PPI Reclaiming discussion Part III

marshallka

Incipience wrote: »

Have you considered, those who have been rejected by the FOS for the same lender, taken legal action or even a class action against them.

I was going to ask you about a class action with FP. I cannot believe you have not already started one with the website an all. First you need a good solicitor...;)

marshallka

Calculator wrote: »

AND additionally, the portion of the PPI Loan still outstanding (which would have increased as it is constantly attracting interest) must also be "written off" resulting in only the original Advances Loan (original casic loan) being in place. This would also result in a reduced monthly premium-and of course a better settlement figure.

This is where they look at the settlement with the PPI and then without the PPI and take one from the other. I have double and treble checked mine for my bank on the rule of 78 calculator and its is spot on to the penny.

di3004

sharibe wrote: »

Hello everyone,

I still haven't heard a dicky bird back from Lloyds on my claim. I sent a second letter to them the week before xmas. Is this normal for them to take so long to reply? Or is no news, good news??? Also, should I ring up and ask about my claim, or is that not really the thing to do? Should I just be more patient?

Any help,as always, most gratefully received:-))

Love
Sharibe
xx

Hi Sharibe

Hope your well.;)

Its good to hear from you.

So how many weeks have they had precisely with this now hun?

doingmybest_3

marshallka wrote: »

What you have already paid to them is repaid to you and statutory interest if you have requested this.

As regards the settlement and loan redone this is done taking into account what you still owe against the PPI and interest but have not yet paid over and then taken from the balance and the loan redone over the same terms and APR.

Thanks for that, a bit clearer now. I'll let you know what they say when they say it. hopefully it won't be too long to wait. thanks all.:T

dreamer33

Incipience wrote: »

Hey dreamer.. just peachy thanks.. hope you are all well

Good, yes we are all well, well just waiting to see if we gonna end up on the NRock repo list :eek:

dreamer33

Got a bit of a bad head today, my fizzies let me down, they not working

marshallka

doingmybest wrote: »

Thanks for that, a bit clearer now. I'll let you know what they say when they say it. hopefully it won't be too long to wait. thanks all.:T

Glad your at peace a little now. Let us know the final outcome...;)

marshallka

dreamer33 wrote: »

Got a bit of a bad head today, my fizzies let me down, they not working

Dreamer, what are your fizzies....:eek:

dreamer33

marshallka wrote: »

Dreamer, what are your fizzies....:eek:

Lol its the name my OH gave to my co-codamols lmao

marshallka

sharibe wrote: »

Hello everyone,

I still haven't heard a dicky bird back from Lloyds on my claim. I sent a second letter to them the week before xmas. Is this normal for them to take so long to reply? Or is no news, good news??? Also, should I ring up and ask about my claim, or is that not really the thing to do? Should I just be more patient?

Any help,as always, most gratefully received:-))

Love
Sharibe
xx

Did you send this recorded delivery... if not then I would just ring to "enquire" that they have received this and are working towards a solution to your complaint but not get into any conversation about it as they can twist things.;)

If they say they have not received it then you may have to write again but recorded delivery this time so they have to reply.