PPI Reclaiming Discussion part 4

di3004

imnothere wrote: »

We haven't sent any letters yet. I'm just slightly confused, the questionnaire is a stalling tactic? I'm assuming they use the form to stall doing any work? Is there a template reclaim letter? I think I'd rather send a simple first to get the ball rolling

Hi there

Arh right, well what you do is write to them with your reasons, personally I would write in your own words, but if you find the templates will help, use them as a guide, you will find template letters 1 and 2 on the link here of Martin's:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
The questionnaire is some Financial ombudsman service (FOS) help instructions in case the loan company does not resolve in your favour by the final response, so they would let you know when they send you the final letter and enclose details of the FOS, the questionnaire on this added link is that of the FOS, only if you go as far as them.

Hope this helps.:)

di3004

Lauzxx wrote: »

Hi there

it might be me but i cant seem to find the templates for letter 2 and 3 on this site?...ive sent off a few to 3 places using the 1st letter of complaint but cant find the other 2??....can someone please paste the link for us?...

thanx

Hello there, if you check through this link of the guidelines of reclaiming you will find template letters 1 and 2, don't think there is a 3rd, but I would personally use the template letters as a guide with your own words and of course add the reasons that apply to you, they have 8 weeks in full to respond.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

They should also enclose details of the Financial ombudsman service (FOS) in the final response from them.

Good luck.

imnothere

di3004 wrote: »

Hi there

Arh right, well what you do is write to them with your reasons, personally I would write in your own words, but if you find the templates will help, use them as a guide, you will find template letters 1 and 2 on the link here of Martin's:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
The questionnaire is some Financial ombudsman service (FOS) help instructions in case the loan company does not resolve in your favour by the final response, so they would let you know when they send you the final letter and enclose details of the FOS, the questionnaire on this added link is that of the FOS, only if you go as far as them.

Hope this helps.:)

I've looked through the page quite a few times and I still can't see the template.

I can see a letter requesting the original agreement, letters to complain to the FOS and the questionnaire but no original complaint letter

di3004

imnothere wrote: »

I've looked through the page quite a few times and I still can't see the template.

I can see a letter requesting the original agreement, letters to complain to the FOS and the questionnaire but no original complaint letter

Hi there

Yes I see what you mean, looks like there is a follow up but I cannot see the first one either, unless I missed it, but here is one to also help you through from the Guardian.
http://image.guardian.co.uk/sys-files/Money/documents/2007/10/26/PPIreclaim.pdf

Hope you can open this one ok.;)

sharon666

imnothere wrote: »

I've looked through the page quite a few times and I still can't see the template.

I can see a letter requesting the original agreement, letters to complain to the FOS and the questionnaire but no original complaint letter

posting this new question here, can anyone post up if they have had any help from a bank, eg the lloyds bank because they have been or are behind with their loan payments, for eg, the interest has been frozon , MY SITU IS, IN 2006 MY OH LOST HIS JOB, HE HAD PPI,....HE WAS OUT OF WORK FOR 5 MONTHS SO THE LOAN PAYMENT, OF, £448.00 WAS COVERED, LUCKY US YOU MAY THINK, NOT REALLY THAT'S ANOTHER STORY, ANYWAY, WHEN MY OTHER HALF, WENT BACK TO WORK, THE JOB WAS NOT PAYING OUT THE SAME MONEY AS BEFORE, AND AS A COUPLE WE LIVED ON £90.00 PER WEEK AND FOR THE 5 MONTHS HAD GOT BEHIND WITH EVERYTHING, MORTGAGE RATES GAS ECT, ANYWAY WE COULD NOT PAY THE SAME MONEY TO THE LOAN WITH THE BANK, COULD ONLY PAY £300.00 PER MONTH, £156.00 WAS FOR INTEREST, WHEN I SAY ONLY! TELL ME ABOUT IT, :eek:

