PPI Reclaiming Discussion part 4

amersall

di3004 wrote: »

What are you like?:rotfl::rotfl::D

well di, i have to make a few quid where i can :p why should bankers get all the cash?:rotfl:

di3004

amersall wrote: »

well di, i have to make a few quid where i can :p why should bankers get all the cash?:rotfl:

Hmmmmmm now that is soooooo true lmao :rotfl::rotfl::rotfl:

Happy_David

well i posted my template letter today, after I got their refusal, so lets see what comes back, then I will pass this over to the FOS and see what they say.............. watch this space.

Ok, a quick update, I have just spoken to the FOS, and they are interested and i now have a ref. number.

di3004

Happy_David wrote: »

well i posted my template letter today, after I got their refusal, so lets see what comes back, then I will pass this over to the FOS and see what they say.............. watch this space.

Good luck with this David, keep at them, there are ways around this.;)

bugsy161

di3004 wrote: »

Hi there

Was it just recently you informed them of hardship/ill health, or did you do this from the start?

Blimey you have been waiting a good while haven't you?#


I do hope they move on with this one very soon, keep on at them as well, good luck.;)

It was about 4 weeks ago that I informed them.

di3004

bugsy161 wrote: »

It was about 4 weeks ago that I informed them.

I would keep in touch with them at regular intervals then.

One of ours was allowed on an hardship criteria, even though it still taken some time before they dealt with it, it was still pushed through quicker than what it would have been.
I did tend to get in touch with them fortnightly.;)

BigCraigJohn

Would anyone possibly know an email for black horse complaints?

di3004

BigCraigJohn wrote: »

Would anyone possibly know an email for black horse complaints?

I am not 100% but thought it was the same as the lloyds addy address, hopefully someone will know and confirm.;)

bugsy161

di3004 wrote: »

I would keep in touch with them at regular intervals then.

One of ours was allowed on an hardship criteria, even though it still taken some time before they dealt with it, it was still pushed through quicker than what it would have been.
I did tend to get in touch with them fortnightly.;)

Thank you for all your support Di. Dont know where I would be without everyones advice and support on here.
I have just been informed that I am having to take a further pay cut at work and this, coupled with the debt left by my divorce, and the 2 and a half years since my complaint went to the ombudsman has left me on the verge of a nervous breakdown.
I am seeing the doctor again tomorrow and have phoned the FOS today to let them know the situation as well as sending them a confirmation letter.
I have offered them to see my doctors notes, my list of creditors, my finances, my medication.....basically whatever they want to see to confirm that I am not trying to pull the wool over their eyes in order to speed up the process.
The FOS does state that they will try to speed things up if...... The consumer would face particular financial difficulties because of any delay.
or Any delay would add significantly to the distress and inconvenience suffered by a consumer – or would have an adverse effect on their health.
I consider myself to be well and truly in both of these categories but there is little more that I can do now than cross fingers and toes in the hope that the process can speed up and the Ombudsman agrees with the adjudicator in my favour, and the redress from Lloyds can take me back to the times of sanity that at present seem such a distant memory.
I will keep you updated as to how things go.
Thanks again.

amersall

bugsy161 wrote: »

Thank you for all your support Di. Dont know where I would be without everyones advice and support on here.
I have just been informed that I am having to take a further pay cut at work and this, coupled with the debt left by my divorce, and the 2 and a half years since my complaint went to the ombudsman has left me on the verge of a nervous breakdown.
I am seeing the doctor again tomorrow and have phoned the FOS today to let them know the situation as well as sending them a confirmation letter.
I have offered them to see my doctors notes, my list of creditors, my finances, my medication.....basically whatever they want to see to confirm that I am not trying to pull the wool over their eyes in order to speed up the process.
The FOS does state that they will try to speed things up if...... The consumer would face particular financial difficulties because of any delay.
or Any delay would add significantly to the distress and inconvenience suffered by a consumer – or would have an adverse effect on their health.
I consider myself to be well and truly in both of these categories but there is little more that I can do now than cross fingers and toes in the hope that the process can speed up and the Ombudsman agrees with the adjudicator in my favour, and the redress from Lloyds can take me back to the times of sanity that at present seem such a distant memory.
I will keep you updated as to how things go.
Thanks again.

You are up against it arent you?:( hope this gets sorted for you pretty quick.
There is a light at the end of the tunnel and you will get there in the end:)
Banks shouldnt be allowed to get away with this.
If i were you i would put a seperate complaint into fos and lloyds. about the length of time this has taken, and the problems with your health, dont know if this will help things along,but might make you feel better
I believe they get fined for each complaint? hope they do and at least you know they will have to pay.
When this is dealt with you need an extra payment for suffering, with the length of time etc
Have everything crossed for you, please keep us posted x