PPI Reclaiming discussion Part III

marshallka

bathgatebuyer wrote: »

I'm sure in the end I will do, but today has just been about people knocking my confidence - it's difficult enough to deal with this time of year if you're on your own, but when people stick the boot in, it makes it even more difficult.

I'll end up being ok if the telly is alright and I get stuck into a good book before tomorrow afternoon!

And don't forget to get one down ya too - it helps but not if you are driving of course..;)

di3004

trini wrote: »

Hello everyone,

Quick message for Di re converting to interest only. I would hope all companies work the same as the one I work for when it comes to this but they probably don't!!

Customer would call to request conversion to interest only payments (so not paying anything of actual balance) and state reason why eg financial difficulty.

This would be referred to u/w to look into (I have never yet seen a decline enev on products with secured and unsecured lending so over 100% LTV). U/w will agree for either 6 or 12 months (you would then need to re request)

A reason why form and quote would be sent to you to confirm your reason for conversion and for signatures on quote. Return this and account converted to interest only (we will not convert any unsecured lending though).

£75 will be added to balance of account for fee for conversion.

We then write to you at end of 6/12 month period with quote on repayment basis and confirm we will convert account os of x date (again another £75 fee!!!)

The only way your credit report would be affected is if you didn't make full payment due to account or if you made no payments at all and this is only after 3 months. However, other companies might be different.

Hope this might be of some help.

Also wanted to say thanks for everyone's help for me in the past few weeks it's good to have somewhere to ask questions and not have to ring a call centre where you (or I) sometimes feel like the person on the phone doesn't care or doesn't know what they are talking about.

Wow thank you Trini for checking this out for me, your wonderful thanks so much.:T :A .
Will show hubby this later.:D .

We are here for you as always.:A xx

di3004

I would like to wish everyone a "Very Merry Christmas" & a wonderful new year !:beer:

You have all been a fantastic lot on here, where I would like to say a BIG THANK YOU to Marshallka, who have kept me going with my claims, Marshallka is a fighter and I believe if we are all like her, we have a strong chance of getting through our claims etc.
So thank you Marshallka and also to Maxdp, would name more but it will take me all night lol :T :beer: .

Keep fighting folks, you will get there if you do !:A

Di
xxxxxxx

di3004

Forgot to say earlier, still not ppi document from HFC/Endeavour .

I know its my right to have this but is there a way I can make them post this to me ??:rolleyes:

pinknico

HAPPY CHRISTMAS TO YOU ALL!:heartsmil
HOPE YOU HAVE A LOVELY DAY:smileyhea
:santa2: Special love and best wishes to Di, Marshallka, Maxdp, Dreamer 33 and Bathgatebuyer, who make a stay at home Mums life a lot less lonely.xxx

di3004

pinknico wrote: »

HAPPY CHRISTMAS TO YOU ALL!:heartsmil
HOPE YOU HAVE A LOVELY DAY:smileyhea
:santa2: Special love and best wishes to Di, Marshallka, Maxdp, Dreamer 33 and Bathgatebuyer, who make a stay at home Mums life a lot less lonely.xxx

And the same to you as well PINKNICO :beer:

Thanks for your help here too, its much appreciated by all.:T :A .

Di
xxxxxxx

marshallka

di3004 wrote: »

I would like to wish everyone a "Very Merry Christmas" & a wonderful new year !:beer:

You have all been a fantastic lot on here, where I would like to say a BIG THANK YOU to Marshallka, who have kept me going with my claims, Marshallka is a fighter and I believe if we are all like her, we have a strong chance of getting through our claims etc.
So thank you Marshallka and also to Maxdp, would name more but it will take me all night lol :T :beer: .

Keep fighting folks, you will get there if you do !:A

Di
xxxxxxx

Arr Di, you have had me in tears... I wish you a very happy christmas and lets hope we all win next year... We will continue the fight but again I could not do it without you too.

xxx

marshallka

pinknico wrote: »

HAPPY CHRISTMAS TO YOU ALL!:heartsmil
HOPE YOU HAVE A LOVELY DAY:smileyhea
:santa2: Special love and best wishes to Di, Marshallka, Maxdp, Dreamer 33 and Bathgatebuyer, who make a stay at home Mums life a lot less lonely.xxx

We are all stay at home mums and it is a lonely place to be. I just wish we could all go out and have a drink together for real but as that is not possible then :beer: . we will have to have a cyber one....:beer: :j

trini

di3004 wrote: »

Wow thank you Trini for checking this out for me, your wonderful thanks so much.:T :A .
Will show hubby this later.:D .

We are here for you as always.:A xx

I didn't have to do anything I work with it everyday it's something I have to know unfortunately but not a problem anytime I can help

bathgatebuyer

marshallka wrote: »

And don't forget to get one down ya too - it helps but not if you are driving of course..;)

Wish I could - I'm not a drinker hence the 'miserable sod' comments from folk at work. Ended up just telling them it's because of the medication I've been given which is true. Of course, they'll now all be sat there going, "Wonder what medication she's on" but that's gossips for you :rolleyes:

Hope everyone has a good Xmas - I'm going off to my bed shortly and sleeping through till Boxing Day!