ANYWAY, ITS BEEN GOING ON LIKE THIS NOW FOR 4 YEARS, I HAVE NEVER MISSED A PAYMENT, BUT I HAVE ASKED AND ASKED FOR HELP FROM THE BANK, I COULD NOT CANCEL THE PPI BECAUSE WE MADE A CLAIM, ANYWAY, WHAT I AM ASKING IS PLEASE CAN ANYONE POST UP IF THEY HAVE BEEN IN A SIMALAR CURCUMSTANCES HAS US, IT HAS TAKEN THE LLOYDS BANK 4 YEARS WHERE THEY COULD OF HELPED, PLEASE POST UP, I HAVE NOW PUT A LETTER INTO THE LLOYDS BANK ASKING THEM TO LOOK AT ALL THE INTEREST APPLIED, AND WHY THEY HAVE NOT HELPED, FROZON INTEREST OR GIVEN A CEAPER RATE THAT WOULD OF HELPED, ALL THIS INTEREST APPLIED WHEN THEY HAVE KNOWN OUR SITUATION, BUT I'V PUT A LETTER INTO THE BANK, IN JAN THIS YEAR, IT SAID THEY HAVE 8 WEEKS TO REPLY, BUT STILL NO LETTER FROM THEM, BUT I'M EXPECTING THEM TO TURN US DOWN, THANKS FOR READING ANY INFO WELCOME

THANKS SHARON666

imnothere

di3004 wrote: »

Hi there

Yes I see what you mean, looks like there is a follow up but I cannot see the first one either, unless I missed it, but here is one to also help you through from the Guardian.
http://image.guardian.co.uk/sys-files/Money/documents/2007/10/26/PPIreclaim.pdf

Hope you can open this one ok.;)

THANK YOU!!

This is exactly what I was looking for

di3004

sharon666 wrote: »

posting this new question here, can anyone post up if they have had any help from a bank, eg the lloyds bank because they have been or are behind with their loan payments, for eg, the interest has been frozon , MY SITU IS, IN 2006 MY OH LOST HIS JOB, HE HAD PPI,....HE WAS OUT OF WORK FOR 5 MONTHS SO THE LOAN PAYMENT, OF, £448.00 WAS COVERED, LUCKY US YOU MAY THINK, NOT REALLY THAT'S ANOTHER STORY, ANYWAY, WHEN MY OTHER HALF, WENT BACK TO WORK, THE JOB WAS NOT PAYING OUT THE SAME MONEY AS BEFORE, AND AS A COUPLE WE LIVED ON £90.00 PER WEEK AND FOR THE 5 MONTHS HAD GOT BEHIND WITH EVERYTHING, MORTGAGE RATES GAS ECT, ANYWAY WE COULD NOT PAY THE SAME MONEY TO THE LOAN WITH THE BANK, COULD ONLY PAY £300.00 PER MONTH, £156.00 WAS FOR INTEREST, WHEN I SAY ONLY! TELL ME ABOUT IT, :eek:

ANYWAY, ITS BEEN GOING ON LIKE THIS NOW FOR 4 YEARS, I HAVE NEVER MISSED A PAYMENT, BUT I HAVE ASKED AND ASKED FOR HELP FROM THE BANK, I COULD NOT CANCEL THE PPI BECAUSE WE MADE A CLAIM, ANYWAY, WHAT I AM ASKING IS PLEASE CAN ANYONE POST UP IF THEY HAVE BEEN IN A SIMALAR CURCUMSTANCES HAS US, IT HAS TAKEN THE LLOYDS BANK 4 YEARS WHERE THEY COULD OF HELPED, PLEASE POST UP, I HAVE NOW PUT A LETTER INTO THE LLOYDS BANK ASKING THEM TO LOOK AT ALL THE INTEREST APPLIED, AND WHY THEY HAVE NOT HELPED, FROZON INTEREST OR GIVEN A CEAPER RATE THAT WOULD OF HELPED, ALL THIS INTEREST APPLIED WHEN THEY HAVE KNOWN OUR SITUATION, BUT I'V PUT A LETTER INTO THE BANK, IN JAN THIS YEAR, IT SAID THEY HAVE 8 WEEKS TO REPLY, BUT STILL NO LETTER FROM THEM, BUT I'M EXPECTING THEM TO TURN US DOWN, THANKS FOR READING ANY INFO WELCOME

THANKS SHARON666

Hiya honey

Hope your well.

If they are not resolving anything for you, then complain to the FOS, like the same procedures as reclaiming the PPI, write to them until you receive a response or a final response, and give them the 8 weeks, it may be the case it will have to be resolved by the FOS, LLoyds are not the easiest of them to deal with....I know.;)

So put it into writing all your concerns and if they cannot help you, then move on to the FOS, and if your struggling and in hardship, request for fast tracking.:A.

