PPI Reclaiming Discussion part 4

frivolous_fay

Greyskull... if you see this post - go here:

http://forums.moneysavingexpert.com/showthread.html?p=18865719#post18865719

sh24

decipher29 wrote: »

Thanks for replying pinknico


Its been two weeks since i had the "ppi refund letter" and i ve got an account with them so won't receive cheque it will just get paid into my account.

Anybody else can chime in.

Hi there

I've just sent off my first letter to halifax with regard to a loan i took out with them almost 4 years ago. Your case seemed pretty straight forward, just wondered what grounds of misselling you were claiming on?

Cheers x

jojo1964

pinknico wrote: »

Hello Jojo, Di is having computer problems today so a few questions:
Is this FirstPlus? address should be ok but post up the address you sent it to .
Did you just ask for agreement and send£1 ? Or all documents and £10 ?


If you ring them please follow this up with a letter as it is possible they will deny receiving a phone call but a letter can be tracked.
Hopefully Di will be back online soon!

It was my present agreement plus any previous agreements i requested and sent £1, the adress i sent it to was
FirstPlus financial group PLC
The Avenue Business Park
Pentwyn
Cardiff
CF23 8FF


Post has just arrived and nothing recieved from them, even though the letter was recieved and signed for on the 3rd of this month.


Next step, i assume, is to ring them?


Just phoned them, it comes up as UK Secured lending, still FP though, copies of previous agreements will be sent out first class today, so will wait to see if they arrive.

pinknico

Yes no harm in ringing them, make sure you get a name of who you are speaking to and follow it up by letter even if they say,"were sending them out today" lol

jojo1964

pinknico wrote: »

Yes no harm in ringing them, make sure you get a name of who you are speaking to and follow it up by letter even if they say,"were sending them out today" lol

I must have updated as you posted, ill wait to see if they arrive.

pinknico

Glad you are geting somewhere.

jojo1964

pinknico wrote: »

Glad you are geting somewhere.

That remains to be seen, but determined not to be fobbed off, starting on the in-laws loans now, then will look at my credit card charges...........

showergirl

Hi everyone

I have been reading the posts and I am sorry to see you are not getting along. At first this site was great offering help and advice when needed and I have found you guys a great support to me.

What is really annoying me is that some people have disappeared from this site. Do you not think this is what these financal instutions want. If communication breaks down amongst ourselves then they have won. I know people opinions may differ but thats life. I can understand the frustrations many are going through and I sympathise with them but we MUST all stand together and fight this cause and help people when they need it.

I hope this post has not caused offence as it is not pointed at anyone in particular. You have all been a great help to many on this site and what one persons veiw may help in some cases it may not help in others.

Let's get back to fighting the banks etc and not ourselves

katielam1980

Hi Everyone,

Just wanted some advice about reclaiming PPI from 2 of my credit cards.
First one is a Natwest credit card, I've had this card since 1999. I only found out about 2 weeks ago that the payment protection was optional!! Being young at ther time, I assumed that the payment protection was part of the package and I was not told otherwise. I called them yesterday to ask for a copy of the original agreement but they just said they don't have it! Do I have to get a copy of the original agreement before I can start writing to them requesting my money back? Any other advice would be great too!

Thanks

di3004

LilacPixie wrote: »

anyone around for a bit of help??

Long story short. PPI reclaim submitted loan and HP with same company, company concerned upheld complaint, said loan needed rewritten but as loan was settled but HP wasn't it would take time to unravel mess. This was in writting and verbally.
I chased weekly still no further forward. I did official complaint to their head office regarding time scale for payout. HO replied and said they were declining my complaint regarding mis-selling. I responded saying but you already agreed, here is a copy of the letter saying so. The replied saying No PPI reclaim is denied. It also had a delightful paragraph saying if i complained to the ombudsman they would request complaint is refused on the grounds of timewasting. The letter then also continued by 'reminding me' of the charges that could be payable for things like letter and missed payments ~( never have missed a payment and there is only 2 to go). I personally considered this to be threatening.

I have put in a complaint to the ombudsman who have replied saying the company concerned says I used a 'broker' which I never ever did, i attended their own branch personally. The FSA has sent the complaint to the 'broker' who have phoned me and said that they don't understand why i have complained about them as I have has no dealings with them at all which obviously I haven't. The brokerage company says it will reply to the FSA stating they have never had dealing with me.

Is this common behaviour from lenders towards the FSA??

Hi there

Sorry to hear of what your going through here.

Have you ALL the paperwork/documents for this finance?

If you've not done so already, as I note you state they said you used a broker, I think maybe a Subject Access request (SAR) may confirm all this.

If this was over the last 6 years the SAR should supply all the data they have on you.

Someone else may possibly post up here with more useful ideas here but an SAR can be useful for this matter, you will find the template letter for an SAR on the thread with details, please post up if you require any further info here, good luck hun.;)