loan company still taking payment whilst ppi is being processed

di3004

the-stig wrote: »

i dont have the terms and conditions on hand from pinnacle.. :-( will that go against my claim for the money i paid when its unclaimable due to the fact i wasn't told it needed to be fulltime work and also i was told i needed to take out the ppi else it will go against me taking out the loan

this is the address i found for alliance and leicester..

Please do not include payments with your correspondence. General enquiries should be addressed to the Customer Services department at the following addresses:

UK:
Alliance & Leicester Credit Card Services
P.O.Box 1003
Chester
CH4 9RS

Glad you found the correct address for the department you need to sent to, good luck.;)

It should not go against your claim hun, you should be fine there.

I also came across this in regarding of Pinnacle here:
http://www.helpucover.co.uk/product/income-protection/page/policy-details/

If its the same one then.;)

the-stig_2

so who do i make a ppi claim with pinnacle or the loan company

di3004

the-stig wrote: »

so who do i make a ppi claim with pinnacle or the loan company

Hi hun
The ones who arranged the loan for you is the ones to write to to complain and reclaim.;)

Did you find Pinnacle yourself or was this found by the ones who arranged the loan?

If you arranged this one with Pinnacle then it would be Pinnacle you write to.;)

Hope this makes sense hun and the very best of luck.

Keep us posted and don't forget there is more help on the actual PPI reclaim discussion thread.

Oh just to let you know, we have just received an email back from Pinnacle, they have advised they have the disc and we should hear within 3 days, fingers crossed as this one if successful should be back dated from July - August but I do not hold out much hope though.

the-stig_2

thanx for the info.. hope yours works out for you too :-)

soul619

wow.... what a cowboy company!

just 1 thing to add really, refusing to take ppi dose NOT go agenst your application outcome is mearly a nasty sales technique used so the sales person can earn more in commistion and bonuses

the-stig_2

hiya, its been a long time waiting for a reply from the loan company, they are stating i agreed to take out the optional ppi which they have underlined. Well its gonna say optional on the form, what else can it say, forced into payment protection please tick this box. they are also saying why didn't i notify them earlier, well if i knew i couldn't claim on my ppi earlier i would of done. i wasn't told i couldn't claim through temp or agency work even though its fulltime hours.

they are just trying to fob me off with as much crap as they can so i dont get the money they owe me. :mad:

if i get time later i will type exactly what they have said. at the moment i feel really !!!!!! with the flu going round at the moment. wish you could buy flu protection insurance cos i'd buy that for a dollar :rotfl:

anyway speak soon going to get a cup a soup :-)

di3004

the-stig wrote: »

hiya, its been a long time waiting for a reply from the loan company, they are stating i agreed to take out the optional ppi which they have underlined. Well its gonna say optional on the form, what else can it say, forced into payment protection please tick this box. they are also saying why didn't i notify them earlier, well if i knew i couldn't claim on my ppi earlier i would of done. i wasn't told i couldn't claim through temp or agency work even though its fulltime hours.

they are just trying to fob me off with as much crap as they can so i dont get the money they owe me. :mad:

if i get time later i will type exactly what they have said. at the moment i feel really !!!!!! with the flu going round at the moment. wish you could buy flu protection insurance cos i'd buy that for a dollar :rotfl:

anyway speak soon going to get a cup a soup :-)

Hi hun

Sorry to hear you have that horrid flu.....:A , your doing the right thing though by getting the soups down you, have a hot steamed bath later as well, with lavendar oils or bubble bath if you have any, this is soothing and beats a shower anyday feeling like this.:A , keep those fluids down you.

lol, Flu protection insurance :rotfl: :rotfl: :rotfl: , that gave me a giggle lol.

Right then now on to the PPI, that is standard hun, so not to worry, yes when you feel up to it post what the letter says and we will take it from there.;)
Its not the end of it yet.....:D .

Catch you later then hun.

Di
XX

the-stig_2

thanx for the reply di, ive had a nice hot bath and a cup of soup and still feel drained, now starting to get bad headaches and still all bunged up.. people i know have had the flu for 3 weeks or more i cant be doing with the flu for 3 weeks ive had it for 3 days and thats bad enough. ohh and ive bought some honey and blackcurrant lockets, see if they help with the blocked nose :T...

anyway speak to you soon and as soon as i feel upto i will post the reply to the letter

:T

di3004

the-stig wrote: »

thanx for the reply di, ive had a nice hot bath and a cup of soup and still feel drained, now starting to get bad headaches and still all bunged up.. people i know have had the flu for 3 weeks or more i cant be doing with the flu for 3 weeks ive had it for 3 days and thats bad enough. ohh and ive bought some honey and blackcurrant lockets, see if they help with the blocked nose :T...

anyway speak to you soon and as soon as i feel upto i will post the reply to the letter

:T

Awe bless you hun.....:A , its bad enough suffering for one day, never mind 3 days or 3 weeks......:eek: , I have those flu jabs every year and have done for many years, and the pnumonia jab as well, that one was done and dusted years ago.;) I still get flu though, but think it may be worse again without the jabs.

I feel for you.:A X

My mate marshallka who is also a fantastic member and helper on here regarding PPI, she recommends a brandy......;) , just as long as your not taking meds, brandy should help.;)


Only post when you feel better, I do understand, if you post up and this is missed on here, your welcome to PM me to remind me.;)

Catch you later and get better soon, take care.:A
Di
XXX

the-stig_2

hiya di i am feeling a little bit better still bunged up a still got a headache but it aint as bad as a few days ago. anyway heres the letter they sent to me.

further to your complaint regarding payment protection policy, i am writing to confirm the outcome of our investigations and thank you for your patience while these have been ongoing. we have fully investigated the circumstances surrounding the complaint and are in a position to offer our final response.

we would like to question why it has taken you so long to bring this matter to our attention, if you believe the insurance to have been mis-sold then why were we not notified earlier.

Although your letter is clearly of a generic template which we have seen copies of many times and does not actually state which policy your referring to we have concluded our investigations to provide you with our final response.

Please find a copy of your hire purchase agreement which clearly states that the PPI policy as optional: your have ticked and signed the required section wishing to purchase the insurance.

In reflection of the mentioned points and due to the generic nature of your letter, unless you can advise is in more detail why you believe to have been mis-sold the PPI policy we would be unable to uphold your complaint.

For further information on your referral rights regarding this complaint, please review the complaints procedure sent to you with our initial acknowledgement letter. should you have any queries in the menatime please do not hesitate to contact us at the address given below..


thats the letter they sent back to me.. when they mention which policy i am referring to i clearly state in the letter my agreement letter and they also state the agreement number at the top of this letter. also when they state that i ticked and signed the optional PPI part of the agreement of course its going to say optional but in the phone call when i firstly phoned the company up they mentioned that it would go against my loan acceptance if i never took out payment protection. also i wasn't told that it would go against my policy if i took on agency work, even though agency work is full time hours, i would rather take agency work than slum it out on the dole. but thats where i am at now on the dole because theres no jobs out there, also at the job centre the computer terminals are i would say 80% agency, and they job centre people ask if i am regsitered with agencies, it makes it an unclaimable policy if i take agency work but it also goes against my benefits of i turndown agency work. i cant win..

anyway what do you suggestion i say when i type back to them :T

thanx :rotfl: