PPI Reclaiming discussion Part III

maxdp

marshallka wrote: »

Yes you can still make a complaint even if its with a debt collection agency now. You need to make the complaint to whoever sold you the insurance if this is different to the original lender.

Just 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

Hi Marshallka

Can this person claim this back if he has claimed on it for one year

marshallka

di3004 wrote: »

Hope everyone gets some good news today, as its Friday....:rolleyes: , blimey time is flying by, not long for Xmas.....:eek: .

Marshallka, hope you hear from the adjudicator today hun.;) With good news - hopefully.x

Should do but looks like they have not got back to him or he would have emailed or rang me...

I left a voice message yesterday and one the other day too. I bet he is fed up of me now and not replying... .

marshallka

maxdp wrote: »

Hi Marshallka

Can this person claim this back if he has claimed on it for one year

No they cannot and that was ME not reading correctly. I read it as "it never paid out".

I will correct it now...in fact deleted the message... thanks for that....

Been for a job interview today maxdp... .

di3004

marshallka wrote: »

Should do but looks like they have not got back to him or he would have emailed or rang me...

I left a voice message yesterday and one the other day too. I bet he is fed up of me now and not replying... .

I do hope you hear, the way I see it, if they reply then we would not have to keep on.:rolleyes:

marshallka

Sprightlyone wrote: »

I had a loan of 13k and was told I had to have a £6k insurance policy. As Martin has pointed out, it was restricted to a one year payout and I was self employed. I suffered sever depression when my company went bust and claimed for 1 year, it paid out. However, I always questioned the 6k on a 13k loan but now the account has been sold to a debt collection agency.

a) this was forced upon me but I made a claim so can I ask for this back (less what they paid)?

b) who would I ask if I could, the Collection agency or the Original bank lender?

Hi, if you have made a claim on it for 1 year then you cannot claim it was missold as it actually paid out to you and was helpful i suppose.

di3004

Hi maxdp.

Do you mind if I email you? (for testing)?

Seems like I may be having problems, sent dreamer a few yesterday and she has not received them... .
So if I email you and you receive it, if you don't mind you could confirm if you have received it or not, thanks hun.;)

I am worried incase the adjudicator is not receiving them as well.

marshallka

di3004 wrote: »

Been testing my emails, as dreamer has not been receiving them from me, so emailed my son and hubby they received them.... , not unless its do with networks .

Mine must be working as I have emailed two seperate complaints to the Ombudsman and the one for FIrstplus have received them and replied but not the Co-op one so got to be working..

maxdp

di3004 wrote: »

Hi maxdp.

Do you mind if I email you? (for testing)?

Seems like I may be having problems, sent dreamer a few yesterday and she has not received them... .
So if I email you and you receive it, if you don't mind you could confirm if you have received it or not, thanks hun.;)

I am worried incase the adjudicator is not receiving them as well.

Hi Di

That is fine

di3004

maxdp wrote: »

Hi Di

That is fine

Thank you Maxdp, I appreciate it very much.

Just sent you an email, if you could let me know if you've received it on here or by email that will be a great help.;)
Thanks again. x

di3004

marshallka wrote: »

Mine must be working as I have emailed two seperate complaints to the Ombudsman and the one for FIrstplus have received them and replied but not the Co-op one so got to be working..

Yes yours must be working fine.;) Hope you hear from the Co-op one today hun. x

I have emailed the FSCS many times too and left messages on the phone..