greed. The goverment won't stop them because it needs to boost consumer spending.

[chesterfieldchris]

POST DELETED AT USER'S REQUEST

[Pete]

>> I'll do up to the speed limit on whatever road i find myself on. If the horse types don't like that, i suggest they get back into the fields or bridleways.

Bit harsh - with the best will in the world, even using fields and bridleways, sometimes a rider has to use a road.

I think, when you are out in the country, you should respect their way of life.

IMHO of course.

[Big Dave]

>> I'll do up to the speed limit on whatever road i find myself on. If the horse types don't like that, i suggest they get back into the fields or bridleways.

Bit harsh - with the best will in the world, even using fields and bridleways, sometimes a rider has to use a road.

I think, when you are out in the country, you should respect their way of life.

IMHO of course.

Agreed. Too many drivers who think a speed limit is a target speed irrespective of weather or other road users.

[Scimitar]

I'll slow down for horses, because its the horses I feel sorry for, not the riders.

I did claim some PPI back for a car loan I once had. The loan was £3k, and I got £1k back, so its worth doing in my opinion.
The banks have set money aside for it.

[emmz]

I do wish however that they would stop the phonecalls, its irratating to the max, yesterday we had 6 yes 6 phonecalls all to do with ppi. I have never had a credit card or loan so dont need this harrassment

[Big Dave]

I do wish however that they would stop the phonecalls, its irratating to the max, yesterday we had 6 yes 6 phonecalls all to do with ppi. I have never had a credit card or loan so dont need this harrassment

Register with the Telephone Preference Service to stop unwanted calls: http://www.tpsonline.org.uk/ctps/number_type.html

[Alsatian]

Register with the Telephone Preference Service to stop unwanted calls: http://www.tpsonline.org.uk/ctps/number_type.html

Yes, but they get around that by calling you from abroad 

[Old Cruser]

Yes, but they get around that by calling you from abroad 

Yes that's true as we are registered, but still sometimes get these calls