PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

They are a great supportive lot on here do you think?
Yes thanks bathgatebuyer, your a diamond x:A And to the rest of you here, Marshallka works very hard here and I have been leaving her to it , sorry Marshallka hunni:o , and she is so very understanding and very honest, which is what I adore about her as well.:T :A x

I have managed though Di ... you have had more important things to be doing and that is ongoing. Have you looked at the thread on here yet that maxdp gave you the link to. It could help you more than this one at the moment. Might be more people doing what you are doing in teaching at home.

maxdp

pinknico wrote: »

Thanks Di, your support means an awful lot:A

As does the support of the rest of the posters, Marshallka, Max, to name but a few. xxxxx;)

Thanks Pinknico and you know we love to hear a success on here. Whether we have the knowledge or not:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Natalie6999

showergirl wrote: »

Natalie6999 This seems to be a standard response to your letter according to Martins web site. I would write them another letter and give them 14 days to reply. Also get on the phone to the ombudsman and try to get a case number from them and threaten Tesco with this. On a lighter note I have just had a phone call from some woman wanting to know my opinion of the banks. I said I would try to answer her questions without swearing. The banks did not come off very well. Chin up girl, we ain't giving up yet

After having three very heated sessions on the phone with my caseworker at Tesco PF both she & her manager admitted that the policy booklet & loan agreement were not in plain english, but would not budge with my PPI claim stating that a full & final response had been issued & that my only option was to go to the FOS.

She had made several mistakes in her letter but would not change her response.

di3004

Toffee_Penny wrote: »

Hi guys! :beer:

Received a letter today from MBNA saying they are looking into complaint and will respond within 28 days. I'm glad it wasn't a 'NO' just yet it sort of keeps the hope alive over Christmas! :rolleyes:

After reading through the success and failures thread it got me thinking about my own situation. So I wanted to ask 'the experts' advice on here about my own ppi on my loan and credit card. My loan is with Lloyds and credit card with Capital One.

I am working and was when I applied and accepted for both, I work for the local council which I hope means if I had an accident or was sick I would receive some kind of pay from work. I also had one of those endownment assurance policies from CIS at the time too which had life cover.

When I banked at Lloyds TSB I was at the counter and the cashier asked if I could spare a few minutes as the advisor?? would like to speak to me to see if they could save me any money on house insurance. I went into a room with the advisor and she offered me a loan there and then.

The same advisor also sold me a Scottish Widows life policy worth £50,000. At the time I accepted because when she asked me what my family would do if I died, I just laughed and said who cares I'll be dead. I remember her convincing me that this policy was the bees knees and made me go on a guilt trip about how my family wouldn't be able to afford a funeral etc.

Stupid me signed on the dotted line BUT after consideration at home and realisation that I didn't want this policy I managed to cancel straight away. My point is this lady was very good, she sold a life insurance policy to someone who already had one. I don't like to think I am niaive but in this instance my financial sense went out the window. I admit I didn't have a clue.

A few years into the loan I had the usual letter offering me a 'top up'. Being in debt and blinded that it will all go away if I consolidated it all I called and was accepted for the loan. PPI was included in it but I really can't say one way or the other if I was asked about this. The first time in the branch I was but I didn't know what it was if I am honest

As for the Capital One credit card thinking back I really don't think I have ever asked for ppi, I just thought it was part of the 'deal'. I didn't really begin to get clued up on ppi until I discovered this site.

So what can I do? Do you think I am trying it on? Well ok I'll admit I suppose I am in a way, I never knew about the ins and outs of ppi until I found this site. I admit I was daft and not as financially savvy as I am now. BUT if I was already adequately covered from work with accident and sickness then should I have had ppi?

What should I do honestly?

your comments will be appreciated (good or bad)

thank you

Hiya hun

Your not on your own hun, I always thought insurance was part of the deal, and always assumed if to cancel I had to pay off the full balance....:o , but the main have us been there.

If you feel you have a case and ripped off with being sold this, I would try to reclaim on it.
I take it you know how this works now going by the one your waiting for right now on MBNA.

I have a case in with the FOS now regarding LLoyds credit card ppi and was an homemaker when this was sold to me, where they ticked
"unemployment cover" for me....... , but as Lloyds to not agree with the adjudicator, its now being moved on to the actual ombudsman to take a look at.

You go for what you feel you were mis sold in hun, if you have a reason to then try getting the money back in your pocket.

