PPI Reclaiming discussion Part III

marshallka

nutmeg wrote: »

hi all
dont want to sound dumb but will a SAR tell me if i got any rebate when i paid off my loan early? I have finished 2 loans in 04 and was not aware of any rebate. Thankyou

You would find this information from asking for a breakdown of the settlement figure which may be included. If not you can make a request for one.

hayjamdan

di3004 wrote: »

hayjamdan wrote: »

I see.
To be honest if you see the calculations on both these for yourself as they should provide these for you if you request for them, it can be calculated, you can then post on here and I am sure Marshallka or someone who is good at working out maths lol, will be able to tell you the best way to deal with this, but I don't think it makes that much difference to be honest.

Ask them for these hun and put it into writing, I do tell others to do this as well, because this will and should prove what is what with PPI on one loan and the other if you know what I mean and we can take it from there.

Good luck and it will work out either way.;)

hi there will an sar help with the calculations as i just sent that request. barclays was explaining the second loan to me saying the amount was 160.01. £128 was for the loan and the rest which is 32 for ppi i paid this for 8 months my last loan is 224.01 i would be paying£179.31 and then the ppi is 44.69 and i have paid this 48 times so far the first one i had only for a couple of month so not to worried about that one i also asked for interest and the 8% as well thanks

Littleluc21

Hello All!


Just to keep ypu updated with the GE Money saga........so I had a reply to my letter on Saturday saying "Thankyou for your evidence that you were at University but this doesnt prove you were not working in excess of 16 hours so we now request that you send us a copy of your National Insurance Report for October 2002".

Aaaaaaaaarrrrrrrrggggggghhhhhhhh so anyway I just called the National Insurance people to ask for a copy of my report. They said no problem but this takes 6-8 weeks for you to recieve eeeeeeeeekkkkkk! I am annoyed but am so not giving up - bloody GE Money are a nightmare! Just written them a lettr to say this report will be sent to them withing 8 weeks and that I was most dissappointed that on the FIVE occasions I have called them they told me they had all the info that they needed to investigate my complaint and would not need any more documentation. They really are a joke!

I dont know how many of you have read my previous posts regarding this but the other account I had with GE Money was initillay opened under another company so GE Money advised that any mis-selling would need to be investigated by them. I have written to the original company but interestingly when I queried that GE Money must have checked my agreement to ensure I was covered for their policy when they took over the account they advised that they would probably have never checked my agreement. This worried me so I requested that they sent me a copy of my credit agreement - just been told that they dont have one!!!!I am thinking oft going to my local MP regarding this - what do you think?

L xxxx

smudge2002

marshallka wrote: »

Let us know what they say and then we can all look at other ways to go about this.

I've had a call back from First Direct this morning. They've said that as long as I repay the amount paid to me in the claim last year I will get a refund of the remaining PPI when I settle the loan. As a result I make a net gain of about £1800 which is more than I expected. So now a happy chappy again. Thanks to everyone who posted advice.

boo34

hi can any one give me advice please, i sent first letter to natwest on 1st november to reclaim ppi.on 3 loans for my othere half.the bank sent the letter to rbs as they are the ones the ppi was with,i ring them weekley to see how they are going with the claim,and for 2 weeks the lady has said at the present time iam still gathering information about the case,as soon as i get it i will write and let you no.do u think they are trying to fobb us of.they have 14 days to day to reply if not i shall contact the fos.also is there a calculater on here to work out the amount of ppi my oh has paid...... thank you.

pinknico

Littleluc21 wrote: »

Hello All!


Just to keep ypu updated with the GE Money saga........so I had a reply to my letter on Saturday saying "Thankyou for your evidence that you were at University but this doesnt prove you were not working in excess of 16 hours so we now request that you send us a copy of your National Insurance Report for October 2002".

Aaaaaaaaarrrrrrrrggggggghhhhhhhh so anyway I just called the National Insurance people to ask for a copy of my report. They said no problem but this takes 6-8 weeks for you to recieve eeeeeeeeekkkkkk! I am annoyed but am so not giving up - bloody GE Money are a nightmare! Just written them a lettr to say this report will be sent to them withing 8 weeks and that I was most dissappointed that on the FIVE occasions I have called them they told me they had all the info that they needed to investigate my complaint and would not need any more documentation. They really are a joke!

I dont know how many of you have read my previous posts regarding this but the other account I had with GE Money was initillay opened under another company so GE Money advised that any mis-selling would need to be investigated by them. I have written to the original company but interestingly when I queried that GE Money must have checked my agreement to ensure I was covered for their policy when they took over the account they advised that they would probably have never checked my agreement. This worried me so I requested that they sent me a copy of my credit agreement - just been told that they dont have one!!!!I am thinking oft going to my local MP regarding this - what do you think?

L xxxx

You can try the FOS with this about the credit agreement, when did GE Money take this over?
If they cant help then contact everyone FSA, OFT, ICO and your MP.
Dont let them get away with this.

di3004

Hi folks

Just a quick hi, will come back and check here later....will be due for a quick break shortly.:D . So please bear with me.

Marshallka hope you and your family are feeling better today hun.;) :A xx

Littleluc21

pinknico wrote: »

You can try the FOS with this about the credit agreement, when did GE Money take this over?
If they cant help then contact everyone FSA, OFT, ICO and your MP.
Dont let them get away with this.

They took over in October 2004 from Creation Finance

L xxxx

KELLYJSKY

I mean I havent passed my 6 month at work so they are letting emmgo - just before xmas how lovely!
So I was wondering as I am trying to reclaim for my PPI shall I just cancel my direct debit cos northern rock are saying they dont know about it so I figure if I cancel my DD then they might suddebly jump into action!

di3004

smudge2002 wrote: »

I've had a call back from First Direct this morning. They've said that as long as I repay the amount paid to me in the claim last year I will get a refund of the remaining PPI when I settle the loan. As a result I make a net gain of about £1800 which is more than I expected. So now a happy chappy again. Thanks to everyone who posted advice.

Wow, well if its more then that cool.......:D :T :beer: :j , well done !

Di
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