PPI Reclaiming discussion Part III

maxdp

pinknico wrote: »

Last day of Scorpio:D

Ohhh sting in your tail. Not upsetting you
:rotfl:

maxdp

pinknico wrote: »

Max I am waiting for your email containing picture of you looking like Cheryl Cole:D

Am having to have professional air brushing may take a while like 3/4 months to get desired affect. Be patient will get there eventually.:T:rolleyes:

marshallka

maxdp wrote: »

Marshallka

Nystagmus is nasty had a work colleage with that. His eyes used to move from left to right when he was talking to you. Made him feel sick. You poor thing. So sorry for you.:o

I never had it before but mine was vertical and not side to side. I could not see it myself as everything was spinning to me but used to ask people to watch when i lay down or moved my head back to look over my shoulder. It was very scary as I did not know what it was. I used to wake up vomiting and could not stand up. I got used to sleeping upright cause turning over was like being drunk. I got used to walking and not moving my head. We thought it was MS too... lots of stange things these last few years but seems to have settled for now. It can come back though and everytime I feel a bit strange now I always throw my head back to see that its not back again...

marshallka

maxdp wrote: »

Am having to have professional air brushing may take a while like 3/4 months to get desired affect. Be patient will get there eventually.:T:rolleyes:

Oh maxdp, I bet you are gorgeous now without the air brushing, well we know you are without seeing you...;) .

marshallka

sarah8608 wrote: »

thank you i am going to send them a letter fingers crossed x

Extra good luck to you sarah...;)

maxdp

ineedhelp2008 wrote: »

Hi there, i'm hoping someone can point me in the right direction?

we have a loan with A&L which has been in place since 2005. We recently realised that there is PPI on the loan which (a) we didn't know about and (b) my husband is self employed so wouldn't pay out anyway.

We wrote to A&L and they wrote a couple of times saying they were looking into it, and they have now come back with a letter saying

'the loan account you have with us is on a fixed term, fixed rate contract. When the loan agreement was set up the insurance policy was purchased for the full duration of the loan and we are unable to alter this agreement'.

In order for us to cancel the insurance, we will need to close this loan account and set up a new loan over the remaining term.

They then go on to give us a new monthly payment,the figure of which is only £20.00 less than what we pay now when the PPI we pay is over £100.00 a month.

Can anyone guide me on this please?

That is normal for them to refinance the loan. They should refinance it at a rate the same or less than your original agreement. These companies have policies in plate called Treating customers fairly. If this is not the case then complain.

Do you feel you have adequate grounds for miss selling or are you just going to cancel the PPI . If you feel you have been miss sold you can claim it back

Let us know and somebody will guide you:D.

maxdp

marshallka wrote: »

Oh maxdp, I bet you are gorgeous now without the air brushing, well we know you are without seeing you...;) .

Marshallka
Cheryl Cole has nothing on me. She has air brushing to look like me:eek::rotfl:

marshallka

ineedhelp2008 wrote: »

Hi there, i'm hoping someone can point me in the right direction?

we have a loan with A&L which has been in place since 2005. We recently realised that there is PPI on the loan which (a) we didn't know about and (b) my husband is self employed so wouldn't pay out anyway.

We wrote to A&L and they wrote a couple of times saying they were looking into it, and they have now come back with a letter saying

'the loan account you have with us is on a fixed term, fixed rate contract. When the loan agreement was set up the insurance policy was purchased for the full duration of the loan and we are unable to alter this agreement'.

In order for us to cancel the insurance, we will need to close this loan account and set up a new loan over the remaining term.

They then go on to give us a new monthly payment,the figure of which is only £20.00 less than what we pay now when the PPI we pay is over £100.00 a month.

Can anyone guide me on this please?

Right was your original complaint about misselling or cancelling??

marshallka

maxdp wrote: »

Marshallka
Cheryl Cole has nothing on me. She has air brushing to look like me:eek::rotfl:

PMSL... they all need someone to look up to...someone to follow don't they..;)

ineedhelp2008

maxdp wrote: »

That is normal for them to refinance the loan. They should refinance it at a rate the same or less than your original agreement. These companies have policies in plate called Treating customers fairly. If this is not the case then complain.

Do you feel you have adequate grounds for miss selling or are you just going to cancel the PPI . If you feel you have been miss sold you can claim it back

Let us know and somebody will guide you:D.

Hi and thanks for replying! This response is to my letter stating the insurance has been mis-sold, that we would like the payments refunding and the insurance cancelling so yes, I do think we have adequate grounds for miss selling due to hubby being self employed.

Thanks for any help/advice you can offer!