PPI Reclaiming discussion Part III

marshallka

catinthehat1 wrote: »

Can anyone help to calculate - Laini did do it for me but months ago, so as we have been paying it so far to date the figures have changed!!! Just want to make sure they don't rip us off any more!!! And we are READY for them!!!


[FONT=&quot]We took out loan £25500.00 in July 04 [/FONT]
[FONT=&quot]PPI on top £5068 over 300 months!!! [/FONT]
[FONT=&quot]Paying £325 per month[/FONT]
[FONT=&quot]So far have paid for 52 months (doesn't include next week when we will be paying again, so could be 53 months)[/FONT]

[FONT=&quot][/FONT]

I'll have a go later for you....don't hold me to it but will certainly try;)

pinknico

catinthehat1 wrote: »

* Sent first letter to FP 28 June 2008
* they replied and denied mis-selling
* second letter sent 24th July
* 28th August they offered us £700 ish
* we declined & sent stuff to FOS end of August
* complaint passed to adjudicator Sept/Oct
* I have been emailing adjudicator, once a month
* last week heard being passed to Ombudsman
and letter from him today !!!

So not too bad, but feels an age!!

This will give hope to others in the queue:A

marshallka

alfieg40 wrote: »

2004

Does the fact that i pay via a DMP matter in any of this. Plus i noticed on my credit file that my Egg history shows full and on time payments for 2 years, then one missed as i set up a reduced payment plan, then straight to default. I thought you had to miss 3 payments for that to happen?

Don't know about the default business but it should not make any difference being on a DMP I don't think.

di3004

marshallka wrote: »

We get feet people and most of our BP checks are done by health care assistants but I have never heard of specialists coming to the docs... its all new to me...its all dealt with the the docs and nurses at ours and if we need a consultant we are in the queue at the hossie...;)

Its still part of the britain though is it not Wales..?? The guidlines are from the British Hypertension Society....;)

Marshallka

Like yourself these are who we have at our surgeries, this what I meant to say was we have few Practice nurses, and they all specialise in something then, the one also works as a Community nurse for cancer patients, but she is a surgery nurse as well, the other is the asthma nurse, and we have a Phlebotmist, even though they all do bloods, BP etc, and then there is the health nurse, health asisstant, and the Health visitor. Then the Chiropodist.

I do not know for definate how different these NHS differs, but here Maz my sister was on the waiting list for referrals for over a year due to a shoulder, and back op she is due to have, and she had a sleep apnoa test after waiting for 12 months, that was here in Wales, one of my other sister's from Cornwall, she only waited a month if that for her sleep apnoa test and the same for my other sister Christine, from then Gloucester, referrals and waiting lists I know are at arms length of longer, and they try to take the burdens off by having monthly check up's and monitoring at the surgery, hubby waited 3 months to see a physciatrist, even Daniel's appointments are every 6-12 months, unless of course a cancellation comes up or if something urgent comes up.

Although as soon as you are referred check ups for the main of the things are more regular.;) Its just the waiting.

Was reading this as well, but its from March last year, been lots of bed blocking again this year, the same as every year and probably the same as everywhere:
http://news.bbc.co.uk/1/hi/wales/7277038.stm

http://www.thompsons.law.co.uk/clinical-negligence/nhs-waiting-lists-targets.htm

pinknico

alfieg40 wrote: »

2004

Does the fact that i pay via a DMP matter in any of this. Plus i noticed on my credit file that my Egg history shows full and on time payments for 2 years, then one missed as i set up a reduced payment plan, then straight to default. I thought you had to miss 3 payments for that to happen?

No a DMP doesn't matter at all, but they will reset any refund off the balance. I think as soon as you set up a reduced payment plan they class you as in arrears. You may like to ask about that on the debt forum.

marshallka

maxdp wrote: »

Hi Boo. Just read through some posts and saw that you were claiming against MBNA have got two gone to the FOS 1 settled before it was investigated, PPI was supposedly ticked:rolleyes: but self employed so they settled that. Other was sold over phone, again supposedly and it is just going to an adjudicator. Both these were Credit card PPI with A and L (taken over by MBNA).

Di Hope you son is having a fabulous birthday.:beer:

Dreamer sorry you have such a s//t time at the moment.

Marshallka. Hi;)

Pinknico. Hope you are OK

Incipidence(is that right) Nice to see you one here and thanks for helping.:D

Calculator - glad you are also helping all these lovely people on here.;)

Hi maxdp, how are you;)

di3004

Catinthehat

Well done hunni.....:T , Congratulations :beer: :T , good work hun and I bet your well relieved and happy......:T :beer: , good one hun, great news.:T :A xxx

di3004

Hiya Maxdp

Thank you.:A

Yes he has had a lovely birthday, and now out playing bowling with his grand-parents, (my inlaws) and a few of his cousins.....:D , it was good to see him all excited.....:T X

maxdp

marshallka wrote: »

Hi maxdp, how are you;)

I am fab. Are you happy with info from incipidence does it help your case or for you to make a decision.

Think we all ought to join something like google mail so we can discuss between us info we want to share so it is not on here. Do you see what I mean. Know there is facebook but there are others as well MSN Messenger I think

What do others think on here.

marshallka

di3004 wrote: »

Marshallka

Like yourself these are who we have at our surgeries, this what I meant to say was we have few Practice nurses, and they all specialise in something then, the one also works as a Community nurse for cancer patients, but she is a surgery nurse as well, the other is the asthma nurse, and we have a Phlebotmist, even though they all do bloods, BP etc, and then there is the health nurse, health asisstant, and the Health visitor. Then the Chiropodist.

I do not know for definate how different these NHS differs, but here Maz my sister was on the waiting list for referrals for over a year due to a shoulder, and back op she is due to have, and she had a sleep apnoa test after waiting for 12 months, that was here in Wales, one of my other sister's from Cornwall, she only waited a month if that for her sleep apnoa test and the same for my other sister Christine, from then Gloucester, referrals and waiting lists I know are at arms length of longer, and they try to take the burdens off by having monthly check up's and monitoring at the surgery, hubby waited 3 months to see a physciatrist, even Daniel's appointments are every 6-12 months, unless of course a cancellation comes up or if something urgent comes up.

Although as soon as you are referred check ups for the main of the things are more regular.;) Its just the waiting.

Oh, i thought you meant consultants coming to the surgery, that is who our docs put you under and that is the guidlines, if my BP has been troublesome I have had to go straight to hossie for the meds immediately and on the renal ward. They don't mess around cause its a silent killer apparently. (you can feel well and not know how high it is). If we have 3 reading over the weeks and they are higher than that what is expected again its over to the hossie. I thought all britain was the same and all followed the prodigy guidlines.

My hemo appointment has come through quick too and if we are waiting for ops now its about 16 weeks in all I think. I just think your doc needs to put you in touch with the hopital consultant if things are bad in that you have to go every month for bp:eek: . I suppose we are lucky then cause they do not mess around with it. Its a thing that only takes a short time to take hold. I was told with mine I was a fingers click away from a stroke. It was malignant hypertension...;)