The No Subject Thread - The Bear and Badger

djchump

Piss dungeon?

djchump

Of course.

GooberTheHat

tigerswiftly wrote:

Wait... I meant how recent. Though my mortgage is definitely too recent to get me all the dollar.

I think all the fuss was kicked up around 2009/2010? Anything taken out more recently than that probably won't have ppi, but check anyway.

afgavinstan

It's 2008. I doubt I'll have anything. By that point I had (still have) a large overdraft with RBS, but on their and others forms there's only options for credit cards or loans from them. I ticked loan as it kinda is one, but I'm expected to be laughed at in reply. Can only ask though.

Roujin

I'm just here to say, rah, nice Hair, one day I'd like such amenities as a wet room, and a proper bathroom where there's a fuck off shower that just drains directly into a nice stone floor.

I think for all the people who aren't sure about ppi, what put me off at first a few years back was that I dont think the online forms were there, it was phones or post checks or third party vultures. Last night I did both my bank account and my credit card in 2 minutes online.

And I just remembered that I used to have an egg card before I switched to virgin/mbna so i should probably look into who took them over.

[Deleted User]

There was a box to tick for RBS which was ‘check all products from all brands’ Gav.

yourfavouriteuncle

My intention was to spend my payout on pick and mix but it seems one man can only eat so much sugary goodness. Put the others towards a couple of bathrooms and I'm still in credit. Its worth doing. We should have a PPI-stock when everyone is paid out. We'll base it in Canary Wharf, outside HSBC as a fuckyou presuming they haven't already brexit'ed out to Amsterdam or Dusseldorf or somewhere by the time we're all rich.

Tempy

I've done the Halifax thingy. Doubt it'll come to anything but can't be any harm in it.

poprock

Sidenote for y’all … the other thing to get complaints in for is payday loans. If you ever took out any of those, get complaints in using Resolver via MoneySavingExpert.com (the link is somewhere down that page).

This isn’t a PPI thing, it’s separate. There was a ruling a few years back that pretty much all payday loans ever in the UK were mis-sold and should be refunded in full. Basically the lenders weren’t properly checking affordability.

The biggest lender, obviously, was Wonga.com – and they went bust. But if you ever used them, there’s a really simple online form to register with their administrators and get your share of an eventual payout when their investigation concludes. Again, you can find a link from that MoneySavingExpert.com page.

I’ve been putting claims in this morning, because why the fuck not. I had a lot of payday loans back in the day, when I was living hand-to-mouth after my divorce. Got into a real hole of needing to take out multiple ones from different lenders every month just to pay my rent – which is exactly the sort of thing they’re being sued for now and having to give refunds. I should never have been loaned that money, it was ‘irresponsible lending’ to a tee.

Yossarian

I’ll bear that in mind if you’re ever short of cash and ask to borrow a tenner.

poprock

Buddy, can you spare a dime?

Diluted Dante

poprock wrote:

Sidenote for y’all … the other thing to get complaints in for is payday loans. If you ever took out any of those, get complaints in using Resolver via MoneySavingExpert.com (the link is somewhere down that page). This isn’t a PPI thing, it’s separate. There was a ruling a few years back that pretty much all payday loans ever in the UK were mis-sold and should be refunded in full. Basically the lenders weren’t properly checking affordability. The biggest lender, obviously, was Wonga.com – and they went bust. But if you ever used them, there’s a really simple online form to register with their administrators and get your share of an eventual payout when their investigation concludes. Again, you can find a link from that MoneySavingExpert.com page. I’ve been putting claims in this morning, because why the fuck not. I had a lot of payday loans back in the day, when I was living hand-to-mouth after my divorce. Got into a real hole of needing to take out multiple ones from different lenders every month just to pay my rent – which is exactly the sort of thing they’re being sued for now and having to give refunds. I should never have been loaned that money, it was ‘irresponsible lending’ to a tee.

Ah, now Wonga is something I used.

poprock

Here’s the direct link for Wonga stuff:

https://claims.wonga.com

You don’t need any details other than the email address you used for your Wonga account.

LivDiv

Arent you pretty much fucked if it was Wonga?

poprock

The administrators say it may be over a year before they make any payouts, and because of the number of claims there will not be enough money in their fund to repay everyone in full. But they will be dividing up the compensation pot between all claimants, eventually. Might as well put your name on that list.

LivDiv

Something down the line possibly is better than nothing at all I guess.

afgavinstan

Andy wrote:

There was a box to tick for RBS which was ‘check all products from all brands’ Gav.

Hmm. I'll go back to it. Cheers man

Diluted Dante

Submitted.

Wookienopants

If we’re all successful I fully support the suggestion of a PPI stock in the financial district

Unlikely

Anyone done this for Nationwide (my mortgage was with them from 2001 until 2015) and/or Lloyds TSB (took out a loan to buy a car from them about 10 years ago)? If so, was the process straightforward?

LivDiv

I've done Nationwide but not for a mortgage.
It was a while back so cant help with links, I think I did it through the post.

[Deleted User]

Unlikely wrote:

Anyone done this for Nationwide (my mortgage was with them from 2001 until 2015) and/or Lloyds TSB (took out a loan to buy a car from them about 10 years ago)? If so, was the process straightforward?

For the two that I’ve filled out, and the others I’ve looked at, you go to the website, go to the PPI complaints section, fill out a form with your name, date of birth, current and previous addresses, and that’s it. It’s up to them to look through their products and find out if you had PPI, how much, and when.

I don’t think I’ve ever had it (I have group insurance through work which includes income insurance, so I have always declined when offered) but for the ease of filling out the forms, I figured why not. My old credit card and overdrafts might have had it without my knowledge. If I get nothing, I lost less than five minutes finding out.

poprock

Unlikely wrote:

Anyone done this for Nationwide (my mortgage was with them from 2001 until 2015) and/or Lloyds TSB (took out a loan to buy a car from them about 10 years ago)? If so, was the process straightforward?

Mine was all with Lloyds. It was stupidly easy.

LivDiv

Fuck me that Tesco one was a ballache. There didn't seem to he the easy form, had to do the full thing.
That's me done on everything now, forgot about my student overdraft.

Rev

Filled in a few forms based solely on the last couple of pages here. You never know.

tigersgogrrr

I'm a fucking idiot who sold a digital copy of a game on eBay and now they're saying they were hacked and I've already given them the fucking code ughgudhgudhgdg so I guess that's me out of pocket.

Kow

They were hacked so what?

g.man

Did you not wait for them to Paypal you the money before you gave them the code?

Kow

Sorry, I've never used eBay or sold anything online. What does it mean?

tigersgogrrr

So they want a refund, but I can't give it to them because the product has already been used.

And after a quick search it appears I shouldn't be selling digital codes on eBay as it's against their terms of service or something so I doubt I'd win any case against me. I told a half truth and told them I've posted the item (which has the code written on it) because then I can make the argument that although it's a code it is still a physical product I've sent... I guess.

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