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PPI Reclaiming discussion Part II

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  • tiggrae
    tiggrae Posts: 1,771 Forumite
    Well i just checked the AXA insurance website and the number i was given didn't match any of the numbers they had. So it looks like they just fob me off, i only spoke to themon phone i never sent a letter to them.

    I'm going to make a phone call in the next few days to speak to the manager direct, so i should get some decent results. I will let you guys what he says.

    I keep all my documents, the only term & conditions i got was from captial one for the credit card and that was in december. i never got anything about the PPI.

    They also spoke everything really fast, so i could not understand what they said.
    Don't ring the ALWAYS put your complaint in writing !!!!
  • alleybabes
    alleybabes Posts: 92 Forumite
    tiggrae wrote: »
    take it with you but I doubt you'll need it, this hearing is just a formality to hear the solicitors for the otherside apologise for not having sent the paperwork in on time

    Thanx tiggrae u r a star:beer:
  • marshallka
    marshallka Posts: 14,585 Forumite
    I don't know if i will get told off for this but it is friday and we all need a little cheering up so here goes. For anyone that has ever tried to worm a cat.

    HOW TO GIVE A CAT A PILL

    1. Pick up cat and cradle it in the crook of left arm as if holding a baby. Position right forefinger and thumb on either side of cat's mouth and gently apply pressure to cheeks while holding pill in right hand. As cat opens mouth, pop pill into mouth. Allow cat to close mouth and swallow.

    2. Retrieve pill from floor and cat from behind sofa. Cradle cat in left arm and repeat process.

    3. Retrieve cat from bedroom, and throw soggy pill away.

    4. Take new pill from foil wrap, cradle cat in left arm, holding rear paws tightly with left hand. Force jaws open and push pill to back of mouth with right forefinger. Hold mouth shut for a count of ten.

    5. Retrieve pill from goldfish bowl and cat from top of wardrobe. Call spouse from garden.

    6 . Kneel on floor with cat wedged firmly between knees, hold front and rear paws. Ignore low growls emitted by cat. Get spouse to hold head firmly with one hand while forcing wooden ruler into mouth. Drop pill down ruler and rub cat's throat vigorously.

    7. Retrieve cat from curtain rail, get another pill from foil wrap. Make note to buy new ruler and repair curtains. Carefully sweep shattered figurines and vases from hearth and set to one side for gluing later.

    8. Wrap cat in large towel and get spouse to lie on cat with head just visible from below armpit. Put pill in end of drinking straw, force mouth open with pencil and blow down drinking straw.

    9. Check label to make sure pill not harmful to humans, drink 1 beer to take taste away. Apply Band-Aid to spouse's forearm and remove blood from carpet with cold water and soap.

    10. Retrieve cat from neighbour's shed. Get another pill. Open another beer. Place cat in cupboard, and close door on to neck, to leave head showing. Force mouth open with dessert spoon. Flick pill down throat with elastic band.

    11. Fetch screwdriver from garage and put cupboard door back on hinges. Drink beer. Fetch bottle of scotch. Pour shot, drink. Apply cold compress to cheek and check records for date of last tetanus shot. Apply whiskey compress to cheek to disinfect. Toss back another shot. Throw tee shirt away and fetch new one from bedroom.

    12. Call fire brigade to retrieve the F****** cat from across the road and up a tree. Apologize to neighbour who crashed into fence while swerving to avoid cat. Take last pill from foil wrap.

    13. Tie the little b*****d's front paws to rear paws with string and bind tightly to leg of dining table, get heavy-duty pruning gloves from shed. Push pill into mouth followed by large piece of fillet steak. Be rough about it. Hold head vertically and pour 2 pints of water down throat to wash pill down.

    14. Consume remainder of scotch. Get spouse to drive you to the A&E Department, sit quietly while doctor stitches fingers and forearm and removes pill remnants from right eye. Call furniture shop on way home to order new table.


    5. Arrange for RSPCA to collect mutant cat from hell and call local pet shop to see if they have any hamsters.





    HOW TO GIVE A DOG A PILL

    1. Wrap it in bacon.
    2. Toss it in the air

    I thought it was hilarious.
  • tiggrae
    tiggrae Posts: 1,771 Forumite
    marshallka wrote: »
    I don't know if i will get told off for this but it is friday and we all need a little cheering up so here goes. For anyone that has ever tried to worm a cat.

    HOW TO GIVE A CAT A PILL

    1. Pick up cat and cradle it in the crook of left arm as if holding a baby. Position right forefinger and thumb on either side of cat's mouth and gently apply pressure to cheeks while holding pill in right hand. As cat opens mouth, pop pill into mouth. Allow cat to close mouth and swallow.

    2. Retrieve pill from floor and cat from behind sofa. Cradle cat in left arm and repeat process.

    3. Retrieve cat from bedroom, and throw soggy pill away.

    4. Take new pill from foil wrap, cradle cat in left arm, holding rear paws tightly with left hand. Force jaws open and push pill to back of mouth with right forefinger. Hold mouth shut for a count of ten.

    5. Retrieve pill from goldfish bowl and cat from top of wardrobe. Call spouse from garden.

    6 . Kneel on floor with cat wedged firmly between knees, hold front and rear paws. Ignore low growls emitted by cat. Get spouse to hold head firmly with one hand while forcing wooden ruler into mouth. Drop pill down ruler and rub cat's throat vigorously.

