PPI Reclaiming discussion Part III

marshallka

EssexHebridean wrote: »

Thanks - I will let you know! They don't really have any ground to argue on now they have admitted mis-selling!

Quite true and you want it all back and put into the position as if you never had the PPI at all.;)

di3004

marshallka wrote: »

Yeah it is Di. Such a shame too for the kid. He is only young and from what the writer says they have time for nothing at all and even affording a mobile phone is a no no... they don''t even get any help money wise or anything . I think this was written by someone else about this couple and their son....does seem like an extreme case though like maxdp says.

Aww bless, I take it then its not in Britain then?
They should be having something for their son surely.......:eek:

Not had time to check it out yet, will have to try to find this.

di3004

marshallka wrote: »

This is excellent reading


http://www.financial-ombudsman.org.uk/publications/technical_notes/omb-decision-B.pdf

This is a brilliant find and read Marshallka....:T , great find, and it will be interesting to others as well, knowing how the system works with the FOS.;)

marshallka

di3004 wrote: »

Aww bless, I take it then its not in Britain then?
They should be having something for their son surely.......:eek:

Not had time to check it out yet, will have to try to find this.

It is Britain, they just cannot get anything and this sounds an extreme case..

It says here

And, please, don't ask about state benefits for carers: these are so meagre that if it were not for Helen, Cath could not even afford the mobile phone she must have with her every time she steps outside her front door

http://www.dailymail.co.uk/femail/article-1116602/Why-face-truth-Having-autistic-child-wrecks-life-.html

Maxdp is offline now but posted earlier about it...

Toffee_Penny

Marshallka + Di

Can I just ask how long I have to give a creditor to respond to my letter declining their offer and asking for full?

I was thinking 14 days or is this too soon for them to respond?

marshallka

Toffee_Penny wrote: »

Marshallka + Di

Can I just ask how long I have to give a creditor to respond to my letter declining their offer and asking for full?

I was thinking 14 days or is this too soon for them to respond?

I would say 14 days or even 10 days...

Perhaps Di will post as well.;)

Toffee_Penny

Thanks didn't want to appear impatient but time is money and all that :rotfl:

marshallka

Toffee_Penny wrote: »

Thanks didn't want to appear impatient but time is money and all that :rotfl:

I don't think that is impatient. You need the money and that is it. Interest is charged daily by banks..;)

sacbaby37

Evening Di and Marshallka, i have had a letter from cap one about my credit card charges and they are saying the they are fair and have offered me £46 on one and £24 on the other as a good will gesture, one i believe owes me £800 with interest and the other £420 they also sent a acceptance letter they want me to sign, obviously i am not happy, they have given me a month to get back to them. From here i persume i send the second letter refusing do i have to reliterate (not sure if that is the right word i am lookin for) go over my reasons why i believe the charges were way too much. Sorry 2 keep coming back to pester you but is all a muckin fuddle in my head lol. I hope ur both well. Sarah xxxxxx

di3004

marshallka wrote: »

It is Britain, they just cannot get anything and this sounds an extreme case..

It says here

And, please, don't ask about state benefits for carers: these are so meagre that if it were not for Helen, Cath could not even afford the mobile phone she must have with her every time she steps outside her front door

http://www.dailymail.co.uk/femail/article-1116602/Why-face-truth-Having-autistic-child-wrecks-life-.html

Maxdp is offline now but posted earlier about it...

This is just not right as there are benefits for this, whyever not ??

My brother is an extreme severe case, he is 44 now, and years ago, it was hard to get anything, my mum had 8 of us and dad worked away when the coal mines closed down, my brother has no speech whatsoever, however nan then lived across the road and chipped in to help, it had taken until Steve was about 8 before they had help, obviously he did go to a Special school.

He was a lump of a lad, and suffered violent outbursts, but this was all down to frustration, when he was 30, he was the only one then left home, he has a huge outburst with just my parents there, as they are and were ill themselves then things did get more difficult for them, even though we all helped where and when we could between our lives and families.

The neighbours could hear all this banging and got scared, unfortunately the police had came which is had taken 5 of them to control my brother, as he was a very strong lad.
It was heartbreaking, as Stever cannot speak for himself at all.

He was then taken to the hospital where I once worked, and they could not cope with him, they could not believe how my parents had managed, then it was arranged for him by the hospital doctor it would be best if he had one to one in a small housing community, he is now so much happier and settled and probably feels like he's having his own independence with also security, although he is not or never to left on his own, at the hospital he had suffered fits, as he was too quick for the staff at one point and drank toilet bleaches etc, we almost lost him, he was also diagnosed with diabetes a few years ago as well.

Now though he lives up the road from me, its a huge place with 2 others like himself, yet they have speech and the care is 24/7.;)

He is looking well, which is a good thing, but it would be my wish come true if he ever said my name.;)