PPI Reclaiming discussion Part III

pinknico

I think it is ridiculous that they cant look at policys that were mis sold just because someone forgot to regulate them:mad:

Just because they were not regulated doesn't mean they didnt do anything wrong and the FOS should be able to look at every case.

Silverbird

Hi all

I just wondered if somebody could give me a bit of advice. I sent my letter to Alliance & Leicester on 30 October. I've had a number of letters from A&L saying they apologise for the delay, but they're still looking into it.

It's 8 weeks now and I've still not had an actual response. Should I write and demand a response in 7 days before going to FOS or give them a little longer or go to the FOS? I'm at a loss as to what to do, particularly as we've had Christmas holidays in these 8 weeks etc. Should I just hang on a bit or send them a letter to chase them?

Looking forward to some advice. Thanks!

PS The claim is only for about £350 total.

maxdp

Silverbird wrote: »

Hi all

I just wondered if somebody could give me a bit of advice. I sent my letter to Alliance & Leicester on 30 October. I've had a number of letters from A&L saying they apologise for the delay, but they're still looking into it.

It's 8 weeks now and I've still not had an actual response. Should I write and demand a response in 7 days before going to FOS or give them a little longer or go to the FOS? I'm at a loss as to what to do, particularly as we've had Christmas holidays in these 8 weeks etc. Should I just hang on a bit or send them a letter to chase them?

Looking forward to some advice. Thanks!

PS The claim is only for about £350 total.

Hi Once the 8 weeks is up. Send them another letter giving them 7 days and tell them you will take it to the FOS. Reiterate your complaint. Send by registered post. Good Luck

marshallka

pinknico wrote: »

I think it is ridiculous that they cant look at policys that were mis sold just because someone forgot to regulate them:mad:

Just because they were not regulated doesn't mean they didnt do anything wrong and the FOS should be able to look at every case.

They won't though as I have found out for the last god knows how many months and tries.... It is maddening and they should have been regulated at the time.. :mad: .

marshallka

Silverbird wrote: »

Hi all

I just wondered if somebody could give me a bit of advice. I sent my letter to Alliance & Leicester on 30 October. I've had a number of letters from A&L saying they apologise for the delay, but they're still looking into it.

It's 8 weeks now and I've still not had an actual response. Should I write and demand a response in 7 days before going to FOS or give them a little longer or go to the FOS? I'm at a loss as to what to do, particularly as we've had Christmas holidays in these 8 weeks etc. Should I just hang on a bit or send them a letter to chase them?

Looking forward to some advice. Thanks!

PS The claim is only for about £350 total.

You are now free to take this to the FOS if you want and you could write to them again and tell them this. Tell FOS that its beyond your 8 weeks too and keep copies of all correspondence and also send everything recorded delivery.

maxdp

Hi All.

Hope you have got over Christmas:D Am feeling a bit more lively today;) Have had a good time but tiring. Am going to paint sons bedroom today. Am just going in there with protective suit and gloves to clear it:eek:. Got him a new flat screen t.v. in the sales. He has had his tiny little red Man Utd tv for about 8 years now and it is tiny. He will be so surprised when he gets back.

Will catch up later:j

marshallka

di3004 wrote: »

On that Credit Agreement I posted to you I have just came across their copy, mine and hubby's signature is not on this one, its identical more or less but with their signature and it states this:

YOUR RIGHT TO WITHDRAW

THIS IS A COPY OF YOUR PROPOSED CREDIT AGREEMENT WHICH IS TO BE SECURED ON LAND. IT HAS BEEN GIVEN TO YOU NOW THAT YOU MAY HAVE AT LEAST A WEEK TO CONSIDER ITS TERMS BEFORE THE ACTUAL AGREEMENT IS SENT TO YOU FOR YOUR SIGNATURE.
YOU SHOULD READ IT CAREFULLY. IF YOU DO NOT UNDERSTAND, YOU MAY NEED TO SEEK PROFESSIONAL ADVICE.
IF YOU DO NOT WANT TO GO AHEAD WITH IT YOU NEED NOT DO SO.

IF YOU DECIDE NOT TO GO AHEAD WITH THE AGREEMENT YOU SHOULD INFORM US, OR IF YOU PREFER ANY SUPPLIER OR BROKER INVOLVED IN THE NEGOTIATIONS.
YOU CAN DO THIS IN WRITING OR ORALLY FOR EXAMPLE BY TELEPHONE. IF THE AGREEMENT ARRIVES FOR SIGNATURE AND YOU HAVE DECIDED NOT TO GO AHEAD DO NOT SIGN IT.
THEN YOU WILL NOT BE BOUND BY THE AGREEMENT.

We never had the right to withdraw document 7 days before the original one from Firstplus and there was not physically enough time as I have quoted all the bank holidays of that year as it was the millenium. I have argued this so many times but they and the FOS just ignore it.

Legally we should have had this.

marshallka

maxdp wrote: »

Hi All.

Hope you have got over Christmas:D Am feeling a bit more lively today;) Have had a good time but tiring. Am going to paint sons bedroom today. Am just going in there with protective suit and gloves to clear it:eek:. Got him a new flat screen t.v. in the sales. He has had his tiny little red Man Utd tv for about 8 years now and it is tiny. He will be so surprised when he gets back.

Will catch up later:j

I love painting maxdp. Its relaxing too. Hope it turns out well and your son will be pleased... a new tv as a surprise...:cool:

Silverbird

Thank you for the responses! I really appreciate it.

I'll send them a letter telling them to respond in 7 days or I'll go to FOS.

Many thanks indeed.

di3004

Hiya all

No postie yet, saying that its far too early for this area yet.;)

Thanks for posting that Marshallka, I posted the other part of which came with the SAR last night, as I did not have that actual document at the time of the loan, it slightly differs from the agreement we had, not by much but a more on the rights to withdraw, which it did not state this on the actual copy we received when we had taken out the loan.

So as it was quiet on here last night I thought I would post it up .

Lets hope the postie brings at least some of us good news through the post.;)