PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Corinne

If they have suggested the Financial ombudsman service on the response you received, you should be able to complain to them, if you want to check this out like what Marshallka said you can ring them who will be able to confirm this to you and of course they will send the form out the same time.;)
http://www.financial-ombudsman.org.uk/contact/index.html

Ohh sorry Di, you have already answered.

di3004

marshallka wrote: »

Ohh sorry Di, you have already answered.

lol that's okay.:A .

Right hubby and Daniel have returned home now from the library,he went to the job centre the same time, he has some forms as well, cool....:D gonna get the kettle on and get some work done with Dan the little man lol.:D
Catch you later. xxx

dreamer33

Hello everyone

Well no biopsie today thank the lord, she said everything looks ok just got to wait 2-6weeks now. Funny my nerves went before I got there lol.

But I feel guilty because she is really nice and asked if I had a good xmas didn't even ask her that question.:o Think my mind was pre-occupied

leon123

Hi all,

Can you please tell me if I am entitled to reclaim ppi?

After reading "Had you had medical problems in the past?"
On applying for the loan with PPI i was not asked for any medical history.
I am concerned that I may not be covered by PPI due to a medical condition I had 16 years ago.

I had to declare this medical condition on my life insurance.

Your advice would be much appreciated.

Leon

di3004

dreamer33 wrote: »

Hello everyone

Well no biopsie today thank the lord, she said everything looks ok just got to wait 2-6weeks now. Funny my nerves went before I got there lol.

But I feel guilty because she is really nice and asked if I had a good xmas didn't even ask her that question.:o Think my mind was pre-occupied

Hiya dreamer
Thanks for letting us know hunni, and glad everything went okay and that your nerves settled by the time you got there.;) That is normally the case.

Hun do not worry I'm sure they understand you have lots on your mind, not to think about xmas again lol.:D xx

di3004

leon123 wrote: »

Hi all,

Can you please tell me if I am entitled to reclaim ppi?

After reading "Had you had medical problems in the past?"
On applying for the loan with PPI i was not asked for any medical history.
I am concerned that I may not be covered by PPI due to a medical condition I had 16 years ago.

I had to declare this medical condition on my life insurance.

Your advice would be much appreciated.

Leon

Hi Leon

Please could you tell me who the loan was taken out with and what year, we shall take it from there, because this is at least one of the complaints.;)
Cheers.

Di

di3004

Leon

In case you miss the above post, we will have to check if the loan company were covered by a regulator, such as GISC if prior to Jan 2005 as the FSA had taken over GISC then, even if the loan company were not covered you still have every chance to reclaim your money back.

If you check this link out here below, there is some useful PPI info and a list of mis selling reasons, check them out as well and if any of them occur to you plus your reasons you have added already then add as much as possible to the complaint/reclaim letter.

There is also a template on the link to help you.

They have 8 weeks to respond in full, another letter maybe required if not successful or until you receive the final decision and then you may be eligible to take this to the Financial ombudsman service if not successful, but if you let us know when you hear we can help you step by step with your case.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Post by recorded delivery for your proof of posting and to keep a check on the 8 weeks they have, if for some reason they have not responded by the full 8 weeks then you can still continue to complain to the FOS, but if these were covered by the above regulators only.

Good luck and give us a yell anytime.;)

Di
x

bannisterbadback

di3004 wrote: »

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

Hi all,

I posted yesterday about a claim i had with the HSBC. My girlfriends just called me up to tell me i had a letter through from the bank and asked her to read it out to me. they say that whilst they don't agree with my complint they are offering me a settlement of £896 plus the re-structuring off my loan for the remaining 2 and a half years!!!! i am going to look into how much i have paid in insurance and how much i have paid off the loan. I'm absolutely over the moon!! i just want to say a huge thank you to all who post on these boards giving out advice and support to people!

Thank you all so much!!
xxx:beer: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

leon123

Thanks for the reply.

Loan provider: Northern Rock
Loan Date: 2005

Leon

di3004

bannisterbadback wrote: »

Hi all,

I posted yesterday about a claim i had with the HSBC. My girlfriends just called me up to tell me i had a letter through from the bank and asked her to read it out to me. they say that whilst they don't agree with my complint they are offering me a settlement of £896 plus the re-structuring off my loan for the remaining 2 and a half years!!!! i am going to look into how much i have paid in insurance and how much i have paid off the loan. I'm absolutely over the moon!! i just want to say a huge thank you to all who post on these boards giving out advice and support to people!

Thank you all so much!!
xxx:beer: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

Wow, well done to you.:T :beer: .

That was pretty straight forward then, great , if your happy with that outcome, then we are too, congratulations and please also post your great success over at the success thread if you not done so yet.;)

Well done :T
Di
x