PPI Reclaiming discussion Part III

di3004

Dreamer

Good luck with everything hun, so things are looking up then?:D :T :j , good its about time you had some luck, fingers crossed for you hunni.:D xx

dreamer33

dancingphil wrote: »

dreamer33 wrote: »

You're such a tripper, but I do love to see somone happy and excited

Believe me its been one long and hard fight with Freedom Finance. :j

I was so excited I feel really sick now :eek:

dreamer33

Just popping out with the doggie he is starting to eat my plants lol

di3004

bannisterbadback wrote: »

Hi folks, Happy New Year to all!!!

i'm relatively new to these boards, have posted before, and have a claim with HSBC and if ayone could offer any advice i would be very grateful.

When i took out my £4500 loan (interest is about 14.9% or 15.9) with HSBC they told me i couldnt get the money without taking out the insurance where if anything happened to me, the loan would be paid off. this took the total amount to about £7800, which i thought was way too much but took out the loan anyway as i needed to buy a car.

i sent off the MSE template letter around two months ago and have had two responses since. the first was a week (ish) after i sent out my letter and said they were sorry that i felt the need to complain and were going to look into my case and asked to allow them 4 weeks to do so.

I then received a second letter on the 5th of december saying they were sorry for the delay and stating that their investigations were not yet complete and asked for 4 weeks to finish their investigation.

i am now wondering what my next step is, should i wait for more correspondence or send them template number two? any advice is massively appreciated!

Thanks very much!!!

Hi there

You are entitled to take your complaint to the financial ombudsman service if the 8 weeks have gone by, some companies use these extra times for stalling tactics.

To complain to the FOS you can either download a complaint form from their site, or ring them in order for them to send you one in the post.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Has the company suggested the FOS to you yet hun?

If you decide to want to now complain to the FOS, I would also write to finance company and enclose a copy of your complaint form, tell them you feel you have waited too long for this investigation to complete and have enclosed a copy of the complaint form sent to the Financial ombudsman service, this way they can still reconsider and it has been known to nudge them on a bit with a successful response, hopefully it may be the same for you as well, but to me if the 8 weeks have gone by and you have already given them extra time, then enough is enough.

Enclose all copies of correspondence with the complaint form for the FOS.

Good luck and if you require further help here just give us a yell, please keep us posted, cheers.;)

Di
x

boo34

hi its been 9weeks today since i sent of the first letter about ppi miss sold to my oh,i rang the rbs today to see how its going only to be told its going to take a nother 2weeks for the lady sorting it to get paper work back from the calculations team(they have had 3weeks), that takes it to the 19th jan. then onother week for her to send out letter to us .what shall i do is there any way i can get them to shift it or are they fobbing me of,help please its doing me head in.i dont no what to do next.thank you.

maxdp

di3004 wrote: »

Hi everyone

Hope all are well.

Having a tea break, been dealing with Daniel and his work since 8am, he was ready and waiting at 7am this morning......:eek: , he has all brand new exercise books and couldn't wait to use them lol.....:D .

Anyway, just to let you know the sickness claim is accepted as from October, but not just because of the depression but due to hubby's neck/shoulder problem where he was frequently back and forth for physio, as that was also noted on the doctor's disc, the back condition would not cover him as that one is pre-existing, but still cannot grumble and now its switched to unemployment as from 5 Dec 2008.

So thought I would let you know as this one was the one we were waiting to hear about.;)

Hope all are well, will read over the posts again later when I have more time.

Hope Marshallka is feeling better today.:A

Glad that is sorted for you Di, must help matters a bit. Glad Daniel is enthusiastic about his schooling, mine would be a nightmare to teach at home:eek:

di3004

dreamer33 wrote: »

Just popping out with the doggie he is starting to eat my plants lol

Oh dear.......:o lol x

maxdp

dreamer33 wrote: »

Maxdp do you have facebook, I have if you would like mine.

Hi Dreamer

Only just will pm you.:D

di3004

boo34 wrote: »

hi its been 9weeks today since i sent of the first letter about ppi miss sold to my oh,i rang the rbs today to see how its going only to be told its going to take a nother 2weeks for the lady sorting it to get paper work back from the calculations team(they have had 3weeks), that takes it to the 19th jan. then onother week for her to send out letter to us .what shall i do is there any way i can get them to shift it or are they fobbing me of,help please its doing me head in.i dont no what to do next.thank you.

I would tell them they have had their 8 weeks they are entitled to but that have passed, but are willing to wait another 7 days, if you have not heard, this will leave you no option but to complain to the Financial ombudsman service for them to investigate this for you.

The FOS link here to download a form or you can ring them for a copy
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Hope they sort this out for you hun soon, any more problems just give us a yell anytime.;)
Di
x

di3004

maxdp wrote: »

Glad that is sorted for you Di, must help matters a bit. Glad Daniel is enthusiastic about his schooling, mine would be a nightmare to teach at home:eek:

Yes he is very enthusiastic, and he had to get me out of bed.....:eek: lol.

He is reading to hubby right now, and wow his reading is amazing.;)

One of my sisters said the same, she said her son would not like it and she would never get him to sit down to learn.......:rolleyes: , he is a bright lad but does not use it if you know what I mean.....:rolleyes: .