PPI Reclaiming discussion Part III

maxdp

And again.

benniboy_1

hi guys, i have just spoken with the above mentioned money grabbing gits and have cancelled my PPI, they begrudgingly agreed to it and to refund the money they have charged for the service, around £1500, but taking it off the balance of my current loan, i want the hard cash obviously, can they do this? also i have had to take out a new loan because they can't just cancel the PPI (apparently) - does this sound like i'm being done (again)?

Thanks

Ben

marshallka

benniboy_1 wrote: »

hi guys, i have just spoken with the above mentioned money grabbing gits and have cancelled my PPI, they begrudgingly agreed to it and to refund the money they have charged for the service, around £1500, but taking it off the balance of my current loan, i want the hard cash obviously, can they do this? also i have had to take out a new loan because they can't just cancel the PPI (apparently) - does this sound like i'm being done (again)?

Thanks

Ben

That depends on if they are refunding the interest too...

benniboy_1

its about £900 for the service and £500 for the interest...how come that makes a difference?

Thanks

Ben

marshallka

benniboy_1 wrote: »

its about £900 for the service and £500 for the interest...how come that makes a difference?

Thanks

Ben

How much was the PPI on the agreement. I cannot see how they can refund you this straight £1500 for the "service". Is this a goodwill gesture..

They will have to redo the loan for you if they are repaying it back to you..they are not allowed to charge you a higher APR though and also how have they worded this repayment..

di3004

Still waiting for a reply from the adjudicator (lloyds complaint)......

And the FSCS and that was over a week ago !!!!!!

dreamer33

maxdp wrote: »

Hi Dreamer

Hope you OK we missed you;)

Hi maxdp I'm ok thanks how are you?

Having problems with my internet connection here, couldn't post or anything on here :mad:

dreamer33

marshallka wrote: »

I have just got from Docs about bloods and got arthirtis of spine in two places and also they think I have may have LUPUS... I was so surprised. They are doing an autoantinbody screen. There are just too many factors out this time and the hemotologist at the hossie has written to our docs and asked for this to be done... . Had funny bloods now for years but now this...At least not leukemic cells so one good thing.. white are high but nothing in them.

It would explain a lot though..

Oh hope your not having too much pain with arthritis. What is lupus?

di3004

dreamer33 wrote: »

Hi maxdp I'm ok thanks how are you?

Having problems with my internet connection here, couldn't post or anything on here :mad:

Sorry to hear that dreamer, hope it all sorts out, annoying when it happens though isn't it ?:mad:

di3004

Dreamer here is something about Lupus:

What is lupus?
Other Qs & As



Question

My sister has been diagnosed with lupus and has to go on a treatment of cortisone.

Please can you tell me what lupus is and the likely outlook?

Answer

Lupus is an autoimmune disease, that is, a condition in which the immune system attacks the body.

There are two forms: systemic lupus erythematosus (SLE) and chronic discoid lupus erythematosus (CDLE). They are probably the same thing affecting different parts of the body.

CDLE rarely strays beyond the skin and is therefore not as complicated as the systemic variety.

SLE is the one that most doctors are referring to when they talk about 'lupus'.

It is thought to occur in 1 or 2 per 1000 people. It can affect anyone, but is nearly 10 times as common in women as in men.

It usually starts between the years of 20 and 40. The cause is not yet understood, but it can be triggered by long-term use of certain drugs, such as hydralazine (for hypertension), or exacerbated by trauma, infections and hormonal changes.

In the case of SLE, the target of autoimmune attack is 'connective tissue', the substance that holds together the tissues of the body. Because connective tissue is so widespread throughout the body, many organs can be affected, but commonly joints, skin, kidneys and blood vessels are involved.

These tissues become inflamed and in turn manifest arthritis, skin rashes, kidney disease and organ damage from diseased arteries. As with attacks of any inflammatory condition, the sufferer usually feels generally unwell and may become anaemiac.

Lupus tends to come and go over years, with the majority suffering some form of arthritis and/or skin problem such as rashes or sensitivity to sunlight.

Kidneys can be affected and damage to kidney function is one of the more serious complications. The outlook varies enormously between individuals depending on the severity of the disease and the pattern of tissues affected.

Specialist rheumatologists usually coordinate treatment and blood tests are used to monitor the condition. Steroids and other drugs that suppress the immune system can improve matters greatly.

The majority of sufferers are not in danger, with a 95 per cent five-year survival rate. There are some patients who even find their lupus symptoms settle in their forties and fifties so that they can eventually reduce or stop treatment