PPI Reclaiming discussion Part III

di3004

doingmybest wrote: »

I've been contacted by an adjudicator for my Barclays claim. He says that he has written to them for more info and will be contacting me shortly. So heres hoping that it all goes to plan and comes to an end asap. happy new year to everyone.

Good luck to you then hun, lets hope its all good news for 2009 for you.;)

Please let us know the outcome of this, cheers.:D

And a very Happy New Year to you.:beer:

Di
x

marshallka

di3004 wrote: »

Hi there hun

Sorry to hear of all your problems.

Insurance should be optional for any finance.

Please could you confirm when you had taken this out?

I would check out all you have if you still have the agreements for your loans/credit cards etc, and if you still have the terms and conds for these.

If not you can always request a SAR, known as a Subject access request where they will supply everything they have on you.
They have 40 days to comply and as always post by recorded delivery for your proof of posting and to keep a check on the 40 days timescale they have.

However there is a £40 charge for this either by cheque or postal order.

If you want the SAR template for this one of us will post up for you, I will post up shortly in another post when I come across it.;)

Now in reclaiming, check this out here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

There is some useful PPI info which will give you more of an idea of how people were/are mis sold, they have 8 weeks to respond in full, again post by recorded delivery.
There is also a template letter you can use to help guide you but add your own reasons and as much info as possible to back your complaint.

Let us know how you get on in case further letters have to be sent if not successful first time round, or until they give the final response and mention the financial ombudsman service (FOS).

Good luck.;)

Di
x

Di, its a £10 charge, not £40:eek:

and also if the poster is saying that they were missold for the reasons of that he/she was not told to make claims on them when they became incapacitated then that would not be a good enough reason. Also if at the time of taking them they were elegible to claim maybe the claims can be backdated and this would be a better option. Just a thought... .

di3004

marshallka wrote: »

Di, its a £10 charge, not £40:eek:

and also if the poster is saying that they were missold for the reasons of that he/she was not told to make claims on them when they became incapacitated then that would not be a good enough reason. Also if at the time of taking them they were elegible to claim maybe the claims can be backdated and this would be a better option. Just a thought... .

Yikes however did I get that wrong oops.......:o

Sorry Pacemaker, my error......:o , I expect you figured that out by now , sorry hun and yes its £10 not that of £40........:eek: . Just edited and corrected it now xx

Cheers Marshallka for correcting me again lol.:o

marshallka

Di, aren't you enjoying your wedding anniversary... .

Have you got a party going on or friends coming around..;)

Have a good one Di... I am sure you will. I am going to get a drink down me later. Its been so long since I have and I may just join in a bit. I feel like I need one after these last couple of days...I will have one for/with you:D

marshallka

Maxdp, pm ya, (not emailed as could not be bothered to open outlook!!!:eek: )

Gone offline now....!!!

di3004

marshallka wrote: »

Di, aren't you enjoying your wedding anniversary... .

Have you got a party going on or friends coming around..;)

Have a good one Di... I am sure you will. I am going to get a drink down me later. Its been so long since I have and I may just join in a bit. I feel like I need one after these last couple of days...I will have one for/with you:D

Not doing too much this year hun, but next year we will be having a party, it will be 10 years next year, but been with him for 16 years in total, because my eldest was then just 4 years old , tummy not all that good so no booze for me...... , well maybe a small glass of baileys at 12 as we have 2 loud fireworks going off as well, a prezzie from a guy who does the huge displays as we have known him for a long long time, he says its an anniversary prezzie.......:D :j .

Good for you having a drink, I dare-say you deserve this so much :beer: , well done.:T And enjoy, yes please have one for me or with me lol:beer:

di3004

Lol, my mate posted a few funny emails, as its New year, I will post them here, I can always delete later if told to lol......:D

FLORIDA OR THE
MOON

Two blondes living in Oklahoma were sitting on a bench talking, and
One blonde says to the other, 'Which do you think is farther away...
Florida or the moon?' The other blonde turns and says 'Helloooooooooo, can you see Florida ?????'

CAR
TROUBLE

A blonde pushes her BMW into a gas station. She tells the
Mechanic it died. After he works on it for a few minutes, it is idling smoothly.

She says, 'What's the story?'

He replies, 'Just crap in the carburetor'

She asks, 'How often do I have to do that?'

SPEEDING
TICKET

A police officer stops a blonde for speeding and asks her very nicely if he could see her license.

She replied in a huff, 'I wish you guys would get your act together.
Just yesterday you take away my license and then today you expect me to show it to you!'

RIVER
WALK

There's this blonde out for a walk. She comes to a river and sees another blonde on the opposite bank 'Yoo-hoo!' she shouts, 'How can I get to the other side?'

The second blonde looks up the river then d own the river and shouts back, 'You ARE on the other side.'

AT THE DOCTOR'S OFFICE

A gorgeous young redhead goes into the doctor's office and said that her body hurt wherever she touched it.

'Impossible!' says the doctor. 'Show me.'

The redhead took her finger, pushed on her left shoulder and screamed, then she pushed her elbow and screamed even more. She pushed her knee and screamed; likewise she pushed her ankle and screamed. Everywhere she touched made her scream.

The doctor said, 'You're not really a redhead, are you?

'Well, no' she said, 'I'm actually a blonde.'

'I thought so,' the doctor said, 'Your finger is broken.'

