PPI Reclaiming discussion Part III

maxdp

ami100giraffe wrote: »

Hi everyone, Just rung HBOS again today. Got the same old reply (they are waiting for the redress but all there top management are on the case Bla! Bla! Bla!). Getting really fed up now, the FOS gave them until August 11th to pay they are now 4 months behind schedule so rang the FOS who have advised me to just wait, Great help!!!
Kim

Hi I am in the same boat have been waiting since a part payment in July:eek:. I have heard that the lenders are busy:rolleyes: correcting their mistakes I think:D

We just have to be patient so I am told.

maxdp

pinknico wrote: »

Loving your work Marshallka and Maxdp:D

Hi Pinknico:j

Thank you. Hope you are OK. Your daughter will be looking forward to the Chrissie wrapping paper I think, makes you wonder why we buy them pressies

maxdp

di3004 wrote: »

Hello folks..........a quick hi, been posting on the ASD sites....., but thought I would call by and say hello.....:A , aww have you lot missed me then ?:D .

May post a little later if I get the chance, hubby has his appointment tomorrow and I have to make sure I have all the documents ready.;)
Cannot find the Child benefit letters anywhere..... , does anyone know if bank statements will do? because the CB number and amounts are on them?

Cheers.:D xxxx

Hi Di

Hope all goes OK for hubby. If you cannot find CB letters am sure bank statements would be a good second. They can check by the No then cant they

Good Luck anyway.

maxdp

bathgatebuyer wrote: »

Ooooooooh you are naughty!

I Know:rotfl::rotfl:

djav

Could somone please help me?

I took out a 5K loan from barclaycard over 2 years. I'm wanting to cancel the payment protect on it. Have rang barclaycard every friday for the last month saying i want to cancel. Every time i'm told they're are going to send me documents out and should arrive in the next 5 working days. I'm really sick now as i have had to pay another PPi installement and it is looking like i'll have to pay decembers as well!!! I really don't know what to do i'm sick of getting past from pillow to post. Can anyone suggest what my next course of action should be? I'm considering sending them a letter saying that "unless i receive what i have requested in the next 14 days i'll assume my loan has has been canceled and i dont have to pay the remaining balance" (like that'll fly). Dare bet if i miss a payment they'll be in touch a hell of a lot sooner that a month!!!

Thanks in advance

David

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting%20post%20http://forums.moneysavingexpert.com/showpost.html?p=16603181"][/EMAIL]

maxdp

djav wrote: »

Could somone please help me?

I took out a 5K loan from barclaycard over 2 years. I'm wanting to cancel the payment protect on it. Have rang barclaycard every friday for the last month saying i want to cancel. Every time i'm told they're are going to send me documents out and should arrive in the next 5 working days. I'm really sick now as i have had to pay another PPi installement and it is looking like i'll have to pay decembers as well!!! I really don't know what to do i'm sick of getting past from pillow to post. Can anyone suggest what my next course of action should be? I'm considering sending them a letter saying that "unless i receive what i have requested in the next 14 days i'll assume my loan has has been canceled and i dont have to pay the remaining balance" (like that'll fly). Dare bet if i miss a payment they'll be in touch a hell of a lot sooner that a month!!!

Thanks in advance

David

Hi David

I would write to them recorded letter that is then an official document.

Was the PPI front loaded (am sure it was) they will cancel the PPI and you will then have to take out a new loan. Phone calls seem to get lost on systems:rolleyes:. If you feel the PPI was miss-sold you can then write and ask them to repay the PPI you have already paid. Have a look through the Claim 1000 red tab on the Home page of this site and have a read through.

If you need any other help then post on here and am sure somebody will help you through. Good Luck:D

cider66

marshallka wrote: »

I am confused here. Are they saying they will repay the money AFTER you have finished paying the loan back to them??

yes im pretty sure the are but dnt no whether to accept this or ask for payment immediatly

djav

Thanks for the reply.

I wouldn't say it was mis sold, as when i took out the loan i'd just started my job so was on a trial period. I took out the PPI while on this trial period just incase i was not kept on. Although i wasn't aware that you could get PPI elsewhere than from the lender.

maxdp

djav wrote: »

Thanks for the reply.

I wouldn't say it was mis sold, as when i took out the loan i'd just started my job so was on a trial period. I took out the PPI while on this trial period just incase i was not kept on. Although i wasn't aware that you could get PPI elsewhere than from the lender.

OK thats fine if you feel you were not miss sold but if this was a front-loaded PPI they put that on the loan total and add interest this is now seen as bad practice, so you may be able to claim it back. Also did you tell them it was a trial period? I would be very surprised if they would have paid this out if it was a trial period They find lots of ways to get out of it.

Anyway saying the above. Write to them and make sure you send it recorded delivery so somebody the otherside has to sign for it. Usually you have to give them a months notice.

maxdp

cider66 wrote: »

yes im pretty sure the are but dnt no whether to accept this or ask for payment immediatly

If that was the case they are cheeky bleeders That is your money. Ask for it to be sent to you by cheque now you should not have to wait. Also make sure they are paying back all that is due to you;)