PPI Reclaiming Discussion part 4

di3004

Susan-B wrote: »

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

Hi Susan and welcome

Did you actually for the documents by forms of a SAR (Subject Access Request)?
This is one where you enclose £10 postal order or a cheque payment and they have 40 calendar days to comply?
There is a SAR template letter here:
https://forums.moneysavingexpert.com/discussion/1475553

Then if they are not able to supply anything they MUST return your payment and enclose a letter to explain why they cannot do this.
If they do still hold anything on you of any of the accounts its law of the Data protection act (DPA) they MUST supply the details.

So maybe its worth a go this way - then see what they come back with.

But otherwise write to reclaim anyway and see then what they have to say, because you do have the account numbers for each one of them that is fine.

You therefore complete separate complaint forms (recently issued by the Financial ombudsman service) FOS - keep copies of all in case you need to refer to them later on for some reason, and they have 8 weeks in full to respond.
You never know they may suddently find your details.;)
The questionnaire forms you will find on the guidelines of reclaiming link below, "stage one".
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

You can write cover letters if you want to, but its not essential, with these questionnaires being quite new, I understand it covers all grounds of PPI reclaiming.

Good luck, please keep us posted.;)

deeb604

Hi does anyone have an email address for welcome finance complaints dept and capital one please

metalhead2

I am almost losing the will to fight

A year on since I sent the FOS my complaint about the RBOS PPI I am nowhere hearing a resoulution to this, they have contacted me stating they are still trying to allocate me an adjucator, quite frankly I am getting fed up with this never ending wait, RBOS are quick enough to grant themselves huge bonuses but sure as hell they like drag their heels in refunding what is quite rightly mine

Any suggestions as how to bring this matter to a conclusion?

di3004

deeb604 wrote: »

Hi does anyone have an email address for welcome finance complaints dept and capital one please

Hi there

Found this here for WF

http://www.wfs.co.uk/contact_us/contactus.html

Not sure on the email contact for CAP One, but check this link here:

http://www.capitalone.co.uk/web/contact-us.jsf

Good luck.;)

di3004

metalhead2 wrote: »

I am almost losing the will to fight

A year on since I sent the FOS my complaint about the RBOS PPI I am nowhere hearing a resoulution to this, they have contacted me stating they are still trying to allocate me an adjucator, quite frankly I am getting fed up with this never ending wait, RBOS are quick enough to grant themselves huge bonuses but sure as hell they like drag their heels in refunding what is quite rightly mine

Any suggestions as how to bring this matter to a conclusion?

Hi there

Its very frustrating isn't it?

One of mine taken about 14-15 months but that was it completed.

If your in financial hardship, let them know and request for fast tracking, maybe others on here will have some other suggestions for you, hope you hear some good news soon, good luck.;)

dec22

metalhead2 wrote: »

I am almost losing the will to fight

A year on since I sent the FOS my complaint about the RBOS PPI I am nowhere hearing a resoulution to this, they have contacted me stating they are still trying to allocate me an adjucator, quite frankly I am getting fed up with this never ending wait, RBOS are quick enough to grant themselves huge bonuses but sure as hell they like drag their heels in refunding what is quite rightly mine

Any suggestions as how to bring this matter to a conclusion?

I have 2 with the the FOS for RBS as well. (Been with FOS since Feb last year) The one has just been allocated to an adjudicator. He explained that there has been a delay with RBS complaints being allocated to adjudicators due to discussions between FOS and RBS senior management although he didn't know what talks were about or the outcome.

So hopefully yours should be with an adjudicator soon!

Hang in there!

bugsy161

di3004 wrote: »

Hi there

Its very frustrating isn't it?

One of mine taken about 14-15 months but that was it completed.

If your in financial hardship, let them know and request for fast tracking, maybe others on here will have some other suggestions for you, hope you hear some good news soon, good luck.;)

January 2008, complained to FOS
January 2010, paperwork looked at by adjudicator
March 2010, paperwork now with an Ombudsman.....................
If I get to October it will be 3 years since I first put my complaint to Lloyds TSB.
Have told the FOS that I am now on blood pressure and cholesterol tablets due to stress and they are going as fast as they can.
The Lloyds customer care and Treating Customers Fairly ethos is totally non existent.

di3004

bugsy161 wrote: »

January 2008, complained to FOS
January 2010, paperwork looked at by adjudicator
March 2010, paperwork now with an Ombudsman.....................
If I get to October it will be 3 years since I first put my complaint to Lloyds TSB.
Have told the FOS that I am now on blood pressure and cholesterol tablets due to stress and they are going as fast as they can.
The Lloyds customer care and Treating Customers Fairly ethos is totally non existent.

Hi there

So sorry to hear of your health issues - and hope the FOS gets to deal with this very soon.

And don't I know it in regards of LLoyds!

Good luck with this.:);)

amersall

:mad::mad::mad::mad: here we still are, years and months after complaining :mad::mad::mad: still waiting for banks or fos :mad::mad: why cant companies be made to just pay up? i see it is the same banks that are dragging their heels :mad::mad::mad: if you have a complaint in the queue PLEASE TRY AND BE PATIENT :o:o you will get there in the end;);)
keep with it :A:A thanks for going for it :T and remember it is your money

Susan-B_2

di3004 wrote: »

Hi Susan and welcome

Did you actually for the documents by forms of a SAR (Subject Access Request)?
This is one where you enclose £10 postal order or a cheque payment and they have 40 calendar days to comply?
There is a SAR template letter here:

Then if they are not able to supply anything they MUST return your payment and enclose a letter to explain why they cannot do this.
If they do still hold anything on you of any of the accounts its law of the Data protection act (DPA) they MUST supply the details.

So maybe its worth a go this way - then see what they come back with.

But otherwise write to reclaim anyway and see then what they have to say, because you do have the account numbers for each one of them that is fine.

You therefore complete separate complaint forms (recently issued by the Financial ombudsman service) FOS - keep copies of all in case you need to refer to them later on for some reason, and they have 8 weeks in full to respond.
You never know they may suddently find your details.;)
The questionnaire forms you will find on the guidelines of reclaiming link below, "stage one".

You can write cover letters if you want to, but its not essential, with these questionnaires being quite new, I understand it covers all grounds of PPI reclaiming.

Good luck, please keep us posted.;)

Thanks for your advice - I'll send off those letters. I really appreciate your advice on this - and I'll keep going on this.:o