PPI Reclaiming discussion Part III

bathgatebuyer

Righty-ho. I'm off to watch the footy on Setanta and cheer on the mighty Ayrshire Killie!!!! (The language likely to be particularly choice given the mood I'm in). And yes, lunch is going to be a scrambled egg roll and I'm going to whisk that flipping Egg like no Egg has ever been whisked before!

booi666

pinknico wrote: »

Thanks Boo, can't believe it. The SARS also shows that they added ppi to a loan without premission the box is clearly unticked.Will help them with their investigation by sending them the offending paper work.

Query: If I have signed a direct debit form for a set amount of money and they take a different amount can I threaten them with anything?

Theft:rotfl:

It all depends on what it was for i would of thought, eg variable rates things like that:eek:

pinknico

bathgatebuyer wrote: »

Do you mean in terms of my household legal protection?

I'm certainly happy to submit the court papers as I've taken another bank to court over this issue (they settled eventually!), but definitely feel this is not the end of the matter as far as Egg go.

I'm pretty sure the FOS option that Egg have put at the end of their letter is now pretty much a 'no go' given that the policy was taken out in June 01. Is this correct?

No that is not correct Egg is a bank and covered back then, my loan is with them for 2000. Court would be quicker but then you cant go to the FOS after.
If you go to the FOS and they say no you can then go to court.x

bathgatebuyer

So, would you take the FOS route? The only thing that worries me about that is the length of time to get anywhere with it. It seems to take an inordinate amount of time to get anywhere with these things!

Speaking of the FOS, I also got a letter from them today about my claim against Sainsburys. They have said that they have contacted the business to obtain further information about my case.

"The Adjudicator will carefully consider what you and the business have said, before setting out their views on how the complaint will be settled".

"Because we are dealing with a particularly large number of complaints, I am sorry that it may be a while before an adjudicator is free to look into your case. However, one of my colleagues will write to you as soon as possible - and certainly within two months - to keep in touch with you".

At least a court action would save the hanging around with the FOS, but I thought the FOS would only cover things within the 6 year rule. This was a policy from June 01, so I think I'm well out of that, but is it 6 years from then or 6 years from now?!

(P.S. One nil up, should have had someone sent off, and the Saints missed a penalty)

masmit

bathgatebuyer wrote: »

No win no fee? I'm not too sure how I feel about those companies. General advice appears to be to avoid them. Do the offer guarantees about your credit record and things afterwards?

What about the FOS option?

you cannot have insurance with the no win no fee company's they take a percentage of your claim if they win.
There are solicitors taking these claims on with you being covered by insurance so you dont foot the bill if you lose,& if you win you keep all of your claim & the solicitor claims his/her bill off the company involved.
hope this helps.

jojo1964

Advice please, if requesting copies of loan agreements from FP, is that a SARS request, and do i need to send £10 with it, or is it different to the SARS request?

pinknico

jojo1964 wrote: »

Advice please, if requesting copies of loan agreements from FP, is that a SARS request, and do i need to send £10 with it, or is it different to the SARS request?

If you only want agreements it is £1 per agreement.

If you want all the information from them phone calls,statements etc that is a SARS and is £10

jojo1964

pinknico wrote: »

If you only want agreements it is £1 per agreement.

If you want all the information from them phone calls,statements etc that is a SARS and is £10

Just looked back and saw it was £1, but didnt know if it had changed since first published, thanks.

If i dont have account numbers for previous loans, can i request those from the same template letter?

And do i send it recorded delivery?

pinknico

bathgatebuyer wrote: »

So, would you take the FOS route? The only thing that worries me about that is the length of time to get anywhere with it. It seems to take an inordinate amount of time to get anywhere with these things!

Speaking of the FOS, I also got a letter from them today about my claim against Sainsburys. They have said that they have contacted the business to obtain further information about my case.

"The Adjudicator will carefully consider what you and the business have said, before setting out their views on how the complaint will be settled".

"Because we are dealing with a particularly large number of complaints, I am sorry that it may be a while before an adjudicator is free to look into your case. However, one of my colleagues will write to you as soon as possible - and certainly within two months - to keep in touch with you".

At least a court action would save the hanging around with the FOS, but I thought the FOS would only cover things within the 6 year rule. This was a policy from June 01, so I think I'm well out of that, but is it 6 years from then or 6 years from now?!

(P.S. One nil up, should have had someone sent off, and the Saints missed a penalty)

My only concern here for you BGB with the court is that because this was internet and you would have had to select it (allegedly) then they will say you should have read the policy on line which would have shown exclusions(allegedly)

pinknico

jojo1964 wrote: »

Just looked back and saw it was £1, but didnt know if it had changed since first published, thanks.

If i dont have account numbers for previous loans, can i request those from the same template letter?

And do i send it recorded delivery?

You can ask for previous loan account numbers and yes send recorded so you know they received it and cant deny receiving it.

Do you only need account numbers for the previous loans?