PPI Reclaiming discussion Part III

marshallka

ineedhelp2008 wrote: »

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!

Now you need to write to them again if this is not their final response and send it recorded delivery of course and ask them for their final response in the matter. You only need to give them whatever time is left from 8 weeks from the date of your first letter. Put all your reasons down again and state to them that you will be taking the matter to the FOS if this is not upheld.

Good luck...

maxdp

ineedhelp2008 wrote: »

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!

Hi There just because he was self employed does not mean that he was miss sold . What National Insurance does he pay some Policies pay out if your are on Class 2/ Do you have medical issues. Did you know only the main policy holder was covered. Did they sell this saying you needed this to get the loan etc:D

ineedhelp2008

marshallka wrote: »

Now you need to write to them again if this is not their final response and send it recorded delivery of course and ask them for their final response in the matter. You only need to give them whatever time is left from 8 weeks from the date of your first letter. Put all your reasons down again and state to them that you will be taking the matter to the FOS if this is not upheld.

Good luck...

they have had their 8 weeks, they wrote last week and said that as they had not responded within 8 weeks we would go to the FOS but we didn't as we were trying to be nice......

marshallka

maxdp wrote: »

Hi There just because he was self employed does not mean that he was miss sold . What National Insurance does he pay some Policies pay out if your are on Class 2/ Do you have medical issues. Did you know only the main policy holder was covered. Did they sell this saying you needed this to get the loan etc:D

The best grounds they had was that they did not know it was there...:D

marshallka

ineedhelp2008 wrote: »

they have had their 8 weeks, they wrote last week and said that as they had not responded within 8 weeks we would go to the FOS but we didn't as we were trying to be nice......

Straight to the FOS then now...

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

maxdp

marshallka wrote: »

The best grounds they had was that they did not know it was there...:D

Good one Marshallka.:D

di3004

Mark_Collins wrote: »

Hi Marshallka,
I sent a second recorded delivery letter stating, that I was going to contact the FSA with the help of your recommendations about the insurance that was still continuing even though I had paid up the loan in full. I enclosed a copy of the T&Cs of the insurance policy which stated that the insurance should have stopped on the repayment of the loan. The following day I received a phone call from Ocean Finance stating that they could not understand why my T&Cs said what they did, but would look into it. Monday this week the same person called to say that they would refund me plus 8% interest, almost £3500. I was sceptical at first until this morning the cheque landed on my doormat. I would like to say A VERY BIG THANK YOU to everyone for their support, advice and encouragement to retrieve the money rightfully owning to me .It has only cost me the price of two recorded delivery letters to receive my money. I would like to say to everyone that is considering taking on the Financial Goliaths…………………………………… there is a David in all of US. Again, a big thank you.
:j

Wow well done Mark....:T :beer: :j .

Congratulations and what a lovely xmas you will have this year, well done !:beer: :j :T .

Di
x

di3004

maxdp wrote: »

Di now I think definitely a lion with that curly perm/ I had one like that about 10 years ago i had it for ages and loved it then went all short as per the picture you saw. Have now gone all long like Cheryl Cole:eek: look just like her.:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:Think not.

Lol........:rotfl: cool "we shall have to see your Cheryl Cole Pics then" lol....:rotfl: :rotfl: .
My hair needs cutting again, I sit on my hair now, its no longer permed and back to my blonde again, although I must disguise the creeping grey bits.......:o pmsl.......:rotfl: :rotfl:

maxdp

di3004 wrote: »

Lol........:rotfl: cool "we shall have to see your Cheryl Cole Pics then" lol....:rotfl: :rotfl: .
My hair needs cutting again, I sit on my hair now, its no longer permed and back to my blonde again, although I must disguise the creeping grey bits.......:o pmsl.......:rotfl: :rotfl:

Di my grey ones are coarse and curly like P.b:eek:.s

maxdp

Going to sign off now. Night all. Have more paperwork to do. OMG