Sir loin
Member
- Location
- North Yorkshire
I do not want to pry but are you a tenant farmer and were your loans overdraft etc secured or not?
Farmers and ppi
- Thread starter McD
- Start date
Bramble
Member
Which bank, if you don't mind me asking? PM if you prefer
- Location
- Ceredigion
Would life insurance be classed as a ppi
Lazy Sod
Member
- Location
- Warminster Wiltshire
Between 1975 and 1995, I financed quite a lot of tractors and machinery with leases, and in one case, an HP agreement for a tractor, all from Humberclyde. I have no idea if any ppi was included in the arrangements, the paperwork was chucked when I moved house, and I don't think that the company exists anymore.
Any ideas, anyone?
Any ideas, anyone?
YorkshireAndrew
Member
- Location
- West / North Yorks border
Have a chat with the Financial Services Authority (FSA) , they should be able to help you , very helpful .
- Location
- cornwall
Lloyds
Many thanks,we are to I will give them a call ,nothing ventured nothing gained .
matthew
Member
- Location
- Cornwall, SW England
From what I read on Money Saving Expert site, the whole thing with loans etc is that a type of life or credit assurance was tacked on whether you knew it or not.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
A life assurance policy is just that. But could be wrong.
- Location
- cornwall
That is the impression I got, basically it seems any sort of borrowing from the 1980's onwards had it tacked on and they are paying up on everything
- Location
- Ceredigion
How far back .was 18 years ago
- Location
- Ceredigion
I took out a load that was about 1/10 the value of the farm that was bought and payed for and the insisted I took out a life policy
- Location
- Ceredigion
Loan not load
- Location
- Ceredigion
Also if I contact my bank direct. The do have a ppi complaints department am I likely to get as much as going through an agency
- Location
- East Sussex
More because the agency will usually take commission, 10% at least I think.
Good thread this , we are unfortunatly cleaning out my parents old house due to surrendering it to the landlord , I do have a wife who is a treasurer and will be looking through old paper work some of which will be from Humberclyde to see what's what , if we do find anything I will let you know
matthew
Member
- Location
- Cornwall, SW England
I phoned the 'complaints' dept this morning. Strange system. Mine wasn't a complaint at all. Just an enquiry, but hey!
Anyway all details taken. Lloyds can track back to Lloyds TSB and beyond and also, when I find the paperwork, to AMC for loans.
Originally OH traded as a sole trader, and only that person can deal with communications unless a letter of authorisation is lodged do that I can do it. You also have to give a reason why you think you may qualify, and what prompted you to enquire. So TFF was duly logged.
On a mission now to find lease hire stuff and previous bank / mortgage provider. I shall go back as far as I can. I noticed BOCM was mentioned on that website and we had a loan from them, to buy milk quota when the bank was dragging its feet. Onwards and upwards. They can always say no.
Prior to 2001, apparently you may need more paperwork.
matthew
Member
- Location
- Cornwall, SW England
The
Money Saving Expert site indicated that life policies could be purchased more cheaply elsewhere, or a medical condition may have made them invalid. Both reasons for challenging. He said.
Speedstar
Member
- Location
- Scottish Borders
looking on the net there are lots of company's that with do it for 10% + vat
- Location
- Ceredigion, wales
Has anyone used one of these companies? Must say they come across as ambulance chasers if I'm honest.