PPI Reclaiming discussion Part III

marshallka

dbk85 wrote: »

Just an quick update on my claim for 2 policies with Lombard Direct. I sent my complaint in October explaining the policies were missold (the policies were never explained to me and I did not know I had them until I looked at my paperwork). Both loan applications were processed via telephone. I had the standard letter saying please can I complete a questionnaine which I returned to them uncompleted saying they should already have this information if the policies had been sold correctly. Anyway the last letter I received from them was at end of November saying sorry but they are still looking into my complaint, and need more time (they was meant to give me a final response by the start of December) I am just wondering whether this is normal that they have not sent their final response. I mean, if they was going to say no, would they have let me know by now. I know I can complain to the FOS but I was just hoping they may have contacted me in December, which they have not. Anyway I am going to call them on Monday anyway for an update on the status of my complaint. Is a nicey nicey approach worth a go to the person dealing with my complaint or not. I'm thinking is the advisor really going to be bothered if I start saying to him on the phone I'm going to be taking this to the FOS? Don't get me wrong, I will submit my complaint if I dont receive another response within say a few more weeks and I will advise the bank I am going to be doing this in writing. Any advice appreciated. Many thanks.

I would only give them another week or so and then take this to the FOS anyway. You have nothing to lose there as there is a waiting list anyway and also it might shift them inot giving you a final.

Good Luck

marshallka

pinknico wrote: »

Hello 10past6,When you say "they" do you mean the company?

Hi Pinknico, happy new year...:beer:

wj209980

Okay, so I sent my first letter to Egg a few days ago, and this was based on the template on this site. I believe I was mis-sold PPI on my loan in September 2004 becuase the salesperson only quoted repayments inclusive of PPI, and no other options were discussed.

Anyway, this morning I got back a letter from egg. The letter stated thw following:

Dear xxxxxxxx

I'm sorry that you have had to complain to us. Can I ask that you please ensure your contact details are up to date by logging into your account via the website and checking the information we are holding for you.

Our regulator, the FSA, requires that if we are unable to resolve your complaint to your satisfaction within eight weeks of receipt, we must contact you again and explain why. You can then (or sooner if you do not accept our earlier resolution) exercise your right to take your complaint to the Financial Ombudsman Service. You have six months from the date of our resolution to do this.

In the vast majority of cases we resolve problems a lot quicker than thtis, be will keep in contact with you if we anticipate any delays or have any more information we need from you to help us resolve this complaint with you.

Thank you for letting us know about your problems you have experiences and for the opporunity to put things right.



So does it look like this is a good sign or a bad sign? Or is it purely a 100% standardised letter that I would have received irrespective of whether there is any intention to repay the PPI?

booi666

Thanks di for the link,i will have a close look at this,

Im quite sure that if i start this process hfc will tell me if the ppi was missold or not,but its got to be worth a shot and i will let people know how i get on.

Thank you

maxdp

wj209980 wrote: »

Okay, so I sent my first letter to Egg a few days ago, and this was based on the template on this site. I believe I was mis-sold PPI on my loan in September 2004 becuase the salesperson only quoted repayments inclusive of PPI, and no other options were discussed.

Anyway, this morning I got back a letter from egg. The letter stated thw following:

Dear xxxxxxxx

I'm sorry that you have had to complain to us. Can I ask that you please ensure your contact details are up to date by logging into your account via the website and checking the information we are holding for you.

Our regulator, the FSA, requires that if we are unable to resolve your complaint to your satisfaction within eight weeks of receipt, we must contact you again and explain why. You can then (or sooner if you do not accept our earlier resolution) exercise your right to take your complaint to the Financial Ombudsman Service. You have six months from the date of our resolution to do this.

In the vast majority of cases we resolve problems a lot quicker than thtis, be will keep in contact with you if we anticipate any delays or have any more information we need from you to help us resolve this complaint with you.

Thank you for letting us know about your problems you have experiences and for the opporunity to put things right.



So does it look like this is a good sign or a bad sign? Or is it purely a 100% standardised letter that I would have received irrespective of whether there is any intention to repay the PPI?

Hi There

Standard type of letter. Await further correspondence. Good Luck:D

booi666

Hi there,
just a quickie,
Should i phone them 1st or just hit them with the 1st letter?????????

di3004

Hi everyone.

Sorry I missed you last night Marshallka, wow you have been busy hunni....:eek: , just think it will all be worth it in the end.;) :A .
xxx

di3004

booi666 wrote: »

Hi there,
just a quickie,
Should i phone them 1st or just hit them with the 1st letter?????????

Hiya hun, just signed in a few mins ago, sorry if I missed any of your posts.

I would keep everything in writing and keep copies for yourself and always post by recorded delivery, for your proof.;)

Good luck.

Di
x

di3004

Principals for Endeavour Personal Finance


403514 - Endeavour Personal Finance Limited
Pinnacle Insurance Plc



Hamilton Insurance Company Limited

Hamilton Life Assurance Company Limited

HFC Bank Limited

HFC Bank Limited

hayjamdan

hi guys wrote to capital one about policy been mis-sold as i do not recall ticking and signing for ppi got back a response today saying that questions are asked to determine eligibility for ppi products during the telephone call they say they have procedures in place to monitor the sale of ythe ppi over the telephone i ddont remember any telephone call. they said if i have any further questions am to write back to them within 4 weeks wat do u think of this i have already requested a sar so hopefully i will get that conversation they claim i had with them in the sar