Thetownend.com

I got a text message yesterday saying I was entitled to over £2500.00 through this PPI malarky.

I ignored and deleted the text but how would they know?

Wondering if other have received texts/phone calls about this?

One a day. I just text back saying fuck off

There's also a scam going about with companies saying your house has been put in the wrong band and they can get the overpayment refunded for you.

All for an upfront fee, of course!!!

thats the worse thing you can do.
the texts are sent out at random and if you text back even if its an insult, it gives them the info they are looking for, the fact that its a live number and they will just bombard you.

Best thing to do is ignore them.

Lots, and loads about my alledged recent car crash which I was injured in. Cunting spammers

Some text responses will be premium rate as well

If you had any loans claim,even if you know you didn't have any PPI they pay out if they cant prove that you didn't .I know 3 people that got 5 figure settlements.

obviously don't claim through these companies though, do it yourself

Seriously? I know full well that I unticked the option on my £10k car loan, could it be worth chancing it?

do you know which companies they used?

It's true that most of these are texts sent to random (harvested numbers) - I run a text marketing provider (http://www.psms.me) but absolutely refuse to sell our services to these twats and have even closed their accounts down even though they were spending over a two grand a month with us.

The only plus side is that they have to use a number to allow you to send a response text so if you text back STOP and they continue to send the text messages you can report them to ofcom (sadly fuck off isn't recognised as stop ;)).  

Premium rate numbers will always be short codes and these guys are not prepared to pay the price for them so as long as its a long code number starting 44 it should only cost a standard text...

Well Its just a form to fill out that'll take a few minutes, you've got nothing to lose? think you'll find the forms on moneysavingexpert or that sort of site.

I got some money on a loan I've defaulted on and have a repayment deal set up on,only knocked off what I owe but its  800 quid less to pay back

they didn't they did it them selves

Am i right in thinking this works for credit cards as well as loans?

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

You are one  among 500,000 that received this text - they bank on the fact that around half will have had PPI and probably less than 1% will fall for it but this still equates to 5,000 potential 'leads' that could generate over £100k in commission for them

Dunno,I think it was just loans that my brother did, I'm no expert.

You don't need to use a company to reclaim PPI... as yeo pointed out, I did mine through moneysavingexpert and even though the company declined it I then appealed it through the ombudsman... didn't cost me a penny...

Anything where they have charged you for payment protection insurance... mortgage, loan credit card...

It's worth a try but just don't use a PPI claim company to do it for you and don't let the loan company fob you off - take it all the way to the ombudsman and let them decide...

My mortgage supplier refused my claim and made false statements about sending me two forms to review and sign... one with PPI and one without... complete bullshit... they got hammered by the ombudsman even though I had made a claim on the insurance!

Fuck the companies that say they'll do it for you.  Do it yourself.  Follow the guide on Martin Lewis's page.  I did and the bank went through each account I had had with them and came back to me with an offer of just under £8k.  This included interest.

I havent done it for credit cards, however Im tempted to do it when I get time.

Best and only savings scheme Ive ever had.

I received a letter from Northern Rock saying they may have mis-sold me PPI. So I applied and they did! Got £400 back. I wouldn't bother with the 3rd party parasites.

I was only replying to Yeo's revelation that people claimed PPI back without having paid any... I would always do something like this myself (like the unfair charges stuff a few years back) , it's all pretty simple

Its worth complaining about PPI insurance especially with Natwest.... I got offered a settlement of £1225.00

I've always said no to such protection...probably not worth me claiming!

It was Natwest for me as well.  Bless em.  Bought me a new car.

The only overdraft I've had with natwest was my interest-free student jobby.

I'm assuming I can't claim anything?

In all honesty I don't recall ticking the Capital One box for PPI. At the time I remember thinking "cheeky bastards" when they charged PPI. Might be wrong, might be thinking of my current Tesco credit card. Must check it out...

Mine was all on loans rather than overdrafts.

i have claimed for my overdraft protection and loans. apparently it covers credit cards, mortgages too.

mine came to just under £7k and i contacted them all myself rather than using a company to do it for me. A lot of companies have a dedicated PPI dept now who you contact directly and they do the rest.

all you need is the account number and to say you never knew it was added and didn't require it if it was

I know i have paid PPI because i remember seeing the statements comes through but i cant remember for love nor money what it was for, it was a fair few years ago now,. will have to sift through my paperwork when i have a spare WEEK

Just call the banks that you have had dealings with, they'll do the hard work.