PPI Reclaiming Discussion part 4

mah500

Hi Di

Thank you so much. I'll letyou know how we get on.

Mark

di3004

Mark

When you write to them, you give the reasons of why you believe the policy was mis sold, so basically you write that you have evidence of Payment Protection Insurance (PPI) was added to the Credit Card, where you note this is still been paid within the monthly repayments, and you (your partner) chosen not to take this option (enclose a copy and not the original agreement) for their records of evidence of your proof.

The link I posted on my earlier post of the guidelines of reclaiming is helpful as well.
So use as a guide, and if any other reasons apply then add them as well, there is a checklist on the guideline link.;)

Di

di3004

mah500 wrote: »

Hi Di

Thank you so much. I'll letyou know how we get on.

Mark

Your very welcome Mark, any probs let us know.
Your partner have been deprived of her money in this case, and they should compensate with that 8% int of what a court would award due to this reason.

Look forward to hearing the outcome of this.:beer:

Di

mah500

di3004 wrote: »

Mark

When you write to them, you give the reasons of why you believe the policy was mis sold, so basically you write that you have evidence of Payment Protection Insurance (PPI) was added to the Credit Card, where you note this is still been paid within the monthly repayments, and you (your partner) chosen not to take this option (enclose a copy and not the original agreement) for their records of evidence of your proof.

The link I posted on my earlier post of the guidelines of reclaiming is helpful as well.
So use as a guide, and if any other reasons apply then add them as well, there is a checklist on the guideline link.;)

Di

Capital One actually provided the evidence in response to our SAR:) so they already have the original agreement. I was planning on just writing a letter pointing this out and the FOS's approach to redress if they disagree or refuse the claim.

di3004

mah500 wrote: »

Capital One actually provided the evidence in response to our SAR:) so they already have the original agreement. I was planning on just writing a letter pointing this out and the FOS's approach to redress if they disagree or refuse the claim.

Yes definately, the reason why I suggested enclosing a "copy" was in case they try stalling by stating they require you to send them a copy, some have done this even though they have provided them with this in the first place........also just in case they try using stalling tactics.
The agreement possibly came from their data debt and not the complaints part.

But yes defo mention the FOS as well.:)

CherryPie

A quick question and apologies in advance if it's already on here, but I'm a bit daunted at the 529 pages!! :rotfl:

Having recently checked my credit report, I've had a card from Lloyds TSB Bank that was settled in 2007. I do vaguely remember this and thought I'd chance my arm on the re-claiming thing. However, I can't get any more details on it. Who would I write to and would they give me details without an account number?

I've no paperwork as I've just gone through everything and it's not there.

CherryPie x

di3004

CherryPie wrote: »

A quick question and apologies in advance if it's already on here, but I'm a bit daunted at the 529 pages!! :rotfl:

Having recently checked my credit report, I've had a card from Lloyds TSB Bank that was settled in 2007. I do vaguely remember this and thought I'd chance my arm on the re-claiming thing. However, I can't get any more details on it. Who would I write to and would they give me details without an account number?

I've no paperwork as I've just gone through everything and it's not there.

CherryPie x

Hi there, hope your well.

If you no account number then this should be shown on the actual credit card, and/or monthly statements, for more information then you write to the data dept, and request for a Subject access request (SAR), they have 40 days to comply, and you also enclose £10 postal order or cheque payment, I would post by recorded delivery as well.
http://forums.moneysavingexpert.com/showthread.html?t=1475553

If you cannot come across the account number then give them as many details as possible, full name, details of dates when taken out, your date of birth, address and so on, this should help them track down your info.;)

Di
X

Llloyds SAR section:

LLOYDS TSB BANK PLC
DSAR TEAM
CUSTOMER SERVICES
RECOVERY TEAM
CHARLTON PLACE C57
ANDOVER
HAMPSHIRE
SP10 1RE


And for reclaiming here:

Lloyds PPI
Customer Care
Lloyds TSB Insurance
Tredegar Park
Newport
South Wales
NP10 8SB

CherryPie

Di3004, You're a star!! I shall get onto those letters ASAP. As soon as I've poured myself a wee glass of wine!! (It's been a long hard day being a domestic Goddess!!)

:beer:

newbeginning_2

di3004 wrote: »

Hi there

Lots on here in the same position as yourself are reclaiming on the PPI, the way I see it now its worthless and your not going to be able to make a claim on this with it being on the DMP, I would request they refund you as well, as well as cancel.;)

Hi, and thanks for the quick responses :T

Just one more question, do I just send a letter asking them to cancel and refund? I have had a look around but can't seem to find what I'm looking for, do I send the form thing from the main part of this site or are there some template letters knocking around? Not to hot at the old letter writing so have been looking for templates but can't seem to find them.

di3004

CherryPie wrote: »

Di3004, You're a star!! I shall get onto those letters ASAP. As soon as I've poured myself a wee glass of wine!! (It's been a long hard day being a domestic Goddess!!)

:beer:

LOL........:D your very welcome, enjoy your wine, you deserve it.:D:beer:;)