PPI Reclaiming Discussion part 4

di3004

Munichjoolz wrote: »

Hello again! About a month on from my first couple of posts and I've just received the information about my account from the Halifax - SAR letter worked! Some of it dates back to 1998 (the date the account was opened) and it consists of some statements, lots of screen shots and database listings of things like changes of address, missed payments etc. which should be useful. As I've been out of debt for four years now having this stuff in the house again has made me uneasy but I've got the questionnaire ready and I'm going ahead.

I estimate from looking at a few of the monthly payments that I paid around 2000gbp in PPI over ten years, although I'm hoping I don't have to calculate this accurately as I don't understand much of the paperwork. I gather that the paperwork will be required at the Ombudsman stage?

I'm still waiting for a reply to the SAR letter I sent to Santander.

Munichjoolz

Hi there

Good luck on your reclaiming.

The paperwork maybe required if you do complain to the FOS, for instance if the business your complaining about does not resolve your complaint in your favour by the final decision, then you only send copies of the paperwork and not the originals.

I assume then you are prepared to make a reclaim with your reasons, by completing the FOS questionnaire, remember to send to the one responsible for the mis selling and keep a copy for yourself as well, in case you need to refer to it later on, or also send a copy of this to the FOS as well - if it comes to this.

There is another form to complete if not resolved, this is called a FOS complaints form, not to get confused with the FOS Questionniare.;)
Good luck.

di3004

amersall wrote: »

Hello yes havent i just ?;);) i have that lazy di to thank :rotfl::rotfl:leaving me to my own devices :eek::eek: only kidding di :A:A you know i am :)

LMAO.........:rotfl::rotfl::rotfl::rotfl::D

Actually your not wrong........:eek::o:D, my fingers have been idling on me the last few days......really!:eek:.:rotfl:

amersall your amazing.:T:j:A.

Was meant to post on this earlier, but my fingers idled again.:rotfl::rotfl::rotfl:X

Dazzarazza

Less than 2 weeks after sending off my questionaire egg have sent me a letetr offering a full refund of my premiums paid plus interest,

PPI Premium on loan £2338.10
Less any PPI premium refund taken off loan £71.57
Refund of interest charged on PPI premium at contractual rate £582.57
Total refund due = £2849.10

Does this all add up? Sorry not a clue hahah and should I accept?

Sorry I did the maths, not thinking straight hah.. just the bit about the less any premium taken off the loan I am unsure of.. is this because the ppi would have been front loaded on the loan.. so my loan will reduce by 71.57 too?

di3004

Dazzarazza wrote: »

Less than 2 weeks after sending off my questionaire egg have sent me a letetr offering a full refund of my premiums paid plus interest,

PPI Premium on loan £2338.10
Less any PPI premium refund taken off loan £71.57
Refund of interest charged on PPI premium at contractual rate £582.57
Total refund due = £2849.10

Does this all add up? Sorry not a clue hahah and should I accept?

Hi Daz and well done to you!:beer:

Yes it all adds up to be fine here.

2338.10 - the premium already given £71.57 = 2266.53
+ interest amount of £582.57, that then adds up to be = £2849.10.

Congratulations!:beer:

Dazzarazza

di3004 wrote: »

Hi Daz and well done to you!:beer:

Yes it all adds up to be fine here.

2338.10 - the premium already given £71.57 = 2266.53
+ interest amount of £582.57, that then adds up to be = £2849.10.

Congratulations!:beer:

Thanks Di I am in shock, so quick and no argument, compared to others I have read about I expected a fight...

di3004

Daz, the amount adds up to be just fine, so just as long as you feel your happy then of course accept, if you think anything is amiss its always best to check on these things first.;)

di3004

Dazzarazza wrote: »

Thanks Di I am in shock, so quick and no argument, compared to others I have read about I expected a fight...

I think its fab, so happy for you.:j:T

Dazzarazza

di3004 wrote: »

I think its fab, so happy for you.:j:T

Thanks Di, now for Natwest.. I will be over the moon if that comes in, two claims.. had another letter off them today, which must be for the other claim, bog standard response thing.. Ben Ryan again hah x

di3004

Dazzarazza wrote: »

Thanks Di, now for Natwest.. I will be over the moon if that comes in, two claims.. had another letter off them today, which must be for the other claim, bog standard response thing.. Ben Ryan again hah x

I'm sure you will do okay Daz.;)

The so called Ben Ryan LOL........the amount of times I have heard that one by lots of others lol.

TREVOR_REES

marshallka wrote: »

as this was after regulations of insurance took place in jan 2005 and your broker is not trading you should now be able to take the complaint yourself to the fscs.



you should also be allowed to walk away from your contract with solicitors as it has been dragging for 2 years and changed solicitors etc free of charges regardless of contracts i would think.

Can i ask who your solicitors were and what contract you signed with them. Its actually easy to deal with your complaint now as its with the fscs and if loans.co.uk are declared in default (i have checked though and there is nothing as yet as i can see!!!) and on their register you should be able to seek your compensation that way.

Do you know a date when they ceased trading perhaps???? I know that mbna own them since 2005??? I think they may still be trading actually according to posts on here.

Domain name:
Loans.co.uk

registrant:
Mbna europe bank limited

registrant type:
Uk limited company, (company number: 2783251)

registrant's address:
Stansfield house
chester business park
chester
ch4 9qq
united kingdom

thanks marshallka,
the 3 solicitors are,heenans,james & beckett, and currently black lion law. It is on a no win no fee basis and i never signed into any contract, i have asked black lion law if heenans and james and beckett are owed any money for any work they carried out and they said they couldnt get in touch with them as they had ceased trading. BLACKLION LAW rang loans.co.uk today only after i chased them 1st and they said that they had ceased trading now for 1year , i then explaine that loans.co.uk had admitted liability dec 2009 so they could not have ceased trading 1yr ago