PPI Reclaiming discussion Part III

Vordermanic

di3004 wrote: »

Hi hun

Your very welcome x

Right then, so its FirstPlus you write to - to complain.;)

Now this is your option hun if you want to cancel this, they still have to repay the whole lot of the PPI back to you as if you did not take the PPI with the loan from the start with the interest as well.

I don't think the repayments will come down by much though if you cancel now as its after the cooling period, and I think Marshallka who will most probably be back later can confirm this as she had a loan with this company.;)

Di
x

Thanks Di,

I will get on with it tomorrow and will keep you informed how I get on!!

Might even try chasing some of the PPI's I had on the original loans/credit cards whose debts I settled when I took out the consolidation loan.
As long as I'm not trying to walk before I can crawl of course....:rotfl:

Regards,

Vordermanic

sacbaby37

marshallka wrote: »

Sarah, sometimes you are covered for self employment and this would be able to be found out from your own terms and conditions. If you are self employed and paying class 2 contributions and often if you have been in continuous employment for 6 months then they may be right. Was this your only reason for misselling...??

Hi Marshallka, thanks for the reply. well i wasnt paying class 2 contributions as i was excemp as very low earnings, and no my other reason was it was done over the phone and i felt pressured into having it and they ran through the terms and conditions so quick, they made me think that i had to have it or i wouldnt get my credit card. Sarah xxx

booi666

Evening all:cool:

booi666

Now then Marshy,

I spoke to the chick at HFC today and here is what she told me,

Initial borrowing was £8000:think:

PPI on top of this Which is £45.88 p/m as you know

APR was 13.628 :doh:

And total charge for credit is £2325.78 :eek: :eek: :eek: :eek:

She also told me that the insurance covers me for accident/sickness/death

And r lass is just for death,as if that is gunna happen :dance:

Robbing cu-ts

NFFC09

Hi

Update on my problems with RBS.

Have sent our 1st PPI letter and had it recorded delivery on Friday.

RBS called us to ask if we have copies of the agreements we have with them as they couldn't find them?

We queried that they had to keep our records for 6 years but they claim only computerised details not actual copies.....Anyway, I am holding out like a hero and I will wait for a reply.

They did comment how professional the letter was.....1st stage letter!!

Quite disappointed with their unprofessional attitude by asking us for copies but we will see!!

Julie
x

di3004

Vordermanic wrote: »

Thanks Di,

I will get on with it tomorrow and will keep you informed how I get on!!

Might even try chasing some of the PPI's I had on the original loans/credit cards whose debts I settled when I took out the consolidation loan.
As long as I'm not trying to walk before I can crawl of course....:rotfl:

Regards,

Vordermanic

Good luck with this Vordermanic.;)

You go for what you believe you've been ripped off with hun :T , and we look forward to hearing the outcome of this.

Your dealing with this the right way so not to worry lmao :rotfl: :rotfl: , and let us know if you require any further help.;)

di3004

booi666 wrote: »

Evening all:cool:

Good evening Boo....:D .

I expect Marshallka will be back at some point later or sooner

di3004

NFFC09 wrote: »

Hi

Update on my problems with RBS.

Have sent our 1st PPI letter and had it recorded delivery on Friday.

RBS called us to ask if we have copies of the agreements we have with them as they couldn't find them?

We queried that they had to keep our records for 6 years but they claim only computerised details not actual copies.....Anyway, I am holding out like a hero and I will wait for a reply.

They did comment how professional the letter was.....1st stage letter!!

Quite disappointed with their unprofessional attitude by asking us for copies but we will see!!

Julie
x

Hi Julie

Your right they should have copies of everything, on data/microfiche or whatever.....:eek: , let us know if you have any more problems here hun, because you can also contact the Information Commissioners office (ICO) who will be able to advise you in this case, as they SHOULD have all the data:
http://www.ico.gov.uk/

Good luck.;)

Di
x

booi666

di3004 wrote: »

Good evening Boo....:D .

I expect Marshallka will be back at some point later or sooner

Ey up di,

Hows your day bin?

marshallka

Doozer wrote: »

Natwest, its been about 4 weeks since i sent the reply accepting the offer, i would have thought 30 days was long enough and was thinking about phoning them to check that there had not been an error!

Regards

I was told by FOS that they would not intervene before 5 weeks so good luck and get their as*es moving..;)