PPI Reclaiming Discussion part 4

mylove4ever

tHANKS DI3004, I really appreciate your contribution on this forum. God bless u!!!:):T:A

di3004

mylove4ever wrote: »

tHANKS DI3004, I really appreciate your contribution on this forum. God bless u!!!:):T:A

Your very welcome hunni, so happy for you.:beer::AXX

loulou81_2

Hi I am trying to claim my ppi from my Marks and Spencer credit card I closed my account in 2007. I have sent a request for ppi refund and they contacted me to say that as the account had been closed for so long they are unable to see if ppi was applied/ and or / missold. I found a few statements and sent for a SAR request, this shows PPI on my account.

I have now sent a second letter asking for them to re investigate my claim, but am asking the lovely people on this site for help? Anybody out there experienced anything like this or can advise me on the next step?

di3004

loulou81 wrote: »

Hi I am trying to claim my ppi from my Marks and Spencer credit card I closed my account in 2007. I have sent a request for ppi refund and they contacted me to say that as the account had been closed for so long they are unable to see if ppi was applied/ and or / missold. I found a few statements and sent for a SAR request, this shows PPI on my account.

I have now sent a second letter asking for them to re investigate my claim, but am asking the lovely people on this site for help? Anybody out there experienced anything like this or can advise me on the next step?

Hi there, good luck with this.

I've never had dealings with these but sure many have done and will hopefully post up of their experiences with these.

Good one for finding the statements, did you also enclose Copies (not originals) with your letter?
If they try fobbing you off with another excuse (they should not do now with the details you have provided to them) then move on to the FOS, but they should actually still have some details on your account, because it was only 3 years ago you cancelled, where they should hold for at least 5/6 years.

Also if you get any further problems in regards of asking for any documentation, you could contact the Information Commissioners Office (ICO)
https://www.ico.gov.uk/Global/contact_us.aspx
who should be able to help.

I would personally contact them anyway and tell tjhem what you have been told in regards of you closed/cancelled the account in 2007 and ask if they should still be holding any of your details on your accounts for the last 5/6 years.

Fingers crossed for you, please keep us posted.:beer:

carrfarmer

hi all
has anybody claimed their PPI back on a Capital One credit card at all,just had my list of charges from them and have just noticed there is PPI on.Also in the letter they sent back there is a cc agreement with my signature on and the date 01/03/2001,when i took out the card but nothing else.would i have to request copy of agreement to see if it has been added.
many thanks in advance.colin

di3004

carrfarmer wrote: »

hi all
has anybody claimed their PPI back on a Capital One credit card at all,just had my list of charges from them and have just noticed there is PPI on.Also in the letter they sent back there is a cc agreement with my signature on and the date 01/03/2001,when i took out the card but nothing else.would i have to request copy of agreement to see if it has been added.
many thanks in advance.colin

Hi Colin.

So the agreement you have is just with a signature but nothing with the ppi details?

As long as you have the accoount number you can of course continue to make a reclaim for the reasons you have for being mis sold.
Sometimes they send you a copy of the agreement back with a letter, but not always.

As this was on 2001 you taken this out, the chances are very slim of them having a copy, but there is no harm in requesting for this and enclosing a £1 postal order or cheque payment and ask that they send by 12 days, if they cannot do this then they should write back to explain and of course return your payment.

But you have the account number and statements to prove PPI was being paid.
So with your reasons give it a go and see if they send you the agreement back with their response.

They have 8 weeks in full to respond, post by recorded delivery for your proof of posting.
More help with templates, a checklist of mis selling reasons here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

In regards of the charges - deal with this separately to the PPI reclaiming, and for help on the charges side, you can post on the reclaim bank and card charges here:
http://forums.moneysavingexpert.com/forumdisplay.html?f=102

Hope this helps, good luck and please keep us posted, and ask for help anytime.;)

Di

carrfarmer

hi Di
thank you for your response.idont know if i have a shortened version of the agreement.the only information on it is...my name and address,a small paragraph about the cc agreement,my signature and the date thats it.
i have sent in a claim(by recorded delivery of course)today to claim back the cc charges

thanks colin

di3004

carrfarmer wrote: »

hi Di
thank you for your response.idont know if i have a shortened version of the agreement.the only information on it is...my name and address,a small paragraph about the cc agreement,my signature and the date thats it.
i have sent in a claim(by recorded delivery of course)today to claim back the cc charges

thanks colin

Hi Colin your welcome.

It does not seem like a full agreement does it?

But not to worry, by having the account number will be a good help to help with your reclaiming, as they can still track your account down this way.

Good luck on the charges as well.:beer:

di3004

My latest update, not a lot different to the last letter really but still it seems to be going somewhere. I notice on each letter, even though the main ref number stays the say but the letters and the last 4 differ to other letters, so I suppose
its due to the face its moved on from section to section to see if the case can be looked at or not.

Letter received through the post of an hardcopy update dated 04 March 2010, the one above was by email dated 03 March.

Dear Mr & Mrs

I wrote to you recently about your complaint against Hamilton.

At this stage I confirm that we have everything we need from you and your complaint is now waiting to be passed to on of our adjudicators.

As soon as this happens, the adjudicator will be in touch with you, to explain the next steps and to ask for any further information that they may need from you.

If you need to contact us in the meantime, please phone us on ***** ****** during office hours, email us at [EMAIL="PPI.Support@Financial-Ombudsman-org.uk"]PPI.Support@Financial-Ombudsman-org.uk[/EMAIL] or write to the casework support team at the above address. When contacting us, I would be very grateful if you could quote reference number XXXXXXX/XX/XXXX

Yours sincerely

Head of Casework support.

robbedofmymoney

di3004 wrote: »

My latest update, not a lot different to the last letter really but still it seems to be going somewhere. I notice on each letter, even though the main ref number stays the say but the letters and the last 4 differ to other letters, so I suppose
its due to the face its moved on from section to section to see if the case can be looked at or not.

Letter received through the post of an hardcopy update dated 04 March 2010, the one above was by email dated 03 March.

Dear Mr & Mrs

I wrote to you recently about your complaint against Hamilton.

At this stage I confirm that we have everything we need from you and your complaint is now waiting to be passed to on of our adjudicators.

As soon as this happens, the adjudicator will be in touch with you, to explain the next steps and to ask for any further information that they may need from you.

If you need to contact us in the meantime, please phone us on ***** ****** during office hours, email us at [EMAIL="PPI.Support@Financial-Ombudsman-org.uk"]PPI.Support@Financial-Ombudsman-org.uk[/EMAIL] or write to the casework support team at the above address. When contacting us, I would be very grateful if you could quote reference number XXXXXXX/XX/XXXX

Yours sincerely

Head of Casework support.

keep with it, you know its with the right people and although its slow moving it will eventually get the result you want.

not long before some of these lenders are fined heavily again

This time next year we'll be millionaires :rotfl::rotfl::rotfl::rotfl: