PPI Reclaiming discussion Part III

Credit-Crunched

millyscarlett wrote: »

I'm just having a go at the reclaiming letter now....Shall I go for the 'Your member of staff did not ask me about any pre-existing conditions...' OR the 'I informed your memebr of staff of a pre-existing condition but it was not made clear the effect this could have on me...'??
It's worth a try isn't it?!!

Stick to pure fact, if you are unsure of waht was said, waht for your SAR.

Regarding the policy, PPI needs to be suitable and alos the claimant eligible.

Suitable can be easily arguewd by the bank, i.e no existing cover etc.

HOWEVER eligible is very different. If you were not advised of the implications of Pre Existing Medical Condiitons (PEMC) at the point of sale, then that really is bad practice and not being fair, clear and not misleading. One of the major treating customer fairly principles.

I woud take this route if i were you, they should have asked if you have consulted a doctor in the last 24 months or if you have any conditions you feel may affect this policy. Without asking these questions the bank can not state that they policy was 100% eligible.

marshallka

maxdp wrote: »

Yes Ta. It would not dare fall over again:eek:The cement block at the bottom of the tree holds it in well. Covered in tinsel nobody would know.:T

PMSL...:rotfl: :rotfl:

marshallka

Postie been and nothing form Lloyds of London yet about the unfair rebate complaint. I doubt I will hear now until after new year... .

I have emailed the ombudsman though to request a copy of what they have written as my complaint.

I want near on £4K coming my way... (with the stat interest!!)

And then there is my final option:eek: if not...

maxdp

marshallka wrote: »

Postie been and nothing form Lloyds of London yet about the unfair rebate complaint. I doubt I will hear now until after new year... .

I have emailed the ombudsman though to request a copy of what they have written as my complaint.

I want near on £4K coming my way... (with the stat interest!!)

And then there is my final option:eek: if not...

Think you have to here Marshallka.

Am going to write to Barclaycard to get full SAR did not do that before it went to FOS. Was new on here. When it is received may refer that one as well cause I am being ignored at the moment.

di3004

Morning all.

Sorry you have not heard anything yet Marshallka....... , I'm still waiting for my postie, if we get one at all today.....:rolleyes:

di3004

As I spoke postman been, received an xmas card from my mate in Yorkshire;) , and a leaflet......:rolleyes: .

Next post I believe will be on Saturday........if we're lucky.

di3004

Just been checking the postal and collection times on the Royal Mail Website:

Tuesday 22 Dec - Normal Del & Collection
Wednesday 23 Dec - Normal Del & Collection

24th & 25th Dec - None

Sat 27 Dec - Normal Del & Collection

Mon 29th, Tues 30th & Weds 31 - Normal Del & Collection

Thurs 1 Jan 2009 - None

Fri 2 Jan 2009 - Normal for England, Wales & Scotland.
None for N Ireland.


Sat 3 - all services back to normal.

blondie27_2

I have submitted a letter re: my PPI to MINT for a credit card i had with them previously. I no longer have the card and don't have the statements to obtain the credit card number - can anyone advise me how i could go about finding this out as they are asking for it. Thanks in advance.

hayjamdan

hi all can some1 pls help me work out the figures on how much i will get if my claim is successful. took out a loan for 60 months loan amount is 7000 with a intrest rate of 21.9 i think, the ppi on it is 44.69 would have been £179.32 without ppi i have paid 48 payments so far. and i have asked for all intrest added plus the 8%stat the loan is a single premium. amount i pay montly is 224.01

inamess200

Hi

Coiuld someone help me - My husband and i took a joint loan out with nationwide in 2002 they charged me a single ppi premium of £2233 (I know 'cause they have just sent me a statement (nice people the first time ever) ) now when we came to claim in 2005 for my husband having a back operation and being unable to work we were told he was not covered as only first name on a joint loan is covered which was me!! Not good for a joint loan - so now loan in DMP and has about £2000 outstanding - do I have a case for mis selling??

Thanks for any help