PPI Reclaiming discussion Part III

booi666

di3004 wrote: »

Hi Toffee Penny

Yes do what Incipience suggests, I know not all times the CCA comes back within the SAR, although I think they may charge a £1 for requesting for this alone.
Ask them on this just in case.;)

I ask myself,

Can they produce to you a true copy of a cca?

mmmmhhhhhh:eek:

di3004

nutmeg wrote: »

Thanks for the reply Di,
The company is Halifax, if i decide not to go to FOS just yet how long should i give them?

Right okay hun
Your okay with Halifax then.;)

How long did it take them to reply to your first letter?

If it were 6 weeks after, then really they have another fortnight (14 days).
As they have 8 full weeks to respond, or give them 14 days anyway.;)

Then if you do not hear anything at all I would still proceed with the FOS and enclose copies of correspondence you have from Halifax, also send Halifax a copy as of the complaint form as well, if they do not uphold this in your favour, as soon as they know its within the FOS they can still reconsider, if so and its good news, then let the FOS know.:D

pinknico

Not exactly with Peter, as this has been passed on. But loans are waiting to go to solicitors.

di3004

booi666 wrote: »

I ask myself,

Can they produce to you a true copy of a cca?

mmmmhhhhhh:eek:

Boo going back to that......:o just as long as other posters do not get the wrong impression again lmao.....:rotfl: , I was checking my Endeavour cca out last night, and within the SAR there were a few copies of the one we received when having the loan and another they had with their signature on it......and not ours........ everything else is exactly the same....one states a "banks copy" that was the one I think....

tylerlewis

HFC Have changed their minds Yaaaaaaaaayyyyyy!!!

After telling me I could only have my refund by offsetting against what I still owe and me being on the phone everyday until they told me what I wanted to hear, they're sending me the forms today for me to sign to say I agree with the refund amount, now they've added the 8% interest, and to confirm I want a chq.

Then I need to sort my remaining payments so reduce them by a messly £4 a month but hey its better in my pocket.

Just wondering now how long it'll take for the chq to arrive??????

di3004

pinknico wrote: »

Not exactly with Peter, as this has been passed on. But loans are waiting to go to solicitors.

lol, that's what I mean't, silly me lol, so its moving on then?;)

booi666

di3004 wrote: »

Boo going back to that......:o just as long as other posters do not get the wrong impression again lmao.....:rotfl: , I was checking my Endeavour cca out last night, and within the SAR there were a few copies of the one we received when having the loan and another they had with their signature on it......and not ours........ everything else is exactly the same....one states a "banks copy" that was the one I think....

A true copy of the origional signed by both parties di?

pinknico

Usually 4 weeks

di3004

tylerlewis wrote: »

HFC Have changed their minds Yaaaaaaaaayyyyyy!!!

After telling me I could only have my refund by offsetting against what I still owe and me being on the phone everyday until they told me what I wanted to hear, they're sending me the forms today for me to sign to say I agree with the refund amount, now they've added the 8% interest, and to confirm I want a chq.

Then I need to sort my remaining payments so reduce them by a messly £4 a month but hey its better in my pocket.

Just wondering now how long it'll take for the chq to arrive??????

Wow well done.........:T :T :beer: , wow that was quick wasn't it? lol :T .

Unfortunately depending on what sort of cover it was, some do not reduce by much at all, but wow bet your pleased they changed their minds?

Good work hun.:T :T Congratulations to you.

When you receive the forms, they generally give you 14 days to my knowledge and experience of this, I would also enclose a letter to tell them you will appreciate this payment within 14 days of them receiving this, again post by recorded delivery to check to make sure they have received your signed documents.;)

Great news that.......:D :j .

Di.
XXXXXXX

di3004

booi666 wrote: »

A true copy of the origional signed by both parties di?

I will check this out again later, to be sure.;) I have that many....possibly copies......

Oh Boo I will email you or PM you with HFC email address, hope its the same department lol, was meant to post this to you the other day, will get on with that now by PM okay hun?:D