    7. Retrieve cat from curtain rail, get another pill from foil wrap. Make note to buy new ruler and repair curtains. Carefully sweep shattered figurines and vases from hearth and set to one side for gluing later.

    8. Wrap cat in large towel and get spouse to lie on cat with head just visible from below armpit. Put pill in end of drinking straw, force mouth open with pencil and blow down drinking straw.

    9. Check label to make sure pill not harmful to humans, drink 1 beer to take taste away. Apply Band-Aid to spouse's forearm and remove blood from carpet with cold water and soap.

    10. Retrieve cat from neighbour's shed. Get another pill. Open another beer. Place cat in cupboard, and close door on to neck, to leave head showing. Force mouth open with dessert spoon. Flick pill down throat with elastic band.

    11. Fetch screwdriver from garage and put cupboard door back on hinges. Drink beer. Fetch bottle of scotch. Pour shot, drink. Apply cold compress to cheek and check records for date of last tetanus shot. Apply whiskey compress to cheek to disinfect. Toss back another shot. Throw tee shirt away and fetch new one from bedroom.

    12. Call fire brigade to retrieve the F****** cat from across the road and up a tree. Apologize to neighbour who crashed into fence while swerving to avoid cat. Take last pill from foil wrap.

    13. Tie the little b*****d's front paws to rear paws with string and bind tightly to leg of dining table, get heavy-duty pruning gloves from shed. Push pill into mouth followed by large piece of fillet steak. Be rough about it. Hold head vertically and pour 2 pints of water down throat to wash pill down.

    14. Consume remainder of scotch. Get spouse to drive you to the A&E Department, sit quietly while doctor stitches fingers and forearm and removes pill remnants from right eye. Call furniture shop on way home to order new table.


    5. Arrange for RSPCA to collect mutant cat from hell and call local pet shop to see if they have any hamsters.





    HOW TO GIVE A DOG A PILL

    1. Wrap it in bacon.
    2. Toss it in the air

    I thought it was hilarious.
    I wouldn't mind but I've had a cat and now got a dog and it's absolutely true !!!
  • angelwillow
    angelwillow Posts: 397 Forumite
    marshallka wrote: »
    I see other people on this site are having ppi on credit cards looked at. Why not ring again and speak to another advisor. Maybe they had it wrong or you could of interpreted it wrong. Make it clear it was PPI.

    They are store cards unfortunately.
  • angelwillow
    angelwillow Posts: 397 Forumite
    tiggrae wrote: »
    The FO should look at store cards now - but probably only those taken out after 15.01.05 (most are under GE Money) who were not regulated until 15.01.05 - if they are bank credit cards the FO should look at them as to when that particular bank came under their jurisdiction

    Yes you are right they are store cards thru GE (never again! :mad: ) and since they were before 15/01/05 the FO say they can't help unfortunately.
  • bridle
    bridle Posts: 15 Forumite
    tiggrae wrote: »
    what did you put on your particulars of claim and has a hearing date been set yet ?

    The brief particulars of claim says

    That the defendants representative forced me to take out the ppi saying that if i do not have the insurance they will not give me the loan and they also sold me ppi insurance that was not suitable for me as i have a pre-existing medical condition which the defendants representative was fully aware of at the time of my application. and that i was told verbally by the defendants representative that they no longer do loans without ppi.

    Welcome's defence just basically says well the form says insurance is optional and therfore the choice was mine and therfore they are not liable. also they state that i must provide proof that there representative said what she said.

    No hearing date set yet but should get that from the court very soon as the allocation questionaire went in last week.
  • leedspete_2
    leedspete_2 Posts: 163 Forumite
    Part of the Furniture Combo Breaker
    i have sent my S.A.R - (Subject Access Request) off got the reponse i needed in record time but i do not understand statements.it says something about capitalization which i don't understand.also i faxed a letter saying i wanted to cancel my ppi but they haven't done.what do i do next
  • sparky0107
    sparky0107 Posts: 3,496 Forumite
    Debt-free and Proud!
    Morning everyone,
    Finally got my brother on board with reclaiming, hes received his SAR back from igroup, on the paperwork there is a "brokers" fee of £1500 & also a "lenders application assessment & competion cost" of £500. Does anyone know what this means?

    Thanks in advance
    Sparky0107 - Sealed pot challenge member #002. Total for SPC3 £1,030.57 Total For SPC 4 £2247.00 Total for SPC 5 £2574.62 :T Total for SPC 6 £4552.91:T
    :rotfl:LC2 & Jakes-Mum are off their heads :rotfl
    :j DEBT FREE AS OF 20/01/2012 :j
  • Hello

    I have finally got copies of my Barclaycard statements through and have just finished going through my PPI charges which total £242.09 - do I add the 8% statutory interest on top of the total amount or each PPI payment? Sorry if I sound a bit thick here - I've nevber been good at maths!! :rotfl:

    Thanks!
    Barclaycard PPI £274.84: Currently with FOS
    Barclaycard Fees £226.87: Still being hit with overlimit fees due to BC lowering limit :mad:
    MINT £101.61: Accepted offer for £95.05! 17/08/08 :T
    Abbey: Waiting for list of charges
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