PPI Reclaiming discussion Part III

di3004

dave73 wrote: »

can someone help ive done my letter for reclaimng but where do i send it its for hbos do i use the address on my checkbook or i have letter from the insurance

Hi
Is there an address on the agreement or any of your paperwork?;)

di3004

Yep I do hope so but where does this leave everyone else in this situation then ?
What about with yours now then?

Fingers crossed anyway.:D

Have emailed the adjudicator again.;)

dreamer33

Hi everyone

Sorry not been on yest was sorting some things out and finishing them off this morning. Have I missed anything not had a chance to catch up yet.

dreamer33

thomo937 wrote: »

No rebate, from either, thats why I have taken it further. Hopefully as its gone to solicitors they will realise there mistakes. Thanks for the additional info from you all.

Hi

Just to let you know I have a complaint in with FF they were members of FISA in 2004 however they are no longer members and FISA have told me recently that they can't help me. So I complained again to FF just waiting for there response.

FOS cannot help either.

We were told if we can't afford to take out the ppi then he didn't think we would be looking at the loan.

Fight for what is rightfully yours.

Good luck

martiUK

hi di , i just let you know i have the same problem with hfc just blame each other know as presivoius posts my is know with fso but has been there for about 10 months although know at adjuctcator.let me know if you have any luck quickly

maxdp

dreamer33 wrote: »

Hi everyone

Sorry not been on yest was sorting some things out and finishing them off this morning. Have I missed anything not had a chance to catch up yet.

Hi Dreamer

Hope you OK we missed you;)

maxdp

martiUK wrote: »

hi di , i just let you know i have the same problem with hfc just blame each other know as presivoius posts my is know with fso but has been there for about 10 months although know at adjuctcator.let me know if you have any luck quickly

Glad it is with the adjudicator. It should not be too long for you to wait now for final decision. Fingers crossed.:D

sarah7610

Hi, Over the last few weeks I have been writing to various lenders regarding misold PPI. (Black Horse, MBNA, Loans.co.uk and Retail Finance).
I have recieved a reply from Black Horse today which says:

When you discussed the loan application and Payment Protection Insurance with a member of our staff, you would have been provided with a leaflet summarising the key benefits and exclusions of the cover. That leaflet also confirmed cover was optional.

Only after you were given the opportunity to read the summary leaflet was the agreement document produced for signature.

The agreement document signed clearly shows that Payment Protection Insurance was purchased when entering into this agreement and shows the full cost of that policy. By signing this agreement, you confirmed that you had read, understood and accepted the terms and conditions of our agreement and wished to purchase Payment Protection as specified.

Futhermore, following our acceptance of the agreement, the full policy terms and conditions were automatically sent to you at your home address. As well as confirming the policy eligibility and exclusions, those terms also stated that if you were not entirely satisfied with the level of cover being provided, it could be cancelled in full and without cost by writing to us within 30 days of the date of the agreement. Having checked our records, no such request has been received.

In the absence of any documentary evidence in support of your claim, I regret to advise that we are unable to uphold your claim that the Payment Protection Policy was mis-sold. As the agreement with us is now settled and you have had the benefit of cover for the period of the agreement, no refund of the sums paid for Payment Protection Insurance will be made.

So, is that it or are they just trying to blind me with words and scare me off?

I don't ever remember reading the policy eligibility and exclusions but there's no way I could prove that as it was 5 years ago. I definately know I wasn't asked about my medical history because if I had been then I doubt they would have covered me anyway due to having cancer in 1993. Anyone who has suffered a life threatening illness will know it's almost impossible to get insurance.

I'm not sure where I stand now, can anyone help or should I just give up?

Thanks

Sarah

maxdp

sarah7610 wrote: »

Hi, Over the last few weeks I have been writing to various lenders regarding misold PPI. (Black Horse, MBNA, Loans.co.uk and Retail Finance).
I have recieved a reply from Black Horse today which says:

When you discussed the loan application and Payment Protection Insurance with a member of our staff, you would have been provided with a leaflet summarising the key benefits and exclusions of the cover. That leaflet also confirmed cover was optional.

Only after you were given the opportunity to read the summary leaflet was the agreement document produced for signature.

The agreement document signed clearly shows that Payment Protection Insurance was purchased when entering into this agreement and shows the full cost of that policy. By signing this agreement, you confirmed that you had read, understood and accepted the terms and conditions of our agreement and wished to purchase Payment Protection as specified.

Futhermore, following our acceptance of the agreement, the full policy terms and conditions were automatically sent to you at your home address. As well as confirming the policy eligibility and exclusions, those terms also stated that if you were not entirely satisfied with the level of cover being provided, it could be cancelled in full and without cost by writing to us within 30 days of the date of the agreement. Having checked our records, no such request has been received.

In the absence of any documentary evidence in support of your claim, I regret to advise that we are unable to uphold your claim that the Payment Protection Policy was mis-sold. As the agreement with us is now settled and you have had the benefit of cover for the period of the agreement, no refund of the sums paid for Payment Protection Insurance will be made.

So, is that it or are they just trying to blind me with words and scare me off?

I don't ever remember reading the policy eligibility and exclusions but there's no way I could prove that as it was 5 years ago. I definately know I wasn't asked about my medical history because if I had been then I doubt they would have covered me anyway due to having cancer in 1993. Anyone who has suffered a life threatening illness will know it's almost impossible to get insurance.

I'm not sure where I stand now, can anyone help or should I just give up?

Thanks

Sarah

Hi Sarah

Do not be concerned it is the usual FOB off letter. Write back to them disagreeing as you see fit. e.g. Over reliance on small print. Policy was not explained etc etc. There is a template letter on the Claim 1000 back TAB.

I presume this was not FINAL RESPONSE

Give them a date you want a response by. Post recorded delivery etc etc. Have you had full SAR from them. Was the agreement pre-ticked for the PPI or did you have to OPT OUT as you use to have to for some agreements.

Do not give up.

Good luck:D

di3004

dreamer33 wrote: »

Hi everyone

Sorry not been on yest was sorting some things out and finishing them off this morning. Have I missed anything not had a chance to catch up yet.

Hi dreamer, glad your okay;) , we did wonder where you had been and how you are.......:rolleyes: , so you've been very busy then hunni ?:D