PPI Reclaiming discussion Part III

booi666

pinknico wrote: »

If I said this was my hubands credit card I feel I need explain no more:D

What you trying to say like:rotfl:

di3004

booi666 wrote: »

I mite look at my card that ive had for years and have a count up,

Because its only £10 or summat p/m i aint bin bothered with it:eek:

But if its over 1k then i mite just be tempted to have a dabble at getting it back:rotfl:

Double Check them you never know you may be surprised.;)

di3004

pinknico wrote: »

If I get my Picture PPI I promise to take you all out! :T If Picture have been guilty of secret commissions we will all go on holiday:beer:

lol, now that would be nice.....:T :beer: :j lol X

booi666

pinknico wrote: »

If I get my Picture PPI I promise to take you all out! :T If Picture have been guilty of secret commissions we will all go on holiday:beer:

Yeah i cant wait:cool:

Send me the number ill ring em and maybe it will bring you some good news again:rotfl:

booi666

di3004 wrote: »

Double Check them you never know you may be surprised.;)

Oh i will now:rotfl:

10past6

di3004 wrote: »

So do you feel it may be best for you to take this to the FOS route?.

Yes di, they sent me a PPI questionnaire, which I refused to fill in, I sent it back to them on Monday stating I refused to fill it in, today I've received the final reply.

I find it hard to believe they've conducted an enquiry, I believe this is a standard response.

The difficulty being, because the PPI box was ticked and signed, how do I prove it was mis-sold, looking at the application form, it looks like I've requested the PPI.

pinknico

10past6 wrote: »

Yes di, they sent me a PPI questionnaire, which I refused to fill in, I sent it back to them on Monday stating I refused to fill it in, today I've received the final reply.

I find it hard to believe they've conducted an enquiry, I believe this is a standard response.

The difficulty being, because the PPI box was ticked and signed, how do I prove it was mis-sold, looking at the application form, it looks like I've requested the PPI.

This is a difficult one, but if you were mis sold in a phone call and they dont have it then I would take it to the FOS and Northern rock will have to proove it didnt happen. You have nothing to lose going to the FOS even if you dont win. x

jojo1964

di3004 wrote: »

Yes you have a point here.;)

And the agreement do not show this either then I assume?

Dont have the agreement, i have had the card for years.

booi666

Rete peeps,

Im meeting my good lady from work and taking her for a drink(shes paying of course):rotfl:

So i bid you farewell and i may catcha later;)

Don't be causing bother tonight you lot:eek:

TARRAR:rotfl:

10past6

The letter goes onto to say:

The salesperson recommended PPI for the following reasons:

For simple peace of mind that your payments are being made

You had no cover in place to meet loan repayments.

That's not true, I get paid work or play by my employer if I'm off sick, I still receive a full salary so the payments would have been met.