PPI Reclaiming discussion Part III

di3004

Helloooooooo there Marshallka , its so good to see you here :j , how are you feeling ?;)

dreamer33

di3004 wrote: »

OMG we had that reply as well from one of the girls from Nemo....:eek: , hubby rang them for something then told them he was waiting for the SAR, the girl asked "do you mind telling me what an SAR is please"?:eek: , hubby passed me on to explain.....:rolleyes: .
And this was supposed to have been the section that dealt with the records and data........honestly !:rolleyes:
This was ages ago now.

It's shocking they all get told what it is and how you handle the data, maybe training didn't happen at EGG or NEMO :rotfl: that's also why they have been fined, training issues prob

marshallka

itsnowtime wrote: »

Can I ask a quick question and I'm sure it'll be somewhere but can't find it..

Now I believe my thinking to be correct here - but if not please let me know....If I was told that I could only receive a lower APR on a loan if I accepted the PPI - I believe I've been missold the policy??

However... if I have since made a claim - does that make it null and void and I can't do a god damn thing..

Maybe cancel the PPI though??

I am sure that the APR shoud not be affected by the PPI and I will find a piece about this that I read either from the FSA guidelines or the competition commission. You should make the complaint as if you were missold for this reason and maybe others too. As you have made a claim on this there is a chance they will not hear you out but still worth a try and certainly get it cancelled if not. Also make sure the rebate they offer if you cancel if fair.

Just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck

marshallka

dreamer33 wrote: »

Well got my SAR from MBNA this am all about 10 pages of it including my credit agreement.

Did not tick for PPI however on statement ppi was taken and then shows as being refunded on more than one occasion so not really sure what has been going on here

I wonder why they refunded it then dreamer. You need to find this out really so maybe another letter.

dreamer33

itssnowtime

marshallka wrote: »

I am sure that the APR shoud not be affected by the PPI and I will find a piece about this that I read either from the FSA guidelines or the competition commission. You should make the complaint as if you were missold for this reason and maybe others too.

Just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck

I get the feeling this one might have claimed on the PPI

dreamer33

marshallka wrote: »

I wonder why they refunded it then dreamer. You need to find this out really so maybe another letter.

Yeah I'm confused too as the ppi box was unticked. Robbers

marshallka

maxdp wrote: »

Oh snap so have I:rotfl::T:A

I think when the sun shines it makes you want to get everything sparkling again cause it shows up the dust and grime etc....:o

di3004

dreamer33 wrote: »

It's shocking they all get told what it is and how you handle the data, maybe training didn't happen at EGG or NEMO :rotfl: that's also why they have been fined, training issues prob

I know what you mean.......:rotfl: :rotfl: , since my complaint about Nemo I have come across loads of others complaining about them, when we received the SAR, you should see some of the comments they made when we complained !!:eek:

Its just not right, with them knowing we would see it all, these comments were wrote on the margins !!

Even found the part where the adviser said
"The XXXXXX wanted a loan without the PPI, I managed to get them to take it,told them they had to have this, then they wanted to cancel, and I stopped them doing this":eek:
(this was for the advance on the case we won with the FOS)

They also made many comments, some not nice either !:mad: Oops edited to just remove the C to an S lol

marshallka

dreamer33 wrote: »

Yes as suggested best to wait before complaining. You never know what these companies might forget to put in your file by accident.

I have found lately with EGG and MBNA that they have not sent me telephone recordings that mainly what I want.

Or in my case with FIrstplus it made no difference at all to the FOS as although I have proof of dodgy dealing etc they will not look into anything...:mad:

dreamer33

di3004 wrote: »

I know what you mean.......:rotfl: :rotfl: , since my complaint about Nemo I have come across loads of others complaining about them, when we received the SAR, you should see some of the comments they made when we complained !!:eek:

Its just not right, with them knowing we would see it all, these comments were wrote on the margins !!

Even found the part where the adviser said
"The XXXXXX wanted a loan without the PPI, I managed to get them to take it,told them they had to have this, then they wanted to cancel, and I stopped them doing this":eek:
(this was for the advance on the case we won with the FOS)

They also made many comments, some not nice either !:mad:

Thats disgusting Di :eek: glad you beat them :T