PPI Reclaiming discussion Part III

di3004

joeandy wrote: »

we were given no notice about this, they are most un helpful when we ring. they say the money will go back in but no idea when.

This is so unfair.
Do you think your local CAB will be able to help you through this, they will contact them on your behalf and try to resolve this for you.

And what a time they done this......:mad: with Xmas approaching !!

If they don't deal with this I know the FOS are also able to deal with any banking complaints here, but again its 8 weeks for them to resolve this first.

I do hope they sort this out very soon for you, good luck hunni, I'm sure it will be.;)

Di
x

joeandy

thanx for that. sent a complaint to the bank today but like you said i have to wait 8 weeks for their response. will not be holding my breath

di3004

joeandy wrote: »

thanx for that. sent a complaint to the bank today but like you said i have to wait 8 weeks for their response. will not be holding my breath

Good luck hun, fingers crossed and hope you hear with a good result sooner rather than later.;)
I know they're not the easiest to deal with.....:rolleyes: .
But if they do not resolve this for you, then complain to the FOS, they will then investigate this for you, let us know when you hear hun, so we can try to help all we can.;)

Di
x

marshallka

di3004 wrote: »

This one from the Adjudicator 29 October:
That was when they wanted further info.

Dear

There is a note on the business' computer record dated 20 April 2004 which says "LTR RECD FM CH RE PI. SNT POLICY BKLT. PI NOT CNXLD AS THIS NOT REQ BY CH."

Do you have a copy of the letter you issued in 2004 and if not can you shed any light on its contents?

Also in your correspondence you indicate that the credit card was paid off in 2004 and was not used. Is this still the case? If you currently use it, when did you recommence its use?

Please reply as soon as possible and no later than 12 November 2008.

Yours sincerely

Adjudicator
Financial Ombudsman Service
Telephone: 0207 964 0238
Fax: 0207 964 0239

I would just wait and see after the two weeks are up. You may be worrying over nothing or why not email again to jog him along...;)

di3004

Popping off to Woolworths, late night shopping again tonight, must see what bargains there are for xmas.;)
If there is anything left that is.....:rolleyes: , I love that place and its such a shame that Woolworths are in this position of closing them all down.... .

Catch you all later folks.:D

marshallka

joeandy wrote: »

my partners loan has arrears on the account. 4th dec they took £1259 out the bank account towards these arrears and then yesterday another £859. we have a claim against the loan for ppi mis-selling and i am now wondering if they have took this money because of this. any thoughts? the bank is lloyds tsb !!!!!

This would be classed as retaliative action and you could complain. As I explained in your thread you should now give the bank the chance to put this right as they had no right taking from your joint account for arrears and your partners sole loan account.

di3004

marshallka wrote: »

I would just wait and see after the two weeks are up. You may be worrying over nothing or why not email again to jog him along...;)

I think I will do just that.:D
Its worth a try anyway isn't it?

Off for a little while hun to see what bargains are left in Woolies now that they will soon be closing down....:rolleyes: , catch you later.;)
Oh rest up as well Marshallka, have a hot bubbly bath with some candles, that will help.:A .xxx

chickpee

pinknico wrote: »

I did not receive a creditors form but I was directed straight to the FSCS.
How were you mis sold?

When we rang them up about taking out a loan with them, Picture only gave us repayment information which included the ppi so we weren't given a fair opportunity to compare the different repayment rates. Also they indicated that the ppi continued after 5 years by saying that the plan would continue monthly after that.

The FOS said that if we had been given the full facts regarding ppi then they thought it was highly unlikely that we would have taken it out in the first place. They also criticised the benefits of the ppi stating that we would never have benefited anywhere near the cost of the policy should we ever have needed to use it.

Hope that answers your question.

marshallka

di3004 wrote: »

This one from the Adjudicator 29 October:
That was when they wanted further info.

Dear

There is a note on the business' computer record dated 20 April 2004 which says "LTR RECD FM CH RE PI. SNT POLICY BKLT. PI NOT CNXLD AS THIS NOT REQ BY CH."

Do you have a copy of the letter you issued in 2004 and if not can you shed any light on its contents?

Also in your correspondence you indicate that the credit card was paid off in 2004 and was not used. Is this still the case? If you currently use it, when did you recommence its use?

Please reply as soon as possible and no later than 12 November 2008.

Yours sincerely

Adjudicator
Financial Ombudsman Service
Telephone: 0207 964 0238
Fax: 0207 964 0239

Even with that note above about not cancelling it the adjudicator found it in your favour so I think you will be ok Di...;) .

marshallka

di3004 wrote: »

My experience though with Lloyds they are last minute with everything, just like the SAR, I received that on day 40......:eek:

My SAR was within 40 days from the co-op but them sending out copy agreements took over 7 weeks...:eek: . I got there in the end.