KNITTING

A highway patrolman pulled alongside a speeding car on the freeway. Glancing at the car, he was astounded to see that the blonde behind the wheel was knitting!

Realizing that she was oblivious to his flashing lights and siren, the trooper cranked down his window, turned on his bullhorn and yelled, 'PULL OVER!'

'NO!' the blonde yelled back, 'IT'S A SCARF!'

BLONDE
ON THE SUN

A Russian, an American, and a Blonde were talking one day.

The Russian said, 'We were the first in space!'

The American said, 'We were the first on the moon!'

The Blonde said, 'So what? We're going to be the first on the sun!' The Russian and the American looked at each other and shook their heads.

'You can't land on the sun, you idiot! You'll burn up!' said the Russian.

To which the Blonde replied, 'We're not stupid, you know. We're going at night!'

IN A
VACUUM

A blonde was playing Trivial Pursuit one night.. It was her turn. She rolled the dice and she landed on Science & Nature. Her question was, 'If you are in a vacuum and someone calls your name, can you hear it?' She thought for a time and then asked, 'Is it on or off?'

FINALLY,
THE BLONDE JOKE TO END ALL BLONDE JOKES!

A girl was visiting her blonde friend, who had acquired two new dogs, and asked her what their names were. The blonde responded by saying that one was named Rolex and one was named Timex. Her friend said, 'Whoever heard of someone naming dogs like that?' 'HELLLOOOOOOO......,' answered the blonde. 'They're watch dogs

di3004

Marshallka did you notice my post about Hamilton earlier hun?

These were the details I was waiting for from hfc/Endeavour.;)

marshallka

di3004 wrote: »

Lol, my mate posted a few funny emails, as its New year, I will post them here, I can always delete later if told to lol......:D

FLORIDA OR THE

MOON

Two blondes living in Oklahoma were sitting on a bench talking, and
One blonde says to the other, 'Which do you think is farther away...
Florida or the moon?' The other blonde turns and says 'Helloooooooooo, can you see Florida ?????'

CAR

TROUBLE

A blonde pushes her BMW into a gas station. She tells the
Mechanic it died. After he works on it for a few minutes, it is idling smoothly.
She says, 'What's the story?'
He replies, 'Just crap in the carburetor'

She asks, 'How often do I have to do that?'

SPEEDING
TICKET
A police officer stops a blonde for speeding and asks her very nicely if he could see her license.
She replied in a huff, 'I wish you guys would get your act together.
Just yesterday you take away my license and then today you expect me to show it to you!'
RIVER
WALK
There's this blonde out for a walk. She comes to a river and sees another blonde on the opposite bank 'Yoo-hoo!' she shouts, 'How can I get to the other side?'
The second blonde looks up the river then d own the river and shouts back, 'You ARE on the other side.'
AT THE DOCTOR'S OFFICE
A gorgeous young redhead goes into the doctor's office and said that her body hurt wherever she touched it.
'Impossible!' says the doctor. 'Show me.'
The redhead took her finger, pushed on her left shoulder and screamed, then she pushed her elbow and screamed even more. She pushed her knee and screamed; likewise she pushed her ankle and screamed. Everywhere she touched made her scream.
The doctor said, 'You're not really a redhead, are you?
'Well, no' she said, 'I'm actually a blonde.'
'I thought so,' the doctor said, 'Your finger is broken.'
KNITTING

A highway patrolman pulled alongside a speeding car on the freeway. Glancing at the car, he was astounded to see that the blonde behind the wheel was knitting!
Realizing that she was oblivious to his flashing lights and siren, the trooper cranked down his window, turned on his bullhorn and yelled, 'PULL OVER!'
'NO!' the blonde yelled back, 'IT'S A SCARF!'
BLONDE
ON THE SUN
A Russian, an American, and a Blonde were talking one day.
The Russian said, 'We were the first in space!'
The American said, 'We were the first on the moon!'
The Blonde said, 'So what? We're going to be the first on the sun!' The Russian and the American looked at each other and shook their heads.
'You can't land on the sun, you idiot! You'll burn up!' said the Russian.
To which the Blonde replied, 'We're not stupid, you know. We're going at night!'
IN A
VACUUM
A blonde was playing Trivial Pursuit one night.. It was her turn. She rolled the dice and she landed on Science & Nature. Her question was, 'If you are in a vacuum and someone calls your name, can you hear it?' She thought for a time and then asked, 'Is it on or off?'
FINALLY,
THE BLONDE JOKE TO END ALL BLONDE JOKES!

A girl was visiting her blonde friend, who had acquired two new dogs, and asked her what their names were. The blonde responded by saying that one was named Rolex and one was named Timex. Her friend said, 'Whoever heard of someone naming dogs like that?' 'HELLLOOOOOOO......,' answered the blonde. 'They're watch dogs

PMSL...:rotfl: :rotfl:

marshallka

di3004 wrote: »

Not doing too much this year hun, but next year we will be having a party, it will be 10 years next year, but been with him for 16 years in total, because my eldest was then just 4 years old , tummy not all that good so no booze for me...... , well maybe a small glass of baileys at 12 as we have 2 loud fireworks going off as well, a prezzie from a guy who does the huge displays as we have known him for a long long time, he says its an anniversary prezzie.......:D :j .

Good for you having a drink, I dare-say you deserve this so much :beer: , well done.:T And enjoy, yes please have one for me or with me lol:beer:

So the eldest was only 4 then. I thought then that you had both before Dai... .