PPI Reclaiming discussion Part III

tigger_167

di3004 wrote: »

Hi tigger_167
It makes no difference, you can reclaim on any finance you believe you were mis sold with, even if the accounts are settled.;)

Well, that is good news, I didn't know that. I'm assuming then, that you need to first of all write letters to the companies I had a credit card with, and not to the company I have took the loan out with?!

di3004

tigger_167 wrote: »

Well, that is good news, I didn't know that. I'm assuming then, that you need to first of all write letters to the companies I had a credit card with, and not to the company I have took the loan out with?!

Hunni you can try to reclaim PPI from the Credit card companies on the PPI and the loan.;)

I have had many to reclaim some still ongoing, 2 won, and am currently dealing with my PPI on the credit cards for both me and my hubby.;)

Do you require further info here, maybe some PPI info, reclaim letter etc?
Do you still have the agreements ?
And lastly can you remember the years when you had taken out the loan and credit cards by any chance?;)

di3004

Tigger_167 in my post above this I mentioned about templates etc for reclaiming the PPI, if you feel you were mis sold in any way, check this out here
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

You will find some useful insurance, over the years people also assumed that PPI was part of the Credit they were given, so check the above link out and you should also come across a reclaim template, they have 8 weeks to respond. (reclaim template on above link too).
Post by recorded delivery, add as much info as possible to back your complaint.

If you have no agreements and these were over the last 6 years, write to them and request for copies of these, they should provide you with these within 12 days of request, phone them first to see if there is a charge, some may charge a £1 cheque payment for this, but check first and request in writing as always.;)

Let us know when you hear from these companies after you wrote to them about the reclaim in case another letter is required, we will take it from there, most of us receive standard fob off replies first time round, but never let that put you off.

Good luck
And if you require further info and help here hun just post away to us here.

Di
x

pinknico

Still here!! Waiting, waiting,waiting.!!!

di3004

pinknico wrote: »

Still here!! Waiting, waiting,waiting.!!!

Helloooooooooo Pinknico, hope your well hunni and hope you had a fantastic birthday.:beer: .
Good to see you here, we have been wondering where you and dreamer had got to.;)
So your still waiting then?:rolleyes:

maxdp

di3004 wrote: »

lol, think I had better be more careful with what I'm wearing and with what I'm doing.......:eek: :rotfl: :rotfl: :rotfl: lmao :rotfl: :rotfl:

We are on to you Di:j

maxdp

pinknico wrote: »

Still here!! Waiting, waiting,waiting.!!!

Hi Pinknico

Lovely to hear from you:j

marshallka

di3004 wrote: »

Good glad you done that, now I remember when I asked my Adjudicator (Nemo) to check mine, they had got back to me to say another payment was owed as it was not the correct amount, so this was rectified and another cheque followed within 14 days after receiving the original first one.;)

Hope they realise this now hun and they should do.;)

I have now checked and checked this amount and there is definately £500 charged at the settlement that is over what it works out using rule of 78 so I really think they are wrong here. The adjudicator has said that it can go before the Ombudsman but surely the adjudicator would be able to check the figures himself. . He seemed quite happy that I had given him the way that I had calculated the refund due in full and said that he would get back to me when he hears from the co-op. I assume this will be quite quick and they will either agree or disagree and then I assume it goes further. You have to remember though that these are goodwill offers...so maybe the adjudicator has not looked at anything yet.. .

di3004

maxdp wrote: »

We are on to you Di:j

:eek: :rotfl: :rotfl: , I had better watch myself then lol...:rotfl: :rotfl: .

Right the inlaws are calling in, need to tidy up a little........:eek: , will be back later........:D x

marshallka

di3004 wrote: »

Hun when this happened to me, it did not take that long, fingers crossed it will be the same for you, afterall they are actually dealing with your case now and cannot push it to the one side, so if the adjudicator sees these calculations, they should most certainly agree.......if this is the case then this will be dealt with immediately, it will only go on to the ombudsman himself if the firm does not agree, but I think they will then have to go by these calculations which are the correct ones.;)

I just hope they do see that Di.. I really do as we need this money like yesterday but £2300 difference is too much to give up on..:mad: .

If I am wrong then I hold my hands up and apologise but I really believe (not just cause the method that tiggrae used says it) that they are wrong as I have calculated this by the loan and interest and then taken away the repayments made against the loan and then calculated using rule of 78 calculator and there is £500 difference on the 1999 loan. It proves that their way of redressing is under cutting the consumer.