PPI Reclaiming discussion Part III

marshallka

sarah8608 wrote: »

hi no i havent written yet the ppi must have been on since i took the card about 9 yrs ago i cancelled it last yr but didnt ask for a refund
should i ask for a copy of the agreement thanks for replying

I left a good post for you before. Have you read it...;)

Shazpops

Hello all, looking for help reclaiming PPI insurance from my Morgan Stanley Card (now Barclaycard).

I sent my first letter (a template from this site) to them a week or so recorded delivery - asking for a reply reference the PPI applied to my account - I was not aware it was added to the agreement and had not noticed due to me not examining my statements closely. I am also asthmatic and was not aware this would be excluded from claims.

I received a letter back today (within a week) advising that the PPI was legal and fair, and it was my duty to check the terms and conditions - and that compensation is not applicable in this case. They then state this is their final response and any further complaint should be made to the FOS within 6 months of the date, they also included a booklet for my reference.

Does this sound like a standard 'fob-off' from them? Should I write back to them or write to the FOS directly? Has anybody done this with success? Am I wasting my time?

Any help appreciated, thanks in advance.

di3004

Shazpops wrote: »

Hello all, looking for help reclaiming PPI insurance from my Morgan Stanley Card (now Barclaycard).

I sent my first letter (a template from this site) to them a week or so recorded delivery - asking for a reply reference the PPI applied to my account - I was not aware it was added to the agreement and had not noticed due to me not examining my statements closely. I am also asthmatic and was not aware this would be excluded from claims.

I received a letter back today (within a week) advising that the PPI was legal and fair, and it was my duty to check the terms and conditions - and that compensation is not applicable in this case. They then state this is their final response and any further complaint should be made to the FOS within 6 months of the date, they also included a booklet for my reference.

Does this sound like a standard 'fob-off' from them? Should I write back to them or write to the FOS directly? Has anybody done this with success? Am I wasting my time?

Any help appreciated, thanks in advance.

Hi there
When did you take this out hun?
What year?;)

pinknico

catinthehat1 wrote: »

And our payments should be reduced and they hadn't reduced them!!!:mad:

Isn't it hard when you are waiting for your claim and other people are getting their claims after just one letter?:o

None of mine are straight forward, I would just like one where the company writes to me and says yes you were mis sold:D

Shazpops

di3004 wrote: »

Hi there
When did you take this out hun?
What year?;)

Hello there, agreement signed 25th August 2004 according to the letter, they say they will send me a copy of the agreement within 4 weeks for my reference.

marshallka

di3004 wrote: »

Blimey that is very nasty.......:eek: sorry to hear this Marshallka hun, this must have been awful for you.
I can imagine it will put you off.

Hey I hear that left handers are the most intelligent......am I right ?:D

Its done and dusted now Di but if you want to know what it is its here

http://www.patient.co.uk/showdoc/40002345/

It started two weeks after having my daughter and that lasted about 9 months and then went and came again when I started work again at the school. I eventually paid for a private neurologist in 1999 just the same week as we signed for application of the firstplus loan.

OK now though folks and seems to be Ok but did have to have an MRI brain scan as my nystagmus was not typical as it went up and down and not side to side. It suggested more of a brain cause than a middle ear one.

di3004

marshallka wrote: »

Its done and dusted now Di but if you want to know what it is its here

http://www.patient.co.uk/showdoc/40002345/

Thanks hun, just saved the link and will check this out later.;)
Glad your okay now though.;) x
You have been through the wars haven't you?:eek:

pinknico

maxdp wrote: »

What are you Pinknico a water sign

Last day of Scorpio:D

di3004

Shazpops wrote: »

Hello there, agreement signed 25th August 2004 according to the letter, they say they will send me a copy of the agreement within 4 weeks for my reference.

Right okay, so it seems they are fobbing you off then?

Now in my opinion they should have made sure this was to suit your needs first, because if for some reason you have to make a claim from work due to asthma, then its clear they will not pay out, I would defo fight this one out.;)

If they state this is their final response then yes take this to the FOS here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Or you can ring them to request for an hard copy in the post, and enclose copies of any correspondence to help your case.

Good luck hunni, keep fighting.x

di3004

pinknico wrote: »

Last day of Scorpio:D

My eldest is a Scorpio, my youngest a Capricorn and hubby a Taurean.....:rolleyes: