PPI Reclaiming discussion Part III

di3004

dreamer33 wrote: »

Lol yes,

My oh at the match today in the box so free drink and will be p****d when he gets back, my daughter out with friends and just me and my son, it would be quiet if the dog didn't keep stealing my washing:mad:

How are you today di and your family

My cat's just as bad lol he had my little knicks over his head the other day again:o .....:eek: , he is only little, but he will just jump up onto my back and wants a fuss all the time, he's getting bad as hubby lol :rotfl: :eek: .

Golly your O/H will be D***K out of his mind later then if the drinks are free :eek: lol.:D

Not too bad here thanks hun, hubby sat down reading his fishing mag, Daniel on the xbox 360, Jamie gone to either footie or tennis, can't remember :rolleyes: , the cat fast asleep at the moment, its bliss :A

di3004

I must get that kettle on, I am parched.....:p , bk soon x

marshallka

pinknico wrote: »

Hello everyone, well it is official. When it comes to consumer credit agreements and issues the FOS is rubbish.
They will not uphold my complaint against Redcats.
Their reasons:
They cannot say whether or not a credit agreement is enforceable. No problem didnt expect them to.
They cannot investigate the PPI. I knew this anyway.
The conclusion that really made me mad was this:

"We wont ask the company to refund the late payments of £27 because they offered to clear the balance of £450 and you refused this so it would not be appropriate to ask them to refund a lesser amount"

They did not offer to clear the balance they just did it and were going to default me. An offer to clear the balance would have been a goodwill gesture with no strings attached.

The company even sent me a letter saying the balance had been cleared in human error and any ADVERSE stuff put on my credit file as a result would
be reversed.
How is that an offer to clear the balance and why should I say yes to an offer that gives me a default?? And why should I not get my charges back just because I didnt want a default on my file??

Can you tell I am fuming!!!!!!!!!

I havent written back to point all this out and ask that my complaint goes to the Ombudsman.
Goodluck with yours Bathgatebuyer, hope you have better luck.xx

Oh Pinknico, that is so bad of the FOS...

I am beginning to wonder what they are there for now... It seems that when they say they will look into banking type complaints they will not... . I wondered when you posted about this one as it would have been a banking type instead of a PPI type and they only had CCA jurisdiction from April 2007 and this was before.

Really feel for you on this one and lets hope you find another reason to give to the FOS for them to stand up to Redcats... :mad:

dreamer33

di3004 wrote: »

I must get that kettle on, I am parched.....:p , bk soon x

Yes me too. Son on ps3 gonna join him soon I love it lol.

My oh goes fly fishing I've tried it nearly hooked my bum lol got wrong off oh

marshallka

dreamer33 wrote: »

Afternoon everyone

How is everyone today.

Been on the utilities tab and you can challenge an increase in your gas and elec DD rise.

Yeah dreamer but you still owe it in the end if you know what I mean. I cannot see the point really on this one..

marshallka

booi666 wrote: »

1ST VERSE

I want to claim my ppi

it was sold to me by a guy

Who pressured me into signing it

To find it wasnt worth a s--t

If only i could go back in time

And tell the oft about this crime

All my complaints, letters and calls

Are making me mad and climbing the walls

so if insurance is what you need

get the agreement and make sure you read

make sure everything is all above board

cos these people are well known for fraud

And if you wana come here for any advice

ask for max marsh or di

cos there all so bllody nice:eek:

Wow boo, that is fab....:T ... pmsl.....:rotfl: :rotfl: and so blummin true too...

marshallka

dreamer33 wrote: »

Lol yes,

My oh at the match today in the box so free drink and will be p****d when he gets back, my daughter out with friends and just me and my son, it would be quiet if the dog didn't keep stealing my washing:mad:

How are you today di and your family

Mines at the match too dreamer but no box...;) and no money for booze too.

dreamer33

marshallka wrote: »

Yeah dreamer but you still owe it in the end if you know what I mean. I cannot see the point really on this one..

See what you mean, ours has been increased from £92mth to £123.00 can't believe it havn't even used dryer it broke.

marshallka

dreamer33 wrote: »

Lol yes,

My oh at the match today in the box so free drink and will be p****d when he gets back, my daughter out with friends and just me and my son, it would be quiet if the dog didn't keep stealing my washing:mad:

How are you today di and your family

It is embarrassing when they do that and you don't know they have and then when you have visitors they decide to produce that pair of knickers you were washing two weeks before...:eek:

dreamer33

marshallka wrote: »

Mines at the match too dreamer but no box...;) and no money for booze too. [/quote

He got in box free from his work they have a box and he been going in to work extra.