PPI Reclaiming discussion Part III

maxdp

di3004 wrote: »

Hi Max how you doing hun ?:D
Wow you are sooooo clever.....:T x

Hi Di

Just pretending I know what I am doing:rotfl:

Am fine this morning thank you. Hope you OK too.

I have sent three messages to FOS in last week and have not heard back at all. Hmmmm I need answers and my money back whilst I am still young enough to enjoy it:D:T:eek:

di3004

maxdp wrote: »

Hi Di

Just pretending I know what I am doing:rotfl:

Am fine this morning thank you. Hope you OK too.

I have sent three messages to FOS in last week and have not heard back at all. Hmmmm I need answers and my money back whilst I am still young enough to enjoy it:D:T:eek:

Hi there......:D
You are giving me the giggles here lol....:rotfl: :rotfl: , cool though...:D .
Good to know your okay.;)

Three messages to the FOS and not one back yet ?:eek:
Golly I hope you hear soon then and yes its your money and the quicker you get it back the quicker you can enjoy it.....:D :j lol.

Hope you hear today.;)

maxdp

di3004 wrote: »

Aww damn I missed that bit.......:o , oh dear what am I like ?:o , so is there any other way around this then ? , honestly I think I should get my eyes checked out.......:eek: .
Thanks for raising this Max.:A

Hi Di

Am sure am right but this needs checking I do not want to put this poster of from claiming if I am wrong.

Have to go out get roots done:eek:. Will be back later

:T

di3004

A little bit of a news update here:
FRSGlobal comments on the FSA closing in on £100m in fines:::::::::::

http://www.bobsguide.com/guide/news/2008/Oct/29/FRSGlobal_comments_on_the_FSA_closing_in_on_%C2%A3100m_in_fines.html

morgan8080_2

Hi i believe i have been mis sold PPI on numerous occasions. My husband has a loan with hsbc that is now in arrears as we are struggling to pay it. I am wanting to claim the PPI back but as we are currently not making a payment for past 2 months will it not go through????

Also same for me on a credit card and store card it has been passed over to recovery am i unable to claim?

marshallka

maxdp wrote: »

Hi Marshallka

There are alway two ways to work things out. In my limited experience your way is the way the FOS have been settling my claims. The only thing i would say is that you have added the 13.9% on the total and it should surely be cumulative as per the bank charge calculator. Thing you are doing yourself out of some money.

Good luck:T

The 13.9% is the interest on top of the PPI for the 39 months at the interest rate on the agreement.... That is their interest that is they can say is due from me from the PPI if you know what i mean.

I have not even started with the stat interest from the bank charges calculator yet!!!!

That is about another 2+ grand here...:D

di3004

morgan8080 wrote: »

Hi i believe i have been mis sold PPI on numerous occasions. My husband has a loan with hsbc that is now in arrears as we are struggling to pay it. I am wanting to claim the PPI back but as we are currently not making a payment for past 2 months will it not go through????

Also same for me on a credit card and store card it has been passed over to recovery am i unable to claim?

Hi there.
Not sure where you would stand if the loan is in arrears, yet if you were successful maybe they would just recalculate, I am sure someone on here could confirm this for you.

However I would still try to pursue the firms to reclaim if you feel you were mis sold on any of the loans and credit cards.

I will add a link below, check this out and when you get to write a letter try to put it into your own words - there is a template on the link I will add below to help guide you.

They have 8 weeks to reply, and before this goes to the financial ombudsman service they will require a final response decision from each firm, (and copies of all correspondence in order to back your case).
So further letters may need to be sent until a final decision is received on all.

Post recorded delivery, they have 8 weeks.
Just let us know the outcome on each one you pursue and we will take it from there.;)

Best to also check if the firms were covered by either GISC or FSA for when you had taken these out in order for the ombudsman to investigate.

Please also note, if your loans were arranged by a broker, it will be them you write to.

Do you think you could let me know the firms who arranged the loans for you?, we will check to see if they were covered by the above regulators.
Thanks and here is that link to help you through this here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck !

marshallka

maxdp wrote: »

Hi Di

Am sure am right but this needs checking I do not want to put this poster of from claiming if I am wrong.

Have to go out get roots done:eek:. Will be back later

:T

Will catch you later maxdp... I got your email and will reply later to it too. Been down docs and had the repeat done (blood test). My whites are now 15000 so gone up lots. My platelets are also high so I am going onto the treadmill for a while to get moving... I need to be fitter.. there is something not quite right here and its worrying me. Let me know from your medical views maxdp. I was sent to hemotologist two years ago when my whites were 12.5 now 15.. :eek: .

Di, back on later as I need to have a long walk...LOL

s0095063

Hi,

I have a quick q regarding my mums PPI reclaim.

She recieved a letter about 6 weeks ago saying that her claim had been upheld and her account would be rectified to where it should have been without PPI.

There was no mention of funds, and nothing has happened since. Is there anything she should do to try and chase it up? Or is it a case of sitting tight?

I think she tried to call them last friday, and all they said was that they were calculating how much it would be?

thanks for any help in advance.

di3004

s0095063 wrote: »

Hi,

I have a quick q reagrding my mums PPI reclaim.

She recieved a letter about 6 weeks ago saying that her claim had been upheld and she end her account would be rectified to where it should have been without PPI.

There was no mention of funds, and nothing has happened since. Is there anything she should do to try and chase it up? Or is it a case of sitting tight?

I think she treid to call them last friday, and all they said was that they were calculating how much it would be?

thanks for any help in advance.

Hi there
And well done to your mum for her case being resolved.:T :beer: .
Well almost lol.

Right hun who is the company ?

Crikey surely it should not take them 6 weeks to work out a calculation..:eek: , I would write to them and tell them your mum has already waited 6 weeks, if you have not recieved anything within 14 days you will have to take further action.
Now I had to do this and suddenly the payment was paid before the 14 days were up.

Other than that I will see if I can trace my old LBA (letter before action), this normally works and then no action will be taken.

Post by recorded delivery to keep an eye on the royal mail website track and trace and give them 14 days from the date of your letter.;)

Good luck and congratulations to your mum, I hope she receives all her money very soon.:T
When she does please post on the success forums.;)

Check this LBA site out, this may help.
http://office.microsoft.com/en-gb/templates/TC011960301033.aspx?CategoryID=CT101470391033

Di.
x