Now this is my answer here and my opinion.:D

Good luck.
Di
x

pinknico

bathgatebuyer wrote: »

As will I. Is there not a leaflet floating around from the FOS which identifies the types of cases they can get involved in and I'm sure (although my memory is not what it was) that it covered instances suc has couriered agreements.

Did you see my post about your egg agreement Bathgatebuyer?

di3004

marshallka wrote: »

I have managed though Di ... you have had more important things to be doing and that is ongoing. Have you looked at the thread on here yet that maxdp gave you the link to. It could help you more than this one at the moment. Might be more people doing what you are doing in teaching at home.

Aww thanks hun I know you understand.:A x

No I may have missed that link, will go back and take a look then, thanks and thanks Maxdp, your my super-stars.:A :A xx

marshallka

Toffee_Penny wrote: »

Hi guys! :beer:

Received a letter today from MBNA saying they are looking into complaint and will respond within 28 days. I'm glad it wasn't a 'NO' just yet it sort of keeps the hope alive over Christmas! :rolleyes:

After reading through the success and failures thread it got me thinking about my own situation. So I wanted to ask 'the experts' advice on here about my own ppi on my loan and credit card. My loan is with Lloyds and credit card with Capital One.

I am working and was when I applied and accepted for both, I work for the local council which I hope means if I had an accident or was sick I would receive some kind of pay from work. I also had one of those endownment assurance policies from CIS at the time too which had life cover.

When I banked at Lloyds TSB I was at the counter and the cashier asked if I could spare a few minutes as the advisor?? would like to speak to me to see if they could save me any money on house insurance. I went into a room with the advisor and she offered me a loan there and then.

The same advisor also sold me a Scottish Widows life policy worth £50,000. At the time I accepted because when she asked me what my family would do if I died, I just laughed and said who cares I'll be dead. I remember her convincing me that this policy was the bees knees and made me go on a guilt trip about how my family wouldn't be able to afford a funeral etc.

Stupid me signed on the dotted line BUT after consideration at home and realisation that I didn't want this policy I managed to cancel straight away. My point is this lady was very good, she sold a life insurance policy to someone who already had one. I don't like to think I am niaive but in this instance my financial sense went out the window. I admit I didn't have a clue.

A few years into the loan I had the usual letter offering me a 'top up'. Being in debt and blinded that it will all go away if I consolidated it all I called and was accepted for the loan. PPI was included in it but I really can't say one way or the other if I was asked about this. The first time in the branch I was but I didn't know what it was if I am honest

As for the Capital One credit card thinking back I really don't think I have ever asked for ppi, I just thought it was part of the 'deal'. I didn't really begin to get clued up on ppi until I discovered this site.

So what can I do? Do you think I am trying it on? Well ok I'll admit I suppose I am in a way, I never knew about the ins and outs of ppi until I found this site. I admit I was daft and not as financially savvy as I am now. BUT if I was already adequately covered from work with accident and sickness then should I have had ppi?

What should I do honestly?

your comments will be appreciated (good or bad)

thank you

So are you saying here toffee penny (which reminds me I have a tin of quality streets up the loft:eek: ) that on the first loan you had no PPi but they included it on the top up one and you can't remember the conversation??

This is a hard one as you know abit about PPI now but did you know what this single premium policy was and that it incurred interest for the term of the loan? Were you told you could get another policy elsewhere? These are things that they should have discussed with you and knowing what you do now would you have said "yes" to it.

As regards the Capital one one if you never requested it would yu have opted for it??

Its up to you but bear in mind you should have had a choice...;)

di3004

Hi Maxdp hun, hope your well hunni.:A .

You posted me a link before, and I remember going into it and lost it again......:o , can you remember which link it is hunni, you know the one, (for my son) thank you.:D x

marshallka

Natalie6999 wrote: »

After having three very heated sessions on the phone with my caseworker at Tesco PF both she & her manager admitted that the policy booklet & loan agreement were not in plain english, but would not budge with my PPI claim stating that a full & final response had been issued & that my only option was to go to the FOS.

She had made several mistakes in her letter but would not change her response.

If the caseworker agreed that the policy booklet was not in plain intelligible english then you could make a complaint about the policy as well in that it was Unfair Terms in Comsumer Contracts regulations 1999.

marshallka

di3004 wrote: »

Aww thanks hun I know you understand.:A x

No I may have missed that link, will go back and take a look then, thanks and thanks Maxdp, your my super-stars.:A :A xx

I understand that part Di but can't understand how you could find that Credit Cruncher was "very helpful" to us on here.