PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Fingers crossed for you Maxdp, this gets moved on soon and done with, I dare say you've waited long enough hun.;) :A

Mine as you know regarding Nemo had taken approx 14 months but that was from start to finish, the volumes of these complaints were bad enough then.....but now.......:eek: treble the amount again !!:eek:

That was cause of Nemo debating it though wasn;t it Di. It was not waiting for adjudication for that long was it??

marshallka

Neptune76 wrote: »

Yes. They sent me my agreement. There is a box which has loan protection insurance written in it. They say it would say none if I had not opted for the insurance.

Its the actual application that matters here. Just cause it say on the agreement you opted was it pre ticked on the application for you to opt out of rather than into...

maxdp

Neptune76 wrote: »

Yes. They sent me my agreement. There is a box which has loan protection insurance written in it. They say it would say none if I had not opted for the insurance.

I would have none of it, they are pulling a fast one. Write back re iterating your complaint to them. Give them a date to reply by. (2 weeks) and tell them that if you do not get a satisfactory reply you are taking them to the FOS. Post all correspondence by recorded post. Just to make sure:D. Good luck Neptune. Also make sure that their letter to you has the words FINAL RESPONSE on it. The FOS will not act until the lender puts this on their letter.

di3004

marshallka wrote: »

That was cause of Nemo debating it though wasn;t it Di. It was not waiting for adjudication for that long was it??

Yes that's right Marshallka.;)
Now this one was what the FOS said a complex case then, I did not know anything about SAR's then and if I did, I would have had plenty to have gone by and possibly it would have been sorted out a lot quicker.........although I must say, there was lots of holidays involved as well, the adjudicator still kept in touch with us with Nemo and passes on messages from the ombudsman dealing with cases, the one I had, adjudicator was part time, saying that I think there are a lot who are......not sure !

marshallka

Neptune76 wrote: »

Hi,

No they haven't offered another opportunity to write to them. Thay have said that if I want to go any further then I should go to the FOS.

Also waiting to hear back from Barclaycard.

I would just take it to the FOS then now Neptune and see what happens. I think that most with Egg will win cause of the fine etc...

Good luck

marshallka

Neptune here is the link

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

marshallka

maxdp wrote: »

I would have none of it, they are pulling a fast one. Write back re iterating your complaint to them. Give them a date to reply by. (2 weeks) and tell them that if you do not get a satisfactory reply you are taking them to the FOS. Post all correspondence by recorded post. Just to make sure:D. Good luck Neptune.

Just deleted my same post here maxdp as I think that was their final response...

marshallka

di3004 wrote: »

Yes that's right Marshallka.;)
Now this one was what the FOS said a complex case then, I did not know anything about SAR's then and if I did, I would have had plenty to have gone by and possibly it would have been sorted out a lot quicker.........although I must say, there was lots of holidays involved as well, the adjudicator still kept in touch with us with Nemo and passes on messages from the ombudsman dealing with cases, the one I had, adjudicator was part time, saying that I think there are a lot who are......not sure !

So how long did it take from sending it in to an adjudicator...

The first adjudicator that is..

maxdp

marshallka wrote: »

Just deleted my same post here maxdp as I think that was their final response...

Sorry...........:D

marshallka

maxdp wrote: »

Sorry...........:D

I did the same maxdp...:o

Slap my wrist, not reading correct and cannot keep up with the posts:rolleyes: