PPI Reclaiming Discussion part 4

di3004

PAUL67 wrote: »

The address you need to write to is the St Williams House Cardiff one the full address is on the reply sent by Di.

I sent them my letter of complaint (not registered post) on the 27th March 2010 and i had a letter back from them within 5 days stating they will look into my complaint.

I think the fact that you have posted yours to your local office would suggest that it has just been lost in the system somewere.

Thank you so much for confirming this Paul.:beer:

trish123

Hi have tried to ggogle an address for mbna credit cards to na avail any help please?

di3004

trish123 wrote: »

Hi have tried to ggogle an address for mbna credit cards to na avail any help please?

Not sure if this is the correct address as found on companies house, if you have any documentation see if the company number match.;)


Name & Registered Office:
MBNA DIRECT LIMITED
STANSFIELD HOUSE
CHESTER BUSINESS PARK
CHESTER
CHESHIRE
CH4 9QQ
Company No. 02922208

di3004

Trish also found phone number for these on FSA register, give them a call to make sure, good luck.

Tel: 01244 672 000

trish123

Di you are a wee star thanks a lot

di3004

trish123 wrote: »

Di you are a wee star thanks a lot

Your very welcome Trish.:beer:
Good luck.

Ravikrishna97

Hi.. I don't know whether somebody could guide us.
My bro-in-law took a loan in Lloydtsb in August 2007 and he was forced to take a PPI. His English language knowledge is limited, hence he could not fully argue or understand what he is entering into. Well ! Even English natives could not understand the Bank/Insurance companies lingo and other terms and condtions.
So when we came to know that he is being ripped off in the form of PPI, we deceided to cancel the PPI. With our limited knowledge, we approached Lloydstsb in the same way as any common man would do, i.e. by going to the very same branch where it was sold. We have been driven from pillar to post in so many ways and finally (After two long months!) finally we managed to lodge a complaint.
As usual the complaint was rejected with no valid reasons. They wrote in so many words about how they practice the correct procedures etc., which we could hardly understand. However, on the final paragraph they wrote,saying that in view of the good will gesture, they are ready to offer 60% of the PPI premium paid so far.

But they added insult to the injury by producing a document which my brother-in-law, alledged to have seen and signed during the time of taking the loan. Unfortunately, this document happens to be a forged or created later , when we complained.

The reason for saying this is, this alledged document has the present address of my bro-in-law, where as when he took the loan and PPI, he was living in a different address in a different county. And on top of that it does not carry my bro-in-law's signature any where in the document.

The Loan and PPI was taken in Aug-2007, when he was living in a different address. He moved into a new address in July 2008 only. So, how come lloydstsb is producing a document which suppose to have been seen by my bro-in-law with the new address in 2007 itself? (I hope I have made my point clear!!).

So when we wrote to them about this, Lloydstsb Insurance, refuse to acknowledge our communication. When we contacted them yesterday (19-05-2010), the person on the phone, reiterated that they stand by the final decision and they refuse to discuss further.

Now, we know that we can go further and start complaining to FOS, which I have already started.
Other than this, what else we can do?
How come a such huge banking and Insurance institution can create/produce/forge a false document to suppliment their claim and decision?
Is it not a criminal offence?
If a common man does the same, will he/she not be punished?
This whole episode has brought in huge stress and mental agony on my bro-in-laws family.
Incidently, his wife took a loan of £5000 in 2008 and she was also sold a PPI. The ppi premium was almost 50% of the loan if it ran the full course. When she complained, not only her complaint was upheld, she was awarded a full refund along with appropriate interest on those payments,as Mr. Martin Lewis mentioned.

In the above scenerio, what shall we do?

di3004

Ravikrishna97 wrote: »

Hi.. I don't know whether somebody could guide us.
My bro-in-law took a loan in Lloydtsb in August 2007 and he was forced to take a PPI. His English language knowledge is limited, hence he could not fully argue or understand what he is entering into. Well ! Even English natives could not understand the Bank/Insurance companies lingo and other terms and condtions.
So when we came to know that he is being ripped off in the form of PPI, we deceided to cancel the PPI. With our limited knowledge, we approached Lloydstsb in the same way as any common man would do, i.e. by going to the very same branch where it was sold. We have been driven from pillar to post in so many ways and finally (After two long months!) finally we managed to lodge a complaint.
As usual the complaint was rejected with no valid reasons. They wrote in so many words about how they practice the correct procedures etc., which we could hardly understand. However, on the final paragraph they wrote,saying that in view of the good will gesture, they are ready to offer 60% of the PPI premium paid so far.

But they added insult to the injury by producing a document which my brother-in-law, alledged to have seen and signed during the time of taking the loan. Unfortunately, this document happens to be a forged or created later , when we complained.

The reason for saying this is, this alledged document has the present address of my bro-in-law, where as when he took the loan and PPI, he was living in a different address in a different county. And on top of that it does not carry my bro-in-law's signature any where in the document.

The Loan and PPI was taken in Aug-2007, when he was living in a different address. He moved into a new address in July 2008 only. So, how come lloydstsb is producing a document which suppose to have been seen by my bro-in-law with the new address in 2007 itself? (I hope I have made my point clear!!).

So when we wrote to them about this, Lloydstsb Insurance, refuse to acknowledge our communication. When we contacted them yesterday (19-05-2010), the person on the phone, reiterated that they stand by the final decision and they refuse to discuss further.

Now, we know that we can go further and start complaining to FOS, which I have already started.
Other than this, what else we can do?
How come a such huge banking and Insurance institution can create/produce/forge a false document to suppliment their claim and decision?
Is it not a criminal offence?
If a common man does the same, will he/she not be punished?
This whole episode has brought in huge stress and mental agony on my bro-in-laws family.
Incidently, his wife took a loan of £5000 in 2008 and she was also sold a PPI. The ppi premium was almost 50% of the loan if it ran the full course. When she complained, not only her complaint was upheld, she was awarded a full refund along with appropriate interest on those payments,as Mr. Martin Lewis mentioned.

In the above scenerio, what shall we do?

Hi there

To be honest this is just what LLoyds TSB is like, but I am sorry to hear of their plain ignorance towards this.

What I would do now is write back to them, tell them you WILL be going to the FOS to complain with ALL the evidence you have to support the case. (In your brother in laws case then).
And make them aware if the case is successful, they will incur of paying out further charges to the FOS.

I would also tell them that you are also aware that the FSA (Financial Services Authority) are investigating banks who have been rejecting customer's complaints "for not investigating them properly", and you believe your complaint have been totally ignored/overlooked, because they have not given a genuine reason/finding to have this complaint rejected and have only spoken of themselves and not in interest of the customer.
( this may make them think again)!

I do feel you have a strong case here and you never know, whilst informing LLoyds what your going to do now there is a chance they may even change their minds, but do not quote on this.
I would still continue with the FOS.

So, you can now complain to the FOS in a few ways, you can do this over the phone/ask them to send you a complaint form through the post or download/save and print online.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
Save copies of everything.

I am sure your brother in law will be successful in the end here.
Oh, do also mention on the form of distress and inconvenience redress as well, for what LLoyds have put your brother in law through.;)

Good luck - please keep us posted.

Also Congratulations to your brother in laws wife on her success.:beer:

Di

BigCraigJohn

Black horse SAR through. 2 agreements no ppi however on the 3rd there is . Pre ticked box added without my consent.
Not going to be much as it was only £700 total loan but it all counts.
Come to think of it the bloke that sold it was just a music shop salesman.

Susan-B_2

Hello everybody,

I'm trying to reclaim what I believe to be missold insurance for two personel Egg loans.

The first loan was taken out in June 2003. I was told over the phone that I had to take the insurance to be eleigible. I topped this loan up in September 2008, this time I was not requested to take any insurance with the new loan agreement.

I again topped up this loan in May 2004 and this time I had to take the insurance. The loan was completely paid off in August 2008.

I have no paper work for any of these loans - just the account numbers - so I sent Egg a letter requsting copies of the credit agreements. They have replied saying:

"The right to be provided with this information ended with the closure of the account."

So I won't be getting a copy of the credit agreement. Is this fight over for me now? What should I do next?

I'd really appreciate any help or advice you guys could give me!
-Susan