PPI Reclaiming discussion Part III

Silverbird

di3004 wrote: »

Hi Silverbird.;)

This is an option you have hun, you could now fill out a form which you can either download from the FOS site here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
Or ring them for an hardcopy through the post, but remember to also send a copy to A&L and inform them "I have now taken this investigation to the Financial ombudsman service in order for them to investigate, where I enclose a copy of the complaint form for your records".
This way A&L may still reconsider and hopefully they this will then go in your favour, for some this has worked, but still post to the FOS as well with copies of any correspondence.

Its up to you hun, but like I said it could even push them on a bit more.;)

Good luck, please let us know how you get on, cheers.

Di
x

Excellent! Thank you, Di! I will let you all know how I get on.

di3004

Silverbird wrote: »

Excellent! Thank you, Di! I will let you all know how I get on.

Not a problem, your most welcome.;) :A

Yes please let us how you get on, hopefully they will deal with this promptly and pay out very soon.;)

Di
xx

Toffee_Penny

Hello again!

Got a response letter sorted out for Monument regarding ppi claim, seems our letter was standard response so nothing to worry about. Still going ahead with my letter asking for proof of telephone conversation, be very surprised if they come up with details of that :rolleyes:

Barclaycard replied today, OH ticked box on application form in 2004, they have the it and will send a copy to us within 4 weeks. Also it's OH fault as he should have read the policy and decided if he was suitable and cancelled within cooling off period of 30 days. This is their final response (after just 1 letter???)

So what do I do? I still think we should fight it as OH can't remember whether or not he ticked the box on the application form from 4 years ago, plus how do we know that the tick on the box is his anyway? :rolleyes: Have read in Barclaycard policy that self employed is covered but only if business ceased to trade and Accountants or Tax Office provides proof business has gone bust.

Do we still have a case? I do but not sure how to go about this as mis-selling e.g exclusions in policy even though they knew he was self employed.

I just feel this is going to be the case with all the creditors due to the sheer number of people trying to reclaim, I know they will try to fob us off but it's only due to reading up and learning about the new ppi regulations that started all this off by investigating our own accounts.

10past6

:eek: 6000+ posts :eek:

How does one prove they've been mis sold PPI on a personal loan?

pinknico

10past6 wrote: »

:eek: 6000+ posts :eek:

How does one prove they've been mis sold PPI on a personal loan?

You send the company who sold you the PPI an SAR request and enclose £10. They should then send you all the information they hold on you and the loan and PPI.

How were you mis sold?

maxdp

pinknico wrote: »

You send the company who sold you the PPI an SAR request and enclose £10. They should then send you all the information they hold on you and the loan and PPI.

How were you mis sold?

Hi Pinknico

How are you doing. Are you celebrating tonight or quiet night at home?:D

pinknico

maxdp wrote: »

Hi Pinknico

How are you doing. Are you celebrating tonight or quiet night at home?:D

Hello Max hope you are well xxJust quietly at home! What about you?

Just had a PHONE CALL from the FOS !! It was my adjudicator(!) for my redcats complaint regarding no credit agreement and trying to default me even though I didnt stop paying! I have no idea what will happen with this and not bothered either way but I didnt expect the adjudicator to ring and introduce herself and say she will look at the case next week.:D

maxdp

pinknico wrote: »

Hello Max hope you are well xxJust quietly at home! What about you?

Just had a PHONE CALL from the FOS !! It was my adjudicator(!) for my redcats complaint regarding no credit agreement and trying to default me even though I didnt stop paying! I have no idea what will happen with this and not bothered either way but I didnt expect the adjudicator to ring and introduce herself and say she will look at the case next week.:D

No Quiet night in I think am worn out by all the festivities. All our friends have now got young family so it is difficult to get together as we would have done before. Will probably record the New Year on tele and watch it tomorrow:rotfl:

Well look at you getting special treatment re Redcats;) Lets hope that is sorted out quickly.

maxdp

Toffee_Penny wrote: »

Hello again!

Got a response letter sorted out for Monument regarding ppi claim, seems our letter was standard response so nothing to worry about. Still going ahead with my letter asking for proof of telephone conversation, be very surprised if they come up with details of that :rolleyes:

Barclaycard replied today, OH ticked box on application form in 2004, they have the it and will send a copy to us within 4 weeks. Also it's OH fault as he should have read the policy and decided if he was suitable and cancelled within cooling off period of 30 days. This is their final response (after just 1 letter???)

So what do I do? I still think we should fight it as OH can't remember whether or not he ticked the box on the application form from 4 years ago, plus how do we know that the tick on the box is his anyway? :rolleyes: Have read in Barclaycard policy that self employed is covered but only if business ceased to trade and Accountants or Tax Office provides proof business has gone bust.

Do we still have a case? I do but not sure how to go about this as mis-selling e.g exclusions in policy even though they knew he was self employed.

I just feel this is going to be the case with all the creditors due to the sheer number of people trying to reclaim, I know they will try to fob us off but it's only due to reading up and learning about the new ppi regulations that started all this off by investigating our own accounts.

Hi Toffee Penny

Just to say I have claimed, for a friend credit card PPI back on an A and L (MBNA) that was ticked for PPI and had was self employed. This went to FOS but before it was assigned to an Adjudicator A and L wrote and said they would settle got back all charges plus interest cumulative which was a nice surprise.

I would still go ahead with it. Wait until you see the original documentation. It may not cover you. They cannot hide behind their paperwork.

Let us know when you see the agreement.:D

Just looked at CC agreement I have here which am claiming back for somebody and you have to OPT OUT of the PPI with Barclaycard so yours may be the same. Good Luck

covlass

Just a quick ?
How long after recieving an letter saying they have recieved my claim should I wait before sending next letter?