PPI Reclaiming Discussion part 4

di3004

Boo!! amersall :eek::eek::D:rotfl:X Did I scare you??? Tee hee hee

I'm in one of those stupid moods today.......excuse me folks....:o:p;)X

di3004

Oh yes Polkadot, Many Congratulations!:T:beer::j

bugsy161

di3004 wrote: »

Fingers crossed for you then.
They are not the easiest are they?

I remember they were messing about with one of my payouts and I told them I was getting in touch with the FSA, I did actually LOL, then suddenly within about 2 days after they paid out.:D;)X

I have all the ammunition ready if I need it.......:)

di3004

bugsy161 wrote: »

I have all the ammunition ready if I need it.......:)

That's the way Bugsy.:T:T

And we are all with you.:beer:X

robbedofmymoney

bugsy161 wrote: »

Good morning.
Thanks again for the info last week it has given me a better understanding of what Lloyds owe me.
Can I just pick your brains again.....................
The FOS have also told Lloyds to recalculate all of the payments I made on the Credit Card over the last 23 years once the PPI and interest has been removed. Am I right in thinking that this will mean I am gaining the benefit twice from the refund, as it is being paid back to me, plus interest, and also reducing my balance on the card due to the extra credit being added once the PPI has been removed.

My understanding, if I am right is that...........
As an example the balance in June 2004 was £10,249 with PPI added of £77 and I paid £204.
Lloyds have to refund me the £77 with compounded interest and then remove that figure from the £10,249, and then deduct the £204 from the reduced total.

Hopefully I am managing to get my head around this but wanted to confirm my thinking.

you are correct,

di3004

Received my letter from the Adjudicator via Hamilton Insurers.....

Dear Mr & Mrs

YOUR COMPLAINT AGAINST HAMILTON INSURANCE COMPANY LIMITED.

I refer to our recent correspondence and confirm that my enquiries are continuing. I will write to you again as soon as I am in a position to do so.

Thank you for your patience.

Yours sincerely

Adjudicator.

robbedofmymoney

di3004 wrote: »

Received my letter from the Adjudicator via Hamilton Insurers.....

Dear Mr & Mrs

YOUR COMPLAINT AGAINST HAMILTON INSURANCE COMPANY LIMITED.

I refer to our recent correspondence and confirm that my enquiries are continuing. I will write to you again as soon as I am in a position to do so.

Thank you for your patience.

Yours sincerely

Adjudicator.

your slowly getting there, at least its not a no.
i think i am in for the long haul as well with the fos and Lloyds, i reckon i am going for bugsys record :eek:. 6 months still no adjudicator.
still, its gaining 8% all the time :j:j

di3004

robbedofmymoney wrote: »

your slowly getting there, at least its not a no.
i think i am in for the long haul as well with the fos and Lloyds, i reckon i am going for bugsys record :eek:. 6 months still no adjudicator.
still, its gaining 8% all the time :j:j

Hiya

This one have been with the FOS since last October 2009, and its only just recently been moved on to the adjudicator.

My very first one taken up to about 14-15 months.

Hope you hear some news soon.;)

bugsy161

robbedofmymoney wrote: »

your slowly getting there, at least its not a no.
i think i am in for the long haul as well with the fos and Lloyds, i reckon i am going for bugsys record :eek:. 6 months still no adjudicator.
still, its gaining 8% all the time :j:j

I hope that you dont break my record................925 days with the FOS before I got the Ombudsman final decision!!!!!!!!!

di3004

bugsy161 wrote: »

I hope that you dont break my record................925 days with the FOS before I got the Ombudsman final decision!!!!!!!!!

Yeah that was a VERY long time :eek: