PPI Reclaiming discussion Part III

marshallka

showergirl wrote: »

Have just spoken to Mr Glynn Rixom.
They have no record of the conversation I had over the phone with their advisor.
He said I ticked the box for PPI. It was done over the phone
He also said that I signed the agreement and because of that it is the banks policy not to refund the ppi

What a load of B......T

Did you get a SAR showergirl...

showergirl

Natalie6999 wrote: »

Ring FOS & if you feel really brave, ring Tesco PF back & ask to speak to the Manager of the PPI section, I did, it didn't get me anywhere, but I took my frustrations out on them.

Have rang both.
FOS have told me to send the forms back to them with all copies of letters which I will do

clarabella23

hi everyone again! just got my first reply regarding ppi on account cards, refusing the claim as expected. They are saying that I had ample chance to review the ppi and cancel within the 30 day period. They are also saying that they want evidence that I didn't work and didn't have a partner that worked during the period when i took it out, but I don't think I have any paperwork from back then. any ideas?
They are also saying that because I set up the account in dec 2003, and the FSA fines relate to policies after january 2005, the fact that they have been fined for mis-selling doesn't relate to me.anybody else had this? what should my next step be? thanks for allyour help so far!:A

marshallka

di3004 wrote: »

I know this is not PPI related, but think this is pretty good news if anyone are worried about losing their homes:;) In England anyways X

http://money.aol.co.uk/mortgage-rescue-scheme-rolled-out/article/20090115190754565940531

Good but the government will own everything soon...:rolleyes:

If they had not allowed us to be ripped off by banks/finance companies in the first place then this would not be happening....

showergirl

marshallka wrote: »

Did you get a SAR showergirl...

Marshallka

God am I glad your here. What is a SAR. They have sent me a copy of the original loan agreement with my sig on it

di3004

clarabella23 wrote: »

hi everyone again! just got my first reply regarding ppi on account cards, refusing the claim as expected. They are saying that I had ample chance to review the ppi and cancel within the 30 day period. They are also saying that they want evidence that I didn't work and didn't have a partner that worked during the period when i took it out, but I don't think I have any paperwork from back then. any ideas?
They are also saying that because I set up the account in dec 2003, and the FSA fines relate to policies after january 2005, the fact that they have been fined for mis-selling doesn't relate to me.anybody else had this? what should my next step be? thanks for allyour help so far!:A

Hi hun
Who is this with ?

It sounds like the standard fob off letter to me.

Have you any old letters or old documents which obviously provide dates on them, to help perhaps?
And old Council tax statement, something like that ?
If you are married now it should state the date on the marriage certificate, a copy of that should help as well.;)

Let us know who this was with and we shall take it from there, cheers hun X

An SAR request may come in handy then as they should supply documents to you going back as far as 6 years X

marshallka

Natalie6999 wrote: »

I'm getting fed up of being in limbo, I know that it is going to be a long job both with Tesco PF & M & S, but I just wish that they would get their fingers out.

I hope its sorted sooner rather than later Natalie. The queue at the FOS is getting bigger as time goes by. Something needs doing about that alone...;)

di3004

marshallka wrote: »

Good but the government will own everything soon...:rolleyes:

If they had not allowed us to be ripped off by banks/finance companies in the first place then this would not be happening....

Yes - very true.......:rolleyes:

marshallka

lilac789 wrote: »

I have finally had a decision abck from Northern Rock toady. They are awarding me £199.53 + £17.06 interest @ 8% for the second loan as they have been able to listen to the telephone conversation that I had with the sales staff and agree that they, "...have fallen short of the high standard of service that you had a right to expect."

However for the first loan that I took they have said that there is no recording of the conversation and that their sales people work from a script that met the requirements at that time. They go on to say say that PPI is optional and that the final decision to take it is mine and that because I did not cancel the policy before the 30 day cooling off period and therefore there is no evidence that the policy was mis-sold. However, I vividly remember asking the sales rep if I HAD to take it out and I remember her telling me that without it, I wouldn't get the loan.

They say that this is their final response to my complaint... should I accept it?

How much were you expecting from them Lilac??

marshallka

di3004 wrote: »

Yes - very true.......:rolleyes:

My sinister mind here. They make it look like a favour... . :rolleyes: