PPI Reclaiming Discussion part 4

cheerios_2

Hi thanks for the quick responses

A&L and Lloyds TSB informed me it will cost £1, however, I have called Direct line again and they confirm that it is £10 because their archive information are stored off site and that is the cost for them to retrieve it (I specifically said a copy of the agreement and not any recordings of phone calls). Am I getting conned?

Cheerios

Jomo

amersall wrote: »

Hi there and welcome. Well done for doing this your self, you will get all the help you need from this site.You can write to these and request agreements the charge will be £1. for each.If i were you i would do cards and loans at the same time then you will have all info. With cc you could just ask for last statement and pay what they charge, that is up to you.When you get a reply please let us know and we will take it from there.Send these by recorded delivery.

Damn, I forgot to insert my cheques

di3004

cheerios wrote: »

Hi thanks for the quick responses

A&L and Lloyds TSB informed me it will cost £1, however, I have called Direct line again and they confirm that it is £10 because their archive information are stored off site and that is the cost for them to retrieve it (I specifically said a copy of the agreement and not any recordings of phone calls). Am I getting conned?

Cheerios

Hi there

It is correct paying £1 for just the agreement, and £10 as requested for within a SAR if you require more information, if they cannot provide the disc, then written transcipts they should enclose of the calls, letter template of SAR here:
https://forums.moneysavingexpert.com/discussion/1475553

Hope this helps.;)

di3004

Jomo wrote: »

Damn, I forgot to insert my cheques

Hi there

If you have kept a copy of the letter, then just re-send with the payment.;)
Good luck.

victorianclare

Hi everyone,
Need a bit more advice please.
I've had my first letter of reply from Capital One today.
I sent a letter and the FOS form in mid-June. They're asking for another 10 weeks to investigate today. They say in the letter that I can go to the Ombudsman now if I wish or wait for them to come back to me within 10 weeks.
has anyon eexperienced anything similar? I wonder is this just a stalling technique?
I've read that the Ombudsman can take up to a year to resolve complaints, so is it worth waiting to see if Capital One will resolve it?
Thanks,
Clare

di3004

victorianclare wrote: »

Hi everyone,
Need a bit more advice please.
I've had my first letter of reply from Capital One today.
I sent a letter and the FOS form in mid-June. They're asking for another 10 weeks to investigate today. They say in the letter that I can go to the Ombudsman now if I wish or wait for them to come back to me within 10 weeks.
has anyon eexperienced anything similar? I wonder is this just a stalling technique?
I've read that the Ombudsman can take up to a year to resolve complaints, so is it worth waiting to see if Capital One will resolve it?
Thanks,
Clare

Hi Clare

Yes, sometimes they can ask for more time, so its up to you if your prepared to wait that long or continue to complain to the FOS.

It may be worth waiting, its up to you, good luck.;)

nickybutch

Hello Amersall,
Thank you for your quotes but I 'm afraid it will NOT help me out one single bit.
I am in an IVA because of this debt to them and other creditors whic I will not mention. The IVA claim is correct at time of IVA launch (March 2007).
This PPI refund is AFTER that date.
The amount that was sold onto another company is WRONG and does NOT appear on my statement breakdown which I received last week.
The difference in the 2 amounts are £384.71. Why the 2 different amount I do NOT know, how they got the figure £10620.03 again I do NOT know.
Under the FSA rules, I AM entitled to the WHOLE of the PPI refund that is 100%, I got 53.2% without the payment of ANY interest which again I am entitled to.
Egg HAS breached the FSA ruling upon this matter AND MUST pay me the rest of the money.
The figures in my earlier post is CORRECT with my first response from Egg in October 2009, April 2010 and 5th August 2010.
My loan account was given to APEX CREDIT MANAGEMENT in May 2010.
As far as I know and with advice from some of my friends, EGG owes me the REST of the PPI and MUST CLAIM on the LOAN and ONLY the LOAN.
They have NOT reset my LOAN. They first took of the PPI then PUT it BACK on again, the INTEREST was TAKEN OFF and then PUT BACK ON and NOW a different amount?
I'm sorry, but this is NOT right. I am entitled to the WHOLE 100% of the PPI premium with them just having the loan.
EGG owes me £1777.96. I did NOT get as a refund the amount which was quoted to the FOS as my FULL refund. I am £261.96 SHORT. They still owe me this & the interest of £504.01
The FOS are going to RE-OPEN my case which was closed in February this year and they are waiting for more information from Egg.
I have sent the FOS all my EVIDENCE and as much information I have by post. I am now waiting on their response.

Nickybutch

kernow321

Good afternoon everyone,
Completely 'New' to this so thank you fro your patience!

I'd like to ask for advice on reclaiming.
Basically I had a car loan in 2002 and paid off 21.1.2005.
The payments were £234 a month with Black horse for a loan of £5,000 - £6,000.
How can I get hold of my loan info as I currently cant find it?
Is there away to find out if I was paying insurance as I can't remember 100%.

I'd appreciate any help on these matters.

Many thanks
Kernow.

MEllis5377

Hi All,

Firstly I have to confess to being very money ignorant through my 20's and now I'm in my early 30's and with a family that's all changed. I have no loans or debts (other than this card), just my 16 year mortgage. However I still have this one and only credit card from my late teens. A Natwest Mastercard taken with miss sold insurance in 1998.

I've been paying just the minimum amount for the the £3000 limited card for at least 5/6 years and I'm now in a position to pay the card off in full and am wondering if I'd be able to put in a claim for miss sold insurance for such an old account?

Has anyone had a similar claim?

Regards and thanks for such a wonderful website and impartial advice or its users
MEllis5377

cheerios_2

Well I've only recently started my campaign! so to speak. call them first and see if they still have your details, they will search on their system for your records. if they find it, you can get your agreement number over the phone, then send in a cheque of £1 to request a copy of the agreement you had with them. if not, like me i have given them as much info as possible in a letter for them to find my details. hope this helps