PPI Reclaiming discussion Part III

Littleluc21

marshallka wrote: »

Extra good luck Littleluc

Thanks............will kep my fingers, toes, eyes etc crossed!! Nad of course keep you all posted :-)

L xxxx

Littleluc21

di3004 wrote: »

And of course you add the 8% interest on top of those too.:D

Good luck hun, realistically they should respond by 8 weeks, if not then go straight to the Financial ombudsman service, if its a fob off letter you receive, for example "you must have been aware because you signed, blah, blah, blah, , they may give you the opportunity to write to them again with more information, and they should then send you a final decision with a FOS leaflet enclosed.

Let us know when you hear and we will take it from there hun.
Have you already done the letter ? I can't remember, if not and you require a template, let us know and we shall post you the link.;)

(as always post by recorded post).;)

Di
x

Yep all posted - both recorded delivery :-) Also I work at the university where I studied so can very easily obtain documents to prove I was a fulltime student if they ask for it. I am a determined littleluc today :-)

L xxx

sarah7610

Thanks for that, It gets a bit confusing the deeper you get into these things.
The FOS have given me the phone number for them so I will give them a ring now and see what they have to say.

Sarah

di3004

sarah7610 wrote: »

Hi and thanks for all the help but I have another question.....

Can you please tell me what the Finance and Leasing Association is?

Black Horse have said in their final letter that I can refer the matter to them. There is no mention of the Financial Ombudsman Service.

Thanks

Sarah

Hi Sarah
Check this link out here, this may give some useful info.;)
http://www.fla.org.uk/fla/consumerfinance/ConsumerFinanceOverview.riv

http://www.fla.org.uk/fla/consumerfinance/Guide_to_Payment_Protection_Insurance.riv

di3004

Littleluc21 wrote: »

Yep all posted - both recorded delivery :-) Also I work at the university where I studied so can very easily obtain documents to prove I was a fulltime student if they ask for it. I am a determined littleluc today :-)

L xxx

Brilliant.......:D so your well prepared then?:T .

marshallka

masmit wrote: »

hi ,sarah
im having problems with blackhorse 39 days now no response to 3 letters sent after there first letter, stating the same as yours. i could not give evidence to proove the case because they havnt sent all documentation i have requested. its the FLA you need to complain to,& you can do that online on there website, good look

Did you send everything recorded delivery so you have a proof of this incase they do not reply at all??

Littleluc21

di3004 wrote: »

Brilliant.......:D so your well prepared then?:T .

Uh huh!!! I think because I know this money could pay off a credit card and stop another phone call has made me even more determined!! Hope you get good news with your sons storecard.....what would we do without mums!!

L xxxx

marshallka

sarah7610 wrote: »

Hi and thanks for all the help but I have another question.....

Can you please tell me what the Finance and Leasing Association is?

Black Horse have said in their final letter that I can refer the matter to them. There is no mention of the Financial Ombudsman Service.

Thanks

Sarah

The FLA is the Finance and Leasing Association. It has members that are voluntary to it and it gives certain codes of practice (each code for certain years can be obtained from the web site as there are different ones that they should follow) for them to follow. I have only ever heard of one case that has won a battle with someone through the FLA and that was catinthehat...


The lending code

Our Lending Code sets out standards of good practice for the finance and leasing industry. It is intended to reassure anyone who applies for finance from full members that they are doing business with reputable organisations. It sets out the key commitments and principles which we expect our members to follow, with good sense and in the spirit of the code. To be a full member, members must keep to the code (where relevant) at all times.

masmit

marshallka wrote: »

Did you send everything recorded delivery so you have a proof of this incase they do not reply at all??

hi, marsha
yes every letter was recorded, they sent a response to the 1st denying ms-selling, but not responding to my request for all documentaion of my accounts existing & past. all letters sent since have not been acknolegded.
complained to fla waiting for there response.

masmit

hi marsha
you say you have only heard of one case being won by the FLA, have you heard a lot of losses then doe's not sound good