Back later, (popping out to collect repeat prescriptions). XXXX

di3004

imnothere wrote: »

THANK YOU!!

This is exactly what I was looking for

Cool, good luck please keep us posted.;)X

sharon666

di3004 wrote: »

Hiya honey

Hope your well.

If they are not resolving anything for you, then complain to the FOS, like the same procedures as reclaiming the PPI, write to them until you receive a response or a final response, and give them the 8 weeks, it may be the case it will have to be resolved by the FOS, LLoyds are not the easiest of them to deal with....I know.;)

So put it into writing all your concerns and if they cannot help you, then move on to the FOS, and if your struggling and in hardship, request for fast tracking.:A.

Back later, (popping out to collect repeat prescriptions). XXXX

HI LOVELY DI,

HOPE YOU ARE WELL, AND YOUR FAMILY, GOOD ADVICE AS ALWAYS, LOOKS LIKE I WILL HAVE TO GO TO THE FOS ON THIS TOO, I WISH THE BANK WOULD REPLY SOON, I HAVE GIVEN THEM OVER 8 WEEKS NOW BUT, STILL NO REPLY, BUT NOT EXPECTING A POSITIVE OUTCOME, AS YOU KNOW, I HAVE WAITED NOW OVER 18 MONTHS WITH THE PPI BUSINESS, REALLY DON'T WANT TO GO TO THE FOS BUT LOOKS THAT WAY, HOPE YOUR THOOTH IS OK, LOL, THATS WHAT YOU GET FOR EATING ALL THE EASTER EGGS LOL, GOT TO BE IN IT TO WIN IT A DI, LOL, YOU GET FED OF WAITING DON'T YOU DI, I'M HAVING ONE OF THOSE I FEEL SORRY FOR MYSELF DAYS, OK NOW THOU,THANKS FOR YOUR SUPPORT YOUR WONDERFUL,,,,,
BIG HUGS TO YOU AND KISSES,
SHARON:A:A:A:A:A:A

di3004

sharon666 wrote: »

di3004 wrote: »

Hiya honey

Hope your well.

If they are not resolving anything for you, then complain to the FOS, like the same procedures as reclaiming the PPI, write to them until you receive a response or a final response, and give them the 8 weeks, it may be the case it will have to be resolved by the FOS, LLoyds are not the easiest of them to deal with....I know.;)

So put it into writing all your concerns and if they cannot help you, then move on to the FOS, and if your struggling and in hardship, request for fast tracking.:A.

Back later, (popping out to collect repeat prescriptions). XXXX

HI LOVELY DI,

HOPE YOU ARE WELL, AND YOUR FAMILY, GOOD ADVICE AS ALWAYS, LOOKS LIKE I WILL HAVE TO GO TO THE FOS ON THIS TOO, I WISH THE BANK WOULD REPLY SOON, I HAVE GIVEN THEM OVER 8 WEEKS NOW BUT, STILL NO REPLY, BUT NOT EXPECTING A POSITIVE OUTCOME, AS YOU KNOW, I HAVE WAITED NOW OVER 18 MONTHS WITH THE PPI BUSINESS, REALLY DON'T WANT TO GO TO THE FOS BUT LOOKS THAT WAY, HOPE YOUR THOOTH IS OK, LOL, THATS WHAT YOU GET FOR EATING ALL THE EASTER EGGS LOL, GOT TO BE IN IT TO WIN IT A DI, LOL
BIG HUGS TO YOU AND KISSES,
SHARON:A:A:A:A:A:A

Hiya Sharon honey, your most welcome.:A;):)

Right now what you do is complete the FOS complaints form as you do with the PPI complaints and enclose "copies of all correspondence you have", and in your situation you can request for fast tracking as well.

It does not seem that LLoyds are budging at all, so this looks like the best option you have now.
However, you could give them one more chance, give them 14 days. and tell them you are considering going to the FOS on this matter.
Then if you hear nothing then continue with the below:

http://www.financial-ombudsman.org.uk/consumer/complaints.htm
Or give them a ring if you want them to post the complaints form out to you.
Tell them how much stress this have caused you and what you have been through the last year or more, and (health as well), I think you got the drift honey).:A:A:A XXXXXXXXX