PPI Reclaiming discussion Part III

di3004

maxdp wrote: »

Di Just sent it on your secret is out:eek:

:rotfl: :rotfl: :rotfl: :rotfl: PMSL

di3004

marshallka wrote: »

We bank with the co-op so they have said this way??

Why?? What are you thinking Di...???

Arh right, of course if its your bank then it will be paid directly into that then.....saying that I bank with Lloyds wonder if I am successful on that one that is in with the FOS will be paid directly in the bank as well then ?

marshallka

maxdp wrote: »

Hands up all those who hate the No 78:j

I've got mine up... After we have all made our complaints about the PPI and signed as FULL and FINAL with the business there will be a super complaint about rule of 78 (it was deemed unfair and oppressive by the OFT) and we won't be able to pursue it:eek: :eek:

pinknico

maxdp wrote: »

Oh Fab if you bring your unmentionables, Di can come along with her leopard skin nightie and Ostrich Feather Head gear.:eek:

Not heard anything yet.:rolleyes: Have you?

Happy Birthday for your daughter on Saturday. Such an interesting age. Is she a little madam yet? How wonderful you will love her christmas but am sure she will be more interested in the boxes.

Not heard anything, except the solicitor will be in touch shortly.

Yes my daughter is a madam. Her brothers played with her presents and she ate the paper!

di3004

Heartmate wrote: »

After going through the discussions about PPI, I think I have also been mis-sold a policy. Last year took a loan 0f 20,500 from Clydesdale Finance to build a conservatory. The conseravatory was built by Anglian and the finance was applied through them. While getting the finance the Anglian representative recommended me the PPI. I did not want the PPI but the representative mentioned me that if I do not take up the PPI then I would lose £ 2000 of the discount he was offering (this was a verbal discussion and there is no documentary evidence of this conversation) The PPI policy is provided by Anglian Home Improvemnets and is underwritten by Lloyds Syndicate and BJ Jackson Syndicate. The policy value is £ 2876.30 and is added to the loan. The PPI policy summary document mention that Anglian recommends me the Optional Payment Protection Insurance. The term of insurance is 60 months and term of loan is 120 months . Now my question is how do I prove that the Anglian representative was pushy about selling me the policy and offered to cancel a substantial portion of discount if I opted out of PPI? It was only a verbal conversation.

Hi Heartmate
Have you checked this out here?
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

If you feel you were mis sold I would try to reclaim the PPI back, get a letter sent in, there is a useful template on the link and they have 8 weeks respond, post by recorded delivery for your proof and of course use your own reasons, if this is unsuccessful another letter maybe required, or as soon as they mention the Financial Ombudsman service and they would normally enclose the leaflet to explain the procedures on there, you can then go to the FOS, they will investigate this complaint for you.

Write to them first and as soon as you receive a reply, let us know, so we can help you move on with this to the next step.

Good luck.;)
Di

marshallka

maxdp wrote: »

Marshallka and Pinknico

E mailed you.:D

Is that Di ...

I thought Di was blonde ....

maxdp

Heartmate wrote: »

After going through the discussions about PPI, I think I have also been mis-sold a policy. Last year took a loan 0f 20,500 from Clydesdale Finance to build a conservatory. The conseravatory was built by Anglian and the finance was applied through them. While getting the finance the Anglian representative recommended me the PPI. I did not want the PPI but the representative mentioned me that if I do not take up the PPI then I would lose £ 2000 of the discount he was offering (this was a verbal discussion and there is no documentary evidence of this conversation) The PPI policy is provided by Anglian Home Improvemnets and is underwritten by Lloyds Syndicate and BJ Jackson Syndicate. The policy value is £ 2876.30 and is added to the loan. The PPI policy summary document mention that Anglian recommends me the Optional Payment Protection Insurance. The term of insurance is 60 months and term of loan is 120 months . Now my question is how do I prove that the Anglian representative was pushy about selling me the policy and offered to cancel a substantial portion of discount if I opted out of PPI? It was only a verbal conversation.

Hi there.

Am sure others will input their knowledge on this. My first point would be that as far as I was aware a verbal agreement is binding. It is the usual story with this sort of thing. They entice you to but PPI cause they get huge amounts of commission on these things. Send of £10.00 and get a full SAR and follow the information on the red tag claim back 1000 on the home page. Am sure that somebody can give you a link to a good letter on here that you can make your own. Thanks to Laini .:D Good Luck

marshallka

di3004 wrote: »

PMSL, OMG.......:eek: the curly perm one? Female on Sale lol :rotfl: :rotfl: , go on then send the emails to our Marshallka and Pinknico........:o :rotfl: , they will have a laugh lol.....:rotfl: :rotfl:

Thats not bad, when was that one Di and I thought you were blonde??/

di3004

marshallka wrote: »

Is that Di ...

I thought Di was blonde ....

lol, well I am naturally blonde hun, thats a darker hair colour with a perm, I was so fed up with blonde then.......:o , back blonde again now and hair is long and straight......:D lol
Me an hubby spend a night at some mates house, it was a great night and the last break we ever had lol.
Crikey that was about 7 or maybe 8 years ago, time has flown by!

pinknico

Brilliant pic Di, I am sure we have all had that perm!;)