PPI Reclaiming discussion Part III

sacbaby37

Hi Di, I have had my letter bk from barclays about my ppi charges and basicaly they are sayin that the policy was sent to my home address and i had 30 days cooling off period and i should of cancelled, i was gettin charged on my statements and i didnt question it so basically they arnt going to give me compensation and have game me a leaflet for the FO and said i have 6 months to get in touch with them. Oh but doesnt say that i signed anything, it says that i was in full time employment, which i was as a childminder, so does that mean that i cant do anything now?

Would be grateful for any advice.. hope u and ur family are all well. Sarah. xxxx

maxdp

marshallka wrote: »

I thought that too maxdp. I remember this with someone else too and they had the same problem and this definately was a single premium too. I think it would work like you get nothing back from it until the date you cancel and even if the loan is repaid you are in effect still paying or another way is that it was a seperate single premium payment.

Weird. Who was the other one with? I know I had one with the Business Loan which was a stand alone. So if it was not attached to the loan then the person could cancel it without restructuring the loan. Does not sound right does it.

maxdp

marshallka wrote: »

I have just sent this to the adjudicator that WAS dealing with my complaint against FIrstplus and is now about to close it on 16th January unless I can provide further information about why it should be kept open.....

I have just had a reply from Lloyds about the complaint for the unfair rebate on the Firstplus policy took out with the Firstplus loan.

I do not know who to send this information to and wanted to know if you could pass this on to the relevant section etc.

Its states........

I refer to your complaint to Lloyds and am writing to advise you that I will be responsible for conducting an investigation into the matter. I will consider carefully all of the available information taking into account general legal principles, good insurance practice and whether all of the circumstances have been considered fairly. I will contact you in the event that I need further information or claification on certain issues.

As soon as my investigation has been completed, I will write to you setting out my conclusions in a "Final Response", but in the meantime, I will keep you informed on the progress of my enquiries.


I do not want the complaint with Firstplus closed as such yet until I know that Lloyds are actually taking responsibility for the unfair rebate as I am wondering if they will pass this back to Firstplus and then I do not know where I stand. It was yourselves that told me I had to make the complaint to Lloyds the underwriters about the unfair rebate we received and I was also told that this would be under compulsory jurisdiction of the Ombudsman Service. I will now have to wait for their final response in the matter before closing the complaint against Firstplus as I did speak to Cassidy Davis myself some weeks ago and they told me that ultimately this would no doubt be passed back to Firstplus to deal with. Its so confusing.

If you could please get back with the correct place to email to about Lloyds and also if you could please let me know what will happen as regards this complaint against Lloyds in that I have now been trying to get this to your adjudicator and it went before one in July of last year and I do not want to have to go to the back of the queue of again. Firstplus never told me to make the complaint to the insurer when I complained of this some months ago and I have had my complaint before an adjudicator twice before.

Thanks

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Fab communication as always Marshallka:T Good luck with this.;)

maxdp

MikeysGirl wrote: »

To be honest i really don't remember, but no i've never claimed on any card PPIs.



Again, i don't remember.

To be honest i might as well drop this one, it's the big fish i'm really after (MINT)...

Thanks Guys.

You are welcome. Sorry we could not be of more help. Good luck with MINT:D

maxdp

sacbaby37 wrote: »

Hi Di, I have had my letter bk from barclays about my ppi charges and basicaly they are sayin that the policy was sent to my home address and i had 30 days cooling off period and i should of cancelled, i was gettin charged on my statements and i didnt question it so basically they arnt going to give me compensation and have game me a leaflet for the FO and said i have 6 months to get in touch with them. Oh but doesnt say that i signed anything, it says that i was in full time employment, which i was as a childminder, so does that mean that i cant do anything now?

Would be grateful for any advice.. hope u and ur family are all well. Sarah. xxxx

Hi Sarah

Am commenting on this only cause Di has not been very well and do not know when she is back on. Soon I hope It sounds like the usual fob off letter. Do not be put off. Write the second letter reiterating your concerns and tell them that you will go to the FOS.

I have not read all your case cause did not know how far back it was. Hope this helps. Am sure Di will answer as soon as she gets back on here.:D

sacbaby37

maxdp wrote: »

Hi Sarah

Am commenting on this only cause Di has not been very well and do not know when she is back on. Soon I hope It sounds like the usual fob off letter. Do not be put off. Write the second letter reiterating your concerns and tell them that you will go to the FOS.

I have not read all your case cause did not know how far back it was. Hope this helps. Am sure Di will answer as soon as she gets back on here.:D

Hi maxdp, thanks for ur reply and not to be sounding stupid but which second letter do i send? i am new at this as you can gather, us newbies dont know much lol, and i am sorry to hear Di isnt well if u speak to her before me send her my love. Sarah xxxx

marshallka

maxdp wrote: »

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Fab communication as always Marshallka:T Good luck with this.;)

This is one that we all need to find out about so more people who are having "jursidiction" problems can have a go with.;)

marshallka

maxdp wrote: »

Weird. Who was the other one with? I know I had one with the Business Loan which was a stand alone. So if it was not attached to the loan then the person could cancel it without restructuring the loan. Does not sound right does it.

I will find it and I know it only took a letter to them and they won. Will take a look a little later... ...

maxdp

sacbaby37 wrote: »

Hi maxdp, thanks for ur reply and not to be sounding stupid but which second letter do i send? i am new at this as you can gather, us newbies dont know much lol, and i am sorry to hear Di isnt well if u speak to her before me send her my love. Sarah xxxx

Hi Just send another letter reiterating your complaint and saying that if you do not hear back from them within say 2 weeks you will take this to the FOS. Financial Ombudsman Service. You can go onto their web site to download a complaints form.

I understand that you are a newbie. We all were once:rotfl: It is no problem. If you do the above send my recorded delivery. Await their FINAL RESPONSE. Then post again and we will guide you further.

Good luck:D

maxdp

Hi Marshallka

Yes we do need to know re jurisdiction it would be good to get these things clear.

Am going to sign off now. See you tomorrow. Take care all. Hope you feel better soon DI,