PPI Reclaiming discussion Part III

marshallka

Well did mention this earlier but I have today received a letter from the FOS about the unfair rebate that I received from Firstplus and they say they have written to LLoyds on my behalf and I should hear from them real soon. I have no idea what they have said my complaint is about but I just hope they have stipulated that I was complaining about there being no cancellation on the policy other than the rule of 78, not even a 14 or 30 day cancellation and that I find unfair and also the rebate was determined by the rule of 78 but first they take so much away from this and then apply the rule of 78 and this is so unfair.... They have asked me if they can close the complaint against Firstplus now and I have until 16th January to do this but I think Firstplus are to blame in some of this. They will most probably get away with it as the FOS are not listening to any of the other bits of my complaints but I really wish everyone with Firstplus complaints better luck than me and each and every one that wins against them will give me a little bit of pleasure too although the money will not be in my pocket but the taking back from them is just as pleasureable.

di3004

Hiya all

I've been wrapping pressies bit by bit and my back is in agony lol, nothing better than a natural radox hot bath to fix that.....:D

I've cut back this year, we used to buy for brothers, sisters, nieces and nephews and so on but this years its just mainly for our own kids.;)

As long as I have my Christmas dinner then I'm happy.....:D

di3004

marshallka wrote: »

Well did mention this earlier but I have today received a letter from the FOS about the unfair rebate that I received from Firstplus and they say they have written to LLoyds on my behalf and I should hear from them real soon. I have no idea what they have said my complaint is about but I just hope they have stipulated that I was complaining about there being no cancellation on the policy other than the rule of 78, not even a 14 or 30 day cancellation and that I find unfair and also the rebate was determined by the rule of 78 but first they take so much away from this and then apply the rule of 78 and this is so unfair.... They have asked me if they can close the complaint against Firstplus now and I have until 16th January to do this but I think Firstplus are to blame in some of this. They will most probably get away with it as the FOS are not listening to any of the other bits of my complaints but I really wish everyone with Firstplus complaints better luck than me and each and every one that wins against them will give me a little bit of pleasure too although the money will not be in my pocket but the taking back from them is just as pleasureable.

Marshallka, you received this letter today did you hun?

Silly question really, but how do you feel about their response on this so far?

Still not received the copy of PPI document thingie from Endeavour/HFC
Wonder whats in it to hide lolx

Natalie6999

showergirl wrote: »

It is the RBS who are dealing with claims not Tesco as I was lead to believe. No wonder we are getting nowhere.

Do RBS have a reputation for being difficult?

marshallka

di3004 wrote: »

Marshallka, you received this letter today did you hun?

Silly question really, but how do you feel about their response on this so far?

Still not received the copy of PPI document thingie from Endeavour/HFC
Wonder whats in it to hide lolx

It just says that they have today written to LLoyds and have provided it with the necessary information to consider and address the complaint. We have asked it to contact you as soon as possible in line with the complaints procedure.

They go on to say that as the complaint is about unfair rebate its and underwriting issue and that they cannot take this any further with Firstplus as the loan provider.

It says however, if you belieive that we have not fully addressed your complaint with Firstplus please let us know .

With this in mind the Society of LLoyds will be in touch with you shortly to acknowledge the complaint and to explain its complaints handling procedure. We ask that you keep us fully update on its investigations into your complaint. As this will help to ensure that there are no delays in progressing your complaint if the matter cannot be resolved through the society of Lloyds internal complaints handling procedure.




Doesn't sound very promising to me...

di3004

marshallka wrote: »

It just says that they have today written to LLoyds and have provided it with the necessary information to consider and address the complaint. We have asked it to contact you as soon as possible in line with the complaints procedure.

They go on to say that as the complaint is about unfair rebate its and underwriting issue and that they cannot take this any further with Firstplus as the loan provider.

It says however, if you belieive that we have not fully addressed your complaint with Firstplus please let us know .

With this in mind the Society of LLoyds will be in touch with you shortly to acknowledge the complaint and to explain its complaints handling procedure. We ask that you keep us fully update on its investigations into your complaint. As this will help to ensure that there are no delays in progressing your complaint if the matter cannot be resolved through the society of Lloyds internal complaints handling procedure.




Doesn't sound very promising to me...

I hope this gets sorted out then hun, now reading that is almost the same as what I received from them when they stated they sent my details to HFC and they will get back to me and for me to keep the FOS updated of the progress of this, but you know what happened about mine, they keep going back to Endeavour everytime..... .

Hope you get luck with this Marshallka.;)

marshallka

di3004 wrote: »

I hope this gets sorted out then hun, now reading that is almost the same as what I received from them when they stated they sent my details to HFC and they will get back to me and for me to keep the FOS updated of the progress of this, but you know what happened about mine, they keep going back to Endeavour everytime..... .

Hope you get luck with this Marshallka.;)

If I do not then I have gone as far as I can go without involving the courts in this and if that is my next step then I will do it. They are not getting off scot free as there are so many other things wrong in this sar and agreement. If nothing is happening after new year then I shall start the ball rolling in other avenues...;)

sammy452

Hi
My husband has PPI on his credit card and we received a response today after the first template letter sent. They do not believe he has been missold and have attached a copy of a database print out with all his details on. The print out states it was an internet application and just says payment protection insurance, it does not say that this was requested by him there are no ticks etc it merely states it is attached to his card. They also stated he was sent a copy of the terms and conditions. Should we now ask for proof of him requesting this? What is the best way forward? The card dates back to 2002, is anyone aware whether Egg had a preticked opt box at this tim?

Thanks guys.

Natalie6999

I've just received my December statement for my card, I am trying to reclaim my PPI, and have noticed that they have stopped charging me for it, does this mean that something is finally happening?

Does anyone know which bank backs M & S Money?

showergirl

Natalie6999 wrote: »

Do RBS have a reputation for being difficult?

From what I gather on CAG. YES