PPI Reclaiming discussion Part III

maxdp

marshallka wrote: »

Ahh, I thought you had teens maxdp:D .

Yes I have and I love these years. Worked years in Mental Health on an acute adolescent Unit so have seen most things so makes me appreciate my little rug rats.:D

marshallka

HomeJames wrote: »

Not sure I found the loan aggreement for the 2002 one but will have to have a search about in the loft to see if there was a previous one, is there not a time limit on these for claiming?

If you had one previous to this and make a complaint then it would be best to mention both loans as if there was PPI on the second then I would bet there was PPI on the first too so you would have two claims. If you cannot find the agreement yet then just write the letter and mention that there was PPI on the 2nd and you think it was also applied to the first.

take a look at the link here and see what you can add and delete from the letter that you send. There is also a template letter on there too but sometimes it can be better to make your own up from this.

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.

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


Good luck

Always worth a complaint even if it was over six years ago as there are different schemes that some firms were in and if you only just became aware of the misselling then you can sometimes take your complaint to the FOS even if its over 6 years.

dreamer33

Anyone called fos lately to chase their complaints?

di3004

marshallka wrote: »

What does he do for a living Di??

Jamie says thanks.:beer: .x

Jamie done over a year at uni and is now working for the DWP in Pensions, he has been there since July, he may have the chance to move up to the Technician side of things soon with a bit of luck, as he was doing a computer mathematics course at uni.;)

dreamer33

di3004 wrote: »

Jamie says thanks.:beer: .x

Jamie done over a year at uni and is now working for the DWP in Pensions, he has been there since July, he may have the chance to move up to the Technician side of things soon with a bit of luck, as he was doing a computer mathematics course at uni.;)

Thats a good side to get into, very well paid to

di3004

dreamer33 wrote: »

Anyone called fos lately to chase their complaints?

I think Lloyds have until this week going by what my adjudicator said 2 weeks ago, if I have not heard by just after I think I will send him an email.....:D , thanks for reminding me hun lol.....:T

dreamer33

Marshallka did you get your mortgage info?

dreamer33

di3004 wrote: »

I think Lloyds have until this week going by what my adjudicator said 2 weeks ago, if I have not heard by just after I think I will send him an email.....:D , thanks for reminding me hun lol.....:T

Oh, hopefully you might hear somthing this week. fingers crossed

di3004

dreamer33 wrote: »

Thats a good side to get into, very well paid to

He is starting to get on his feet now, he had bought his own car, sorted out his own insurance etc as we were and not currently in the postion to do so right now although we did help by taxing his car for him.
His money not too bad but he will be on lots more if he gets in the technician side of things.
I think once you have your foot in the door, its a start, and he done well at uni last year, he had 2 passes and 1 merit.
He plans to up his digs now as well.........cool.......:D

dreamer33

di3004 wrote: »

He is starting to get on his feet now, he had bought his own car, sorted out his own insurance etc as we were and not currently in the postion to do so right now although we did help by taxing his car for him.
His money not too bad but he will be on lots more if he gets in the technician side of things.
I think once you have your foot in the door, its a start, and he done well at uni last year, he had 2 passes and 1 merit.
He plans to up his digs now as well.........cool.......:D

He is doing well for himself. My son was 18 in aug and he could not care. He is so laid back he is almost horizontal. Hes not at home now we had so many arguments all the time, he just was not interested in finding a job.