PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Thank you for posting this again Oscar, and sorry to being a right pain....:o xx

A right pain... why do you say that Di..

di3004

marshallka wrote: »

Replied above

Wow that was quick lol:eek: x

marshallka

oscar52 wrote: »

I have seen little bits and pieces on here..... seems there are a few with things on their plate that a little more important.

Everything is important when you are being fleeced Oscar..;)

oscar52

marshallka wrote: »

Oscar, I think its cause of the added interest for the settlement as if this was settled using the newer regs. (2004???) then you would be charged 2 months interest at settlment and some actually charge a settlement fee too.

But i am right (in my second calculation) that because my new loan totals less than my current outstanding one, and i will have £932 in my pocket, I have had a pretty fair offer?

marshallka

Not had a reply from the adjudicator that was taking on the Firstplus one but passed it to the manager. I emailed yesterday with some queries and she has not got back.

I will have to try to get her to not close the firstplus complaint though.

di3004

marshallka wrote: »

A right pain... why do you say that Di..

I have been having problems with puter off and on today and now and again it freezes and slows down, didn't want to go off this thread, then thought by asking to post again we will not miss it, but meanwhile you replied anyway, everytime , I just felt like I was being a pain.....:o lol.

marshallka

This is what I sent her

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 was passed to 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

Regards

marshallka

di3004 wrote: »

I have been having problems with puter off and on today and now and again it freezes and slows down, didn't want to go off this thread, then thought by asking to post again we will not miss it, but meanwhile you replied anyway, everytime , I just felt like I was being a pain.....:o lol.

MSE has been playing up too early this morning.

oscar52

di3004 wrote: »

Thank you for posting this again Oscar, and sorry to being a right pain....:o xx

I am sure you cant help being a pain..... thought its not something we have in the North end of Gods country :whistle:

marshallka

oscar52 wrote: »

But i am right (in my second calculation) that because my new loan totals less than my current outstanding one, and i will have £932 in my pocket, I have had a pretty fair offer?

Yeah, I think it looks an OK offer Oscar. It depends if you want the money now or you can ask the FOS to check the figures for you too but it will take forever.;)