-
Overdraft charges-agave been labelled schizophrenic
I have my bank statements here from 2007 before I was diagnosed schizophrenic in 2011. I wrote to the financial abundsman in 2017 but was told it was too late now. That was the abundsmans point. I was wondering what are the rules for someone who is diagnosed schizophrenic and been in and out of mental institutions since…
-
NRAM & Northern Rock giving extra money for late complaints
I found out that I had PPI with nram and as with most of us I made a complaint to reclaim it. In their response, they offered me a handsome amount of money and said this would be paid within 28 days. I called to complain again as they took longer than 28 days although it turned out that it was 28 days from the day of…
-
Financial Ombudsman Service vs Finance & Leasing Association
Hi guys, I understand both offer a free, independent service for resolving disputes. Moreover, Black Horse state that “if your case is not eligible for the FOS, you can write to the FLA setting out your concern”. So, does this suggest you should always complain to the FOS first? Are there any differences? E.g is one better…
-
Ex husband claimed my PPI refund
Before the PPI deadline I contacted a firm who handle people’s PPI claims. I then got a letter from the CoOperative bank which informed me that a refund was due on two bank loans taken out many years ago. At the time I was married, the loans were joint. However we divorced in 2003 and he filed for bankruptcy. Our house was…
-
PPI tax refund
Can anyone help me I'm completely fed up I got a PPI refund in May and have been trying to claim the tax back since martin lewis highlighted this I filled in a R40 form and heard nothing I finally managed to get through to HMRC yesterday and was told I'd filled it in incorrectly, they never even bothered telling me, I'm…
-
Lex Vehicle Leasing/ Lex Vehicle Finance/Lex Freechoice PPI
Just wanted to double check I haven't missed anything with regards to this PPI claim Lex Vehicle finance aka Lex Freechoice no longer exist as financial entities following Lloyds acquiring HBOS (2013?). Lex Autolease does which is a Black horse division of Lloyds Paperwork I can find says Lex Vehicle finance was initially…
-
Ref: GMAC Mortgage/ PPI Claim
I made a claim through Resolver regarding a GMAC second mortgage that I had in the past. The details came up that GMAC was now a company called Paratus. I sent a reminder email and received a response from a company called Foundation Loans. This company was fobbing me off with a final response stating that they did not…
-
Time barred PPI but received handsome compensation
Hello Just wanted to know if anyone out there can help me to understand my situation. Back in the 80's I had a barclays credit card and bad times fell upon me and I defaulted on the repayments on the card. Barclaycard took me to court won and I received a CCJ which was paid and settled in full. I was so horrified that I…
-
CMC (Claims Management Company) re PPI not authorised
I have just received a PPI payout notification that was previously, apparently inaccurate. After further investigation, it seems Barclays were incorrect. Barclays have written stating “We have noted from the FCA that your Claims Management Company (CMC) is not currently authorised to act on behalf of customers. As they…
-
Capital One undelivered mail via Resolver
Hi I've found out that my PPI claim to Capital one went undelivered via Resolver. Does anyone know of another email address to send it to? I applied via capital one just before the deadline and they sent for more info which I had to submit via Resolver. (It's the extra info that didn't go through). I saw the undelvered…
-
Bank Upholds PPI Complaint then changes mind?
Hi all I put in my PPI complaint a while back. I received a letter from LLoyds dated 9 August saying they have upheld the complaint and would pay me within 28 days. A couple of weeks later I received a letter, dated 20 August, which looked like an automated letter apologising for not having replied to me yet saying they…
-
PPI New offer received
Hi There, can anyone help? I claimed PPI in 2016 and was paid out (albeit a small amount) in February 2017, I used Chandler Simmons, I paid there invoice and that was the end of it. However i have since received a letter & Cheque from Barclaycard out of the blue with a substantial cheque attached. i have received no…
-
Can I refuse to pay a claims company their fee??
I am looking for some advice as I have had a LOT of issues with the claims management 'specialist' (using that term loosly) As I have had to do most of the work!! I have now, After nearly 3 month's, Recieved my payment but am extremely annoyed at having to settle their 30% fee when I have recorded so many issues with them…
-
PPI After and IVA and Allay Cliams
Hi all I hope you can help me. I have just been told some news that has shocked me I successfully completed an IVA in 2012. Since then I did not think too much about claiming back PPI until I started getting continuous requests form PPI Claim companies wanting to check on my behalf. Eventutally I gave in to Allay Claims…
-
Last chance PPI Claims
i am almost certain that i've never paid for PPI. i have had lots of credit cards, but i've never knowingly paid for protection of my balance.. i had an interest only mortgage, but i don't think i had protection for that either.. but a chap i know has allowed a search to be done on his behalf, believing he'd had no PPI,…
-
Respose times from banks/providers using Resolover
Hi everyone. A day or so prior to the PPT deadline I submitted "I think I am owed a PPI payment please check" type template to providers LTSB, BlackHorse, HSBC, IF, HBOS and Creation Finance. I used the Resolver service to do this. So far I have not had any responses from the providers, only from Resolver to remind me I…
-
Optional Payment Protection Insurance
I managed to claim some money bank from Barclaycard for mis-sold PPI over 12 months ago. However, I'm still being charged for Optional Payment Protection Insurance on my monthly credit card statement. Is it possible for me to cancel this and do I need to contact Barclaycard. Thanks
-
Home Shopping personal finance loan - claim not found - HELP
Hi All I put in a claim to Halifax (BOS) for a 1) Home Shopping and Personal finance loan 2) a BOS preference card that came with it via resolver. I've chased the claim with Halifax via the phone and they say they only have a record of one claim, for the card. Has anyone else put in a claim for the loan? I thought about…
-
Cancelled claims company but still invoiced
Hi, I contacted a claims company (Allay) in early May but later decided to not use them and sent an email and letter asking for them to cancel the contract. Since then I have received emails saying "things" are progressing and to every one of these I have replied that I wish to terminate their services. Lloyds have just…
-
Payout
Hi there I took out a credit card in 2003 and it was taken over by HBOS in 2005. I received a letter today that they would make a good will gesture of £45 seeing as they weren't the ones who added PPI and have forwarded the complaint to TSB the original owners if you like. Is this a fair amount or should I take it to the…
