PPI Reclaiming discussion Part III

dreamer33

marshallka wrote: »

In your case dreamer, its good to look back at Marlucs posts. Mine was not sold by Freedom but like I say Kaia and Marcluc stuck at it and got them to the court stage and their solicitors paid up just before...

Get a court case going NOW!!!! or at least write stating it...

I've spent all day doing my letter also sent another copy to OFT FSA and Competition commission as before.

Just got to be patient now.

Sorry I've been on and off today and not been much help my daughter keeps stealing the laptop for her halloween decos lol

kav.alison

Seen a lot of angrey people mis-sold the PPI. I couldnt belive that i was paying more for the PPI than the interst on my loan. madness what the banks can get away with. they didnt even tell me! Well i have hit back, in looking around i found these guys cleartoday.com and because i have been missold the PPI they are looking not to just reclaim bakc the PPI payment but write off the whole loan. i will be chuffed let the bank have a bit of their own medicine. haha.

dreamer33

kav.alison wrote: »

Seen a lot of angrey people mis-sold the PPI. I couldnt belive that i was paying more for the PPI than the interst on my loan. madness what the banks can get away with. they didnt even tell me! Well i have hit back, in looking around i found these guys cleartoday.com and because i have been missold the PPI they are looking not to just reclaim bakc the PPI payment but write off the whole loan. i will be chuffed let the bank have a bit of their own medicine. haha.

What is the charge?

marshallka

sand-dancer wrote: »

Just found another one which says if i dont provide any further evidence the letter was their final response - but no time stated. Ive got other queries regarding the claim so could that be used as a new enquiry?

Right, if you have a final response then that is usually it and you then have 6 months from then to take the complaint to the FOS.

What date was the final response.???

Even if you have new queries then its still about the misselling here they could say??

sand-dancer_3

marshallka wrote: »

Right, if you have a final response then that is usually it and you then have 6 months from then to take the complaint to the FOS.

What date was the final response.???

Even if you have new queries then its still about the misselling here they could say??

Hi, the letter was dated23 january :eek: ! BUT it only says '... if I have any evidence...' and '...unable to provide further evidence...' it doesnt say anywhere about 6 months/weeks.
Please dont tear your hair out at me repeating myself!If you honestly think Im wasting my time pursuing it, Ill accept your advice gracefully and spit my dummy out and sulk till the kids come in! :rotfl: x

marshallka

sand-dancer wrote: »

Hi, the letter was dated23 january :eek: ! BUT it only says '... if I have any evidence...' and '...unable to provide further evidence...' it doesnt say anywhere about 6 months/weeks.
Please dont tear your hair out at me repeating myself!If you honestly think Im wasting my time pursuing it, Ill accept your advice gracefully and spit my dummy out and sulk till the kids come in! :rotfl: x

No, i would not say to give up here as you have nothing to lose. Get another letter in to them and ask them for a final response. Then take the complaint to the FOS providing its within jurisdiction.

What date was the loan and PPI?? and Who with...??

sand-dancer_3

marshallka wrote: »

No, i would not say to give up here as you have nothing to lose. Get another letter in to them and ask them for a final response. The take the complaint to the FOS providing its within jurisdiction.

What date was the loan and PPI?? and Who with...??

Swift loan taken out Feb 05 repaid Nov 06 - but completely stung by them in interest - long story
Welcome loan taken out - August 05 repaid Nov 06.

To cut a long story short. Both were secured loans, Swift hiked up the final redemption figure in Nov 06 by nearly £2000 when I re-mortgaged which left in a complete financial mess. Grrrr. BUT, im now beginning to deal with it all s l o w l y but surely!:o x

ElastiMum

maxdp wrote: »

Yes had two claims with MBNA on credit cards. One paid back before going to FOS about 3,000.00 the other about 1000,00 with FOS Adjudicator right now.:rotfl:

Hi maxdp
Did you find reclaiming from MBNA straightforward?
As I said in a previous post - I don't have the paperwork and can't really remember the details of why/how I took it out. I was full time employed at the time and don't have any pre-existing medical conditions. Am I just chancing my arm here?

marshallka

sand-dancer wrote: »

Swift loan taken out Feb 05 repaid Nov 06 - but completely stung by them in interest - long story
Welcome loan taken out - August 05 repaid Nov 06.

To cut a long story short. Both were secured loans, Swift hiked up the final redemption figure in Nov 06 by nearly £2000 when I re-mortgaged which left in a complete financial mess. Grrrr. BUT, im now beginning to deal with it all s l o w l y but surely!:o x

You do know that you always write to the broker and not the lender if they are different and also you will be able to go to the fos with the loan taken in August, 2005 for definate as this was after the FSA took the reins of the sales of insurance and maybe with the other one in Feb 05 if they were members of the GISC. (general insurance standards council!!) you can find that out from the FOS helpline.

Good luck here..

maxdp

sand-dancer wrote: »

Hi maxdp, ive checked the letters and theres no timescale in them. Ill still write out, with additional queries Ive found on these threads!, and keep my fingers tightly crossed.
Many thanks to you all for your advice today - Ill be asking for more tho!
x x

You are more than welcome:D