PPI Reclaiming discussion Part III

dreamer33

Morning all;)

Just to let yous know as soon as I hear anything regarding my ppi claim I will post it up, hopefully it will be good news.:T

Bye everyone hope yous all win too

mediator04

Hi

A newbie here.
I have been following this forum for a while now, decided to finally register, feel its time just for me to have my say, hope you don't mind.

Some hurtful posts here, it was a cheery thread which gave that welcoming feel, many times I have attempted posting, yes its a busy thread and plenty of chatter, in a way this can help a newbie feel more relaxed.
This is just my version and I know you all have yours, fair enough, its a ppi thread and its where help is needed, but reading some posts is also off putting for newbies rather vindictive as well.

Some posts have gone a bit too far and rather personal in an open forum, if that person is being asked questions then its going to be harped on if asked, yes who hasn't got problems ? Its quite nit picking, and just not a thing newbies want to see. Maybe scaring people away as well.

I am sorry but had to have my say.

Bring back that cheer guys.

pinknico

Well done for posting mediator04, I to used to love coming on this thread but the hypocrosy has finally got to me and like dreamer will now post when I have some news on my claims to encourage others.

smithyfolks

Hi Folks

Newbie Here looking for advice

I took out an Egg loan a couple years back for £9000 with Loan Repayment Protection (is that the same as PPI) and i cancelled the LRP in december can i go ahead and claim my money back on the Loan Repayment Protection and how do i work out how much it would be, i have all the paperwork at home, i had to sign the documents and send them back to Egg

Sorry if these questions seem a bit daft or you have answered them heaps of time before, i have never done this before but after watching and reading about the PPI thing it got me wound up and i want my money back

Any help is greatly appreciated

Muchos Thanks

marshallka

mediator04 wrote: »

Hi

A newbie here.
I have been following this forum for a while now, decided to finally register, feel its time just for me to have my say, hope you don't mind.

Some hurtful posts here, it was a cheery thread which gave that welcoming feel, many times I have attempted posting, yes its a busy thread and plenty of chatter, in a way this can help a newbie feel more relaxed.
This is just my version and I know you all have yours, fair enough, its a ppi thread and its where help is needed, but reading some posts is also off putting for newbies rather vindictive as well.

Some posts have gone a bit too far and rather personal in an open forum, if that person is being asked questions then its going to be harped on if asked, yes who hasn't got problems ? Its quite nit picking, and just not a thing newbies want to see. Maybe scaring people away as well.

I am sorry but had to have my say.

Bring back that cheer guys.

Hi and welcome, I take it you have a PPI question and would like to ask...

It is a cheery thread and no-one is on about the cheery bits if you take a look back then someone named "brock" has posted from the "outside" too and said it all. This thread is about helping people with PPI, we always answer the questions and lots of different views on here and we are no-way professionals at it. When we talk about other things posts get lost and its been more talk about anything and everything than PPI just of late. Its not the cheer we are on about. The cheer is good, its put well in the post by Brock and I myself have also been guilty of this...:o .

Some on here cannot claim through the FOS and we did at one time have quite professional people on here (not for own personal gain I must add) that helped in these cases but since the thread has changed the last few months we have had none. Its always been cheery and no-one ever complained about this in the times when I first joined and we all learnt certain aspects of the laws in making these complaints and claims. Lots went through the courts on their own and won.

If its me you are on about here then I am sorry that you feel that the "cheer" has gone from the thread but there are other reasons why people come on too.

You could also say that when "newbies" come on too they are put off by the lack of real talk on PPI.... it can work both way... its getting the balance right that all.

Hope you add to the thread and post up your PPI query as this may help others too. Thats what its about, helping other with their PPI complaints....

marshallka

smithyfolks wrote: »

Hi Folks

Newbie Here looking for advice

I took out an Egg loan a couple years back for £9000 with Loan Repayment Protection (is that the same as PPI) and i cancelled the LRP in december can i go ahead and claim my money back on the Loan Repayment Protection and how do i work out how much it would be, i have all the paperwork at home, i had to sign the documents and send them back to Egg

Sorry if these questions seem a bit daft or you have answered them heaps of time before, i have never done this before but after watching and reading about the PPI thing it got me wound up and i want my money back

Any help is greatly appreciated

Muchos Thanks

Hi Muchos, What are your reasons for making the complaint....

If it was missold to you and you feel you have a case then just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

It should not matter that you have now cancelled the insurance if you feel that you had good reason for making the complaint...

As regards what you would get, then this would be the money that the PPI has actually cost you including the interest and 8% statutory interest as a court would award.



http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck

Laini

Hi Marshallka
see you are still fighting everyones corner.
I am on a mission now for bank charges and more cc charges
I will have a read through some posts to catch up
and drum up some support and hopefully try to help too.

lol
Laini xx:j

di3004

Hello all.

Hope all are well.

Just to let you know my hubby heard from the FOS regarding his 2 complaints, they are going to get in touch to let him know where they are with them, as its been a few months since the last update.;)

Hi to the new member "Med" hope you don't mind me saying this for short lol, not to worry, its still the same thread and please post on here, don't let anything put you off, your welcome just like everyone here, its something in nothing and no need to worry.

Its a great thread and you will get plenty of help if this is required, good luck.

Thanks for your input on here though, I expect its appreciated by all.;)

I would also like to apologise for yesterday as well folks, I was a little tetchy "oops", and please keep posting for your help, Marshallka sorry as well hun, I was rather sensitive yesterday X

di3004

Laini wrote: »

Hi Marshallka
see you are still fighting everyones corner.
I am on a mission now for bank charges and more cc charges
I will have a read through some posts to catch up
and drum up some support and hopefully try to help too.

lol
Laini xx:j

Hi Laini

Missed you here and over the road hun, good luck with those bank charges as well.;) Catch you later.

Di.
XXX

marshallka

Laini wrote: »

Hi Marshallka
see you are still fighting everyones corner.
I am on a mission now for bank charges and more cc charges
I will have a read through some posts to catch up
and drum up some support and hopefully try to help too.

lol
Laini xx:j

Laini, I completely give up as it seems I have made more enemies from from the regulars on here than friends. I would say there are 4 posters that ovbviously don't appreciate any suggestions of "change"(back to how it was!!). I know you are still OTR and feel that people are now coming from OTR to "force me out" (not yourself by the way) so to speak. I did not come on here to be "Liked" by all but just to learn and help . I have now seen that by the regulars that I am being ganged up on - something I can now feel...:eek:

I will post up later...