PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Yes I have to admit Marshallka, your amazing and everyone will agree with me on here as well, the support you have given thousands to on here.....WOW.......:eek: :T Well done hunni, what would us reclaimers do without you?:A Thank you and you deserve to WIN ALL your claims as well.;) xx

You are the same Di, you have helped lots...:A :A

I was not putting myself on a pedastal.:o I was mearly pointing out that charity (or helping others!!!!) is of all sorts...lol:cool:

di3004

marshallka wrote: »

You are the same Di, you have helped lots...:A :A

I was not putting myself on a pedastal.:o I was mearly pointing out that charity (or helping others!!!!) is of all sorts...lol:cool:[/quote

Aww thanks hun;) , but I can never be as quick as you and you are more knowledgable, and you deserve credit for this.:T I have learnt from you !

I know I spend a lot of time OTR as well but this is where I first became a member or it may have been CAG, but this is a fast moving forum where lots of useful info come in everyday where I am picking up as I go along as well.
Your a permanent fixture to this site Marshallka and you've been here for all, so you should be proud of yourself hun, well done !:T :A x

di3004

Marshallka, did you get anything exciting in todays post?

I've had nothing but junk mail......:rolleyes: again.
Hubby is still waiting for his P45, even though the company he last worked for is just a few miles away, the pay roll is in Ireland, they said it was posted 2 weeks ago.......:eek: , the post is not that good here at all anyway, never mind xmas time, but it looks like they will have to arrange for another P45, we did ask them to post by signed for delivery.......:rolleyes:

marshallka

di3004 wrote: »

marshallka wrote: »

You are the same Di, you have helped lots...:A :A

I was not putting myself on a pedastal.:o I was mearly pointing out that charity (or helping others!!!!) is of all sorts...lol:cool:[/quote

Aww thanks hun;) , but I can never be as quick as you and you are more knowledgable, and you deserve credit for this.:T I have learnt from you !

I know I spend a lot of time OTR as well but this is where I first became a member or it may have been CAG, but this is a fast moving forum where lots of useful info come in everyday where I am picking up as I go along as well.
Your a permanent fixture to this site Marshallka and you've been here for all, so you should be proud of yourself hun, well done !:T :A x

Di... I am no expert and have no qualifications at all :rolleyes: but I have learn't through others on here to. Some good, some bad and I also google things too...I too am picking up as I go along and I think that its true in any things in life that those with the most "experience" of things is those that are living it daily...:D

marshallka

di3004 wrote: »

Marshallka, did you get anything exciting in todays post?

I've had nothing but junk mail......:rolleyes: again.
Hubby is still waiting for his P45, even though the company he last worked for is just a few miles away, the pay roll is in Ireland, they said it was posted 2 weeks ago.......:eek: , the post is not that good here at all anyway, never mind xmas time, but it looks like they will have to arrange for another P45, we did ask them to post by signed for delivery.......:rolleyes:

No nothing Di, just waiting to hear from Lloyds now and that is my complaints done and dusted and then its back to the FOS with it if they listen. If not I will consider my other options as I will not give up here..;)

I thought his p45 would have had to be given when they laid him off??

di3004

marshallka wrote: »

di3004 wrote: »

Di... I am no expert and have no qualifications at all :rolleyes: but I have learn't through others on here to. Some good, some bad and I also google things too...I too am picking up as I go along and I think that its true in any walks of life that those with the most "experience" of things is those that are living it daily...:D

:T :T .
Still well done !

Yes Google does defo come in handy as well.:D

While I'm here now, think it may have been Pinknico who asked about something the other day about "if having another loan - a loan advance or consolidation then, the PPI should not go up", something like that, although Pinknico did not state this as such but wanted some info on this I believe, because we think this was posted up some time ago as well, any ideas on this hun ?;)

di3004

marshallka wrote: »

No nothing Di, just waiting to hear from Lloyds now and that is my complaints done and dusted and then its back to the FOS with it if they listen. If not I will consider my other options as I will not give up here..;)

I thought his p45 would have had to be given when they laid him off??

Hope you hear soon then.;)

Yes well I thought that as well but they are very sloooowww !:rolleyes:

marshallka

di3004 wrote: »

marshallka wrote: »

:T :T .
Still well done !

Yes Google does defo come in handy as well.:D

While I'm here now, think it may have been Pinknico who asked about something the other day about "if having another loan - a loan advance or consolidation then, the PPI should not go up", something like that, although Pinknico did not state this as such but wanted some info on this I believe, because we think this was posted up some time ago as well, any ideas on this hun ?;)

I thought mostly if you consolidated one loan into another then they rebate what the PPI was and close the loan and then start another loan and add another PPI on. I think this is maxdp's argument with the FOS but again it was tiggrae that stated that these figures are wrong. I believe that the new loans are no different to the others as they are "new" agreements and the old agreements are settled.

If you owed for arguments sake £4k on your old loan and there was PPI of £500 owing after you settled then you wanted another £1K to consolidate then they settle the old loan and give you a rebate against the PPI as this is a loan to pay the PPI don't forget so actually just the same as the actual "loan".... so you then may still owe £4.5 to settle (being your original loan settlement and the PPI settlement still owing also.) They would then give you in cash another £1K (for whatever reason you wanted.....and you would start off with an amount owing of £5.5 K plus whatever the "new" PPI is. I thought that consolidations were settled in the same way and started as new loans whether right or wrong. Its all because single premiums are not classed as single premiums on the loan agreements, they are actually loans the same as the original loan and therefore treated the same way in settlements. This is why they are sooo wrong..

bathgatebuyer

Pinknico, ta' for the Egg agreement you forwarded through. It is exactly the same as mine (signed by the same Eg employee too!).

Have you got a next course of action planned for them?

pinknico

bathgatebuyer wrote: »

Pinknico, ta' for the Egg agreement you forwarded through. It is exactly the same as mine (signed by the same Eg employee too!).

Have you got a next course of action planned for them?[/quote

This is my husbands agreement, I am waiting for the info on how this was added.

On my agreement in 2000 it does not mention PPI but they still say I selected it!! This is now with the FOS, maybe next chrismas I will have a reply:D