PPI Reclaiming discussion Part III

robbiewilliams

masmit wrote: »

hi, robbie
blackhorse became members to the fsa in jan 05, from this date the FOS will take your complaint, if it is before it is the FLA who will deal with your complaint.
As you have not made a complaint you have to give this in writing to the companies & give them 8 weeks to respond & resolve the complaint, before you can use the FLA.
after reading the FLA response to the hunt report on the FOS, i believe they are totally one sided to there members, slating the FOS for taking sides with consumers & not giving there members fair treatment.
After my dealings with the FLA i believe they are a waste of time, & certainly do not keep to the lending code just like there members.
good look with your complaints letter's, hope you dont have the run around like i have.
hopefully i have got some where within next 8 weeks so i can advise you the best route.

Good luck with it Masmit. Going through the MP is a great idea aswell. Keep us posted

tannedsam2008

marshallka wrote: »

Then send them a reminder and tell them that you are making a complaint to the ICO. Like Dreamer says did you send this recorded delivery?? If not you may have to start again if you have no proof and if you did then get complaining to the ICO.

Have you sent a letter in for misselling yet?

Hi


Thanks, i did send it recorded delivery and have proof it was signed for. Does anyone have a template letter for the next stage?

Cheers

Sam

di3004

Hi everyone

Sorry I have not posted much, not feeling great for the last few hours _pale_ , so if I don't manage to get posting tonight you know why......:rolleyes: .

Marshallka poor you...... , good luck for tomorrow, hope they sort this out for you hunni.;) :A xxx

di3004

booi666 wrote: »

Thanks di,
But this forum is for people wanting to save money:j :j :j
I really need to find one for her that likes to spend money:rotfl:

:rotfl: :rotfl: :rotfl: you have a point here hun lmao :rotfl: :rotfl: :rotfl:

di3004

tannedsam2008 wrote: »

Hi


Thanks, i did send it recorded delivery and have proof it was signed for. Does anyone have a template letter for the next stage?

Cheers

Sam

Hi Sam

I take it you mean this one below, this is the 2nd stage letter if required and delete what does not occur to you, good luck.;)

[insert your name

and address]

[insert date]

[insert name and
address of provider]


Dear Sir or Madam,


Account number: [insert account number]

[If you have not had a response to your first letter use this section or delete]
I refer to my letter dated [insert date of first letter] in which I wrote asking for justification that the insurance sold with my [select from loan / credit card / store card] was sold fairly, reasonably and within my best interests. A copy of this letter is enclosed for your information.


To date, I have not received a response from you with regards this matter so I am writing again to request a full refund of the premiums, subsequent interest that I have paid on these premiums and the 8% statutory interest that a court would award. If I have not heard from you within 14 days I shall be taking my complaint to the Financial Ombudsman.


[If your lender denies the mis-selling of your policy use this section or delete]
I am writing in response to your letter dated [insert date of letter from your lender], with regards the insurance sold with my [select from loan / credit card / store card]. Your reference is [insert reference number of letter from your lender].

I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again. If I do not receive a more favorable response within 14 days I shall be taking my complaint to the Financial Ombudsman.

[If your lender offered a settlement but you do not think that is it enough use this section or delete]
I am writing in response to your letter dated [insert date of letter from your lender], with regards the insurance sold with my [select from loan / credit card / store card]. Your reference is [insert reference number of letter from your lender].

Although you have offered me the sum of [insert amount offered] to cover the mis-selling of my policy, I do not think this amount is enough to cover a refund of the premiums, subsequent interest that I have paid on these premiums and the 8% statutory interest that a court would award, but if you were to increase your offer to [insert amount you would be willing to accept] I would accept and consider the matter closed. If I have not heard from you within 14 days to say if you can offer this amount, I shall be taking my complaint to the Financial Ombudsman.

Yours faithfully,

[insert your signature]

[insert your name (printed)]

di3004

oscar52 wrote: »

I know the experts reside here. Would one mind looking at my thread to see if I am right with my first post or second post (it will clearer on there)

Thanks in advance.

lol "experts" I wish....:o :rotfl: .

How far back is your other posts hun?
Sorry I am not with it tonight, not feeling all that good, but I am sure one of us will check this as soon as we can for you.;) xx

di3004

sammy452 wrote: »

Thanks for all your replies, we did send them recorded delivery so have proof. Do you think we should go to ombudsman straight away or send another letter giving them some more time?

Hi hun
If the 8 weeks have gone by now like what Marshallka said you are entitled to move this on to the FOS, you can either download a form from their website or ring them to ask them to send one by post, I would then personally take a photocopy, write back to the company and tell them you have enclosed a copy of the complaint form for their records as you have now complained to the ombudsman for investigation.;)

This way the finance company can still possibly reconsider while your complaint is within the FOS, if this happens and your successful and happy with the outcome you then just let the FOS know.

Here is the link for the complaint form and also enclose copies of any correspondence within the form, and explain to the FOS that you received no response from the company and the 8 weeks they were entitled to have come and gone, in your own words of course lol, good luck.;)

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Di
x

di3004

I must sign off now and get to bed......:rolleyes: , think its catching up with me, catch you tomorrow all and Marshallka hope tomorrow goes well for you.:A xxx

moonflower_2

Sorry if this a foolish question,but do the 8 weeks run from my original letter. Or from their first reponse?Thanks

marshallka

moonflower wrote: »

Sorry if this a foolish question,but do the 8 weeks run from my original letter. Or from their first reponse?Thanks

From your first letter to them moonflower;) . Not a foolish question though;) .