PPI Reclaiming discussion Part III

di3004

lalina wrote: »

Hi there,

I just rang up A & L about a separte issue to do with my savings accoutn which they sorted but then the customer service rep asked if I wanted to get a better interest rate on the loan I took out with them. I said I was currently in dispute with A & L about this and left ti at that. she sounded very well versed and didn;t want to gte into it further with her as it's recorded. Shoudl i call back and negotiate a lower inetrest rate on the loan??? Or will effect my claim? thanks again you atre ALL so helpful I love this forum :j

Hi lalina

Personally if that were me I would leave it there, while in dispute,(but that is me) and then it may still be okay to do this as its a separate issue x

See what the others have to say about this if you want to as I would not want you to take my word for it here.

Good luck.;)

Di
x

maxdp

marshallka wrote: »

He was literally on his death bed and had no energy and they had been together 32 years and he sat up like he had a burst of energy and said "Jan I love you" and then lay down and difted away. It was perhaps the sadest time of our lives. We were so close then.

Oh Marshallka That is lovely that he did that. I know it is a sad moment for you but what a lovely last thought to hold.:A

di3004

maxdp wrote: »

Oh Marshallka That is lovely that he did that. I know it is a sad moment for you but what a lovely last thought to hold.:A

This had brought me a tear in my eye and a lump in my throat, but I agree with you Maxdp, as a last thought and memory of this, its very sweet.:A xx

Seb_D

Seb_D wrote: »

Thanks' , that's put my mind at rest a bit.

I will let you know how i get on in 8 weeks time :rolleyes: .

Thanks again, Seb'.

Hello again, the Alliance and Leicester have replied to my first letter and have agreed to refund the full amount of PPI plus interest :T .

I've got to say i'm extremely surprised as i was expecting a long wait for any compensation, I've only had to wait 2 weeks though:D

Good luck to anyone still trying .

Lets hope Egg can come through with the goods as well:cool:

Seb'.

di3004

Seb_D wrote: »

Hello again, the Alliance and Leicester have replied to my first letter and have agreed to refund the full amount of PPI plus interest :T .

I've got to say i'm extremely surprised as i was expecting a long wait for any compensation, I've only had to wait 2 weeks though:D

Lets hope Egg can come through with the goods as well:cool:

Seb'.

Whippeeeeeeeee, well done Seb :T :beer: , great news this for you :T .
Congratulations and don't forget to post on the success thread if you've not done so already.;) Or when you actually receive the payment then.:D

Di
x

booi666

lalina wrote: »

Hi there,

as it's recorded. :j

Hi all,
Quote me if im wrong but arn't they supposed to inform you its being recorded and ask if your ok with it?

And di,
Sent my sars off yesterday,ive checked and it got to their HQ this morn so here goes a bumpy ride:beer:

di3004

booi666 wrote: »

Hi all,
Quote me if im wrong but arn't they supposed to inform you its being recorded and ask if your ok with it?

And di,
Sent my sars off yesterday,ive checked and it got to their HQ this morn so here goes a bumpy ride:beer:

Hi hun
Yes your so right.....:T , they are supposed to mention this before speaking to you.;)

Well done Booi666, for making a start.:T ,Count your 40 days as from today;) keep us posted hunni. xx

deborah46

showergirl wrote: »

Has your case been passed over to someone else or is it still with your case worker. My case worker is Mr Chris Williams, but has been passed over to a Mr Glynn Rixom. I don't know if this is good news or bad. My deadline was up yesterday, and I will ring them on Wednesday to see what is happening. Will keep in touch to let you know how I get on

Hi Showergirl,
fiistly my complaint was sent to Glasgow and i had a case officer called Alice Lyndness, she then passed this to the team in Birmingham and i was appointed Chris monosyllabic!!!lol he is so unhelpful and when i called yesterday he told me to go to the fos, so im guessing the letter landing on my doorstep this week is a big fat NO......time for a fight
Will let you know of any progress

di3004

deborah46 wrote: »

Hi Showergirl,
fiistly my complaint was sent to Glasgow and i had a case officer called Alice Lyndness, she then passed this to the team in Birmingham and i was appointed Chris monosyllabic!!!lol he is so unhelpful and when i called yesterday he told me to go to the fos, so im guessing the letter landing on my doorstep this week is a big fat NO......time for a fight
Will let you know of any progress

Hi Deborah
Thanks for posting this for Showergirl, I am sure she will appreciate this very much hun.:T

Good luck with yours as well hunni.;)

Di
x

PaulHesel

Hi

We took out a loan with the RBS a few years ago but refinanced a new loan in 2006 to consolidate new debts. On both loans we had PPI as we did not know it was optional and it was never discussed that it was optional.
We decised to call them last week to ask how much of the loan was PPI as, like most people, we wanted less outgoings. As I was covered and I am least likely to be made redundant etc I thought it would be easier to cancel PPI. Found out it was £81 a month but was told by RBS that it was my wife being covered and not me, which was strange as I am always covered on any finance as my wife has an illness that she struggles to get insurance for.
Anyway, we are waiting for the RBS to come back to us in the morning as they are referring it as a complaint and the 'supervisor' is assessing.
We may get a yes or no in the morning as regards mis selling, but if we can can we claim PPI on the previous loan too.
We certainly thought it was compulsory and only found out it wasn't on this website. We will be paying back £38,000.00 with loan and PPI so I am a bit peeved that this was not discussed at both loan discussions with bank.
Any advise would be great.