PPI Reclaiming discussion Part III

di3004

dreamer33 wrote: »

Just going out with the puppy he is barking at me. Loves the snow and there is plenty of it :eek:

WALKIES........:D :j , okay hun catch you later I hope.:A xx

marshyyouth

di3004 wrote: »

Hi there.
May I ask how long ago you sent the letter ?
I know they have 8 weeks in full to respond.

Or is this the second letter ?;)

Hi di,

Its the second letter to our friends at TSB towers.

dreamer33

di3004 wrote: »

Golly........:eek: is this you really dreamer?:eek: , how are you hun?, hope all is well, we have missed ya and looks like things are finally moving for you....:T , good news and good luck.:D .x

I'm ok, yip its the one and only dreamer not the other one lol :rotfl:

Well at least they responded by 2 dec like they said, however they have yet to cough up :rotfl:

Hope you are ok and everyone

di3004

marshyyouth wrote: »

Hi di,

Its the second letter to our friends at TSB towers.

Thanks hun and if you remember, how long was it when you waited for the first letter?

Say for instance you received the first response within 6 weeks of the 8 weeks they have then yes it will be approx 14 days, and so on....;) .

I would give the FULL 14 days if that what it was then the following day if not heard then get a complaint form sent in to the FOS with copies of correspondence with the final letter.;)

di3004

dreamer33 wrote: »

I'm ok, yip its the one and only dreamer not the other one lol :rotfl:

Well at least they responded by 2 dec like they said, however they have yet to cough up :rotfl:

Hope you are ok and everyone

lol.........:rotfl: wanted to make sure, as a dizzy dumb blonde I am:o .......I say no more pmsl......:rotfl: :rotfl: .

Go get em hun......:D :j .

Yes not too bad, looks like my Lloyds Credit Card PPI complaint in with the adjudicator is finally moving on.......at last.......:j .

marshyyouth

di3004 wrote: »

Thanks hun and if you remember, how long was it when you waited for the first letter

Thanks Di

I only waited a week to get the snotty first letter, then sent my second letter 2 weeks ago ( In which my wife corrected their spelling mistakes):D

marshallka

marshyyouth wrote: »

Hi again all,

quick question :rolleyes:

"If I do not receive a more favorable response within 14 days I shall be taking my complaint to the Financial Ombudsman"


How close have you stuck to the 14 days, do people normaly give it an extra week or so?

No... nothing stopping you making the complaint to the FOS (if 8 weeks are up) and if they do not get back at least you have a foot in the door at the FOS.

marshallka

dreamer33 wrote: »

I'm ok, yip its the one and only dreamer not the other one lol :rotfl:

Well at least they responded by 2 dec like they said, however they have yet to cough up :rotfl:

Hope you are ok and everyone

Glad to see Freedom and FIrstplus are at least replying now...


Thanks for the info on Cassidy but I had a reply from the FOS saying there are jurisdiction issues on mine as although Cassidy took over from Miller (who were on my PPI docsand Miller went into liquidation) and also although Lloyds deal with everything anyway, they say that they cannot comment and their are some issues but it will take a few months to sort.

di3004

marshyyouth wrote: »

Thanks Di

I only waited a week to get the snotty first letter, then sent my second letter 2 weeks ago ( In which my wife corrected their spelling mistakes):D

I will say the usual thing I call them "muppets" lol.......:rotfl: :rotfl: , I know even my son with special needs have come across some spelling errors these muppets make lol.....:rotfl: :rotfl: .

Right then I know lots will still ask them to respond within 14 days and still get a reply but they may want to go all the way, if you received the first letter within the first week, they will more than likely respond by 6 - 7 weeks then......:o and go from the time they sent out the last letter. (on the date on the letter).;)

With a bit of luck though with your request they will get back sooner. x

Did they mention anything about the Financial Ombudsman on the first letter or giving you that chance to write to them again ?

pinknico

marshallka wrote: »

Its here I found the legalisation from a HMRC document so let me know your thoughts here

Ex-gratia or voluntary payment: It is sometimes suggested
that an interest addition is not taxable because it, or the
compensation on which it is calculated, is paid “ex-gratia” or
voluntarily. We accept that a truly voluntary payment cannot
be interest, even if described as such, because the essential
feature of an entitlement to it is absent. In practice, however,
we consider it will be extremely rare for any payment arising
from claims that a financial product has been mis-sold to be
truly voluntary, since the redress is given in consideration of
the complainant giving up a right of action

Well that dosent make it any clearer, but I believe you can put it against your tax code and pay nothing.