PPI Reclaiming Discussion part 4

amersall

Hi all, i have just had a telephone call from one of my card issuers, as i am out of work i had asked for reduced payments on this card , i pay 15 a month with zero interest at the mo. The guy who just phoned me said " the oft in conjunction with the new government are making cc company and banks to freeze all interest on these items and reduce the monthly payments for people who are struggling". he said they pass my details to a company, (sorry he didnt say the name,) And if i fit into this category they will send me some paperwork, i said i am fine and this is just a stop gap, he couldnt get rid of me fast enough then.Has anyone heard about this at all, methinks this is another company touting for business

SusanED_2

evie_g wrote: »

Thanks Di. I noticed someone having similar problems (might have been on the "success & failure" bit of the forum) with that company and just wanted to say try going to the FOS, they were really helpful.

Hi, i had been having problems with Santander and the FOS were really helpful to me, they comtacted the insurers to inform them there was a complaint and told me to write to a named person in a few days if they didnt contact me. I must admit it wasnt the company you are referred to but, I have now written a letter to the to see what they are going to do. FOS said if they dont respond in a way I am happy to send it all back to the FOS.

So yes, like you I found the FOS really good.

Good luck with it.

bugsy161

nickybutch wrote: »

Hi ALL,
I know i am repeating myself from a few days ago, but I need to ask a question .

Do you trust the FOS to get you the PPI refund quickly ?
Because I don't.
The reason is that the FOS has PERSONALLY ask my BANK -Egg banking Plc - NOT TO RESPOND TO ANY OF MY LETTERS OR EMAILS regarding PPI refunds.
Not even though EGG has MADE the mistakes in the first place. The FOS said that it was their FINAL RULING.
This was in a letter dated 13 AUGUST 2010. I am VERY ANGRY about this .
I thought that I would try a different attack on persistance and I thought writing to the NEWPAPERS with my complaint.
No info at present but If you find a story about EGG in the Daily Mail / Daily Mail on SUNDAY or the FINANCIAL MAIL over the NEXT FEW WEEKS let me know.
I had given them my copalint and they are going to take it from here.
I had also asked the FOS that if they do NOT comply to my requests or instructions which are in my letters or emails, they will face LEGAL ACTION for LIABEL as well.
I did get a message from the FOS saying on 16 AUGUST that somebody named NINDY SAINI CONTACTED ME DIRECTLY and had resolved my queries.
Who is NINDY SAINI ? When did she speak to me ? The ONLY CONTACT I had from EGG is MY ANNUAL STATEMENT on 6 APRIL 2010 and a BREAKDOWN the FOS asked for which was sent to me on 5 AUGUST. NOTHING ELSE. NO OTHER REFUNDS NO APOLOGIES ETC...
EGG DID NOT CONTACT ME WHATSOEVER. THIS TO ME IS LIABEL.

My Media investigation will be ongoing and I will fight to get as much money as I can from them and I will let you know of the outcome.
If I don't get some money soon, I'm afraid EGG & the FOS will be taken to the COURTS for BREACH of various LAWS.

DO YOU AGREE ?, This is not a start of a new thread or anything. It is just a simple question about trust.
Any thoughts ?

Nickybutch

My complaint was with the FOS for 3 years before it finally got resolved in my favour. Admittedly I ended up sending a letter to the chief Ombudsman, Natalie Ceeney CBE, to try and speed things up but all along I displayed my patience and finally got the result I deserved and I am sure that the FOS put extra redress on Lloyds due to my patience and understanding all along.
You are obviously angry and bitter at Egg and the FOS but I can honestly say that I feel that the FOS are fighting strongly for the rights of the consumer.

I appreciate that you are now setting a personal vendetta against the FOS and I also understand that sometime people and businesses make mistakes. The key thing is that we all learn from mistakes.

The forum on here is to help people be successful in claiming against the banks who have mis sold us PPI and I feel that the anger and tone of your blogs is creating more of a negative vibe than a positive one, especially for those new on here.

You are entitled to your freedom of speech but, from a personal point of view, I would be happy to hear the final outcome of your predicament once it has been sorted, and also once you are more constructive with you comments.

marshallka

nickybutch wrote: »

Hi ALL,
I know i am repeating myself from a few days ago, but I need to ask a question .

Do you trust the FOS to get you the PPI refund quickly ?
Because I don't.
The reason is that the FOS has PERSONALLY ask my BANK -Egg banking Plc - NOT TO RESPOND TO ANY OF MY LETTERS OR EMAILS regarding PPI refunds.
Not even though EGG has MADE the mistakes in the first place. The FOS said that it was their FINAL RULING.
This was in a letter dated 13 AUGUST 2010. I am VERY ANGRY about this .
I thought that I would try a different attack on persistance and I thought writing to the NEWPAPERS with my complaint.
No info at present but If you find a story about EGG in the Daily Mail / Daily Mail on SUNDAY or the FINANCIAL MAIL over the NEXT FEW WEEKS let me know.
I had given them my copalint and they are going to take it from here.
I had also asked the FOS that if they do NOT comply to my requests or instructions which are in my letters or emails, they will face LEGAL ACTION for LIABEL as well.
I did get a message from the FOS saying on 16 AUGUST that somebody named NINDY SAINI CONTACTED ME DIRECTLY and had resolved my queries.
Who is NINDY SAINI ? When did she speak to me ? The ONLY CONTACT I had from EGG is MY ANNUAL STATEMENT on 6 APRIL 2010 and a BREAKDOWN the FOS asked for which was sent to me on 5 AUGUST. NOTHING ELSE. NO OTHER REFUNDS NO APOLOGIES ETC...
EGG DID NOT CONTACT ME WHATSOEVER. THIS TO ME IS LIABEL.

My Media investigation will be ongoing and I will fight to get as much money as I can from them and I will let you know of the outcome.
If I don't get some money soon, I'm afraid EGG & the FOS will be taken to the COURTS for BREACH of various LAWS.

DO YOU AGREE ?, This is not a start of a new thread or anything. It is just a simple question about trust.
Any thoughts ?

Nickybutch

Nickybutch, have you tried writing a letter (or getting help with one may be better) to actually put your complaint in plain text and in an assertive manner (I know you feel you have been treated unfairly and according to Robbedofmymoney who DID calculate that you had been short changed) and not in such an aggressive one. I am not being mean here in any way whatsoever and can fully understand your frustrations (and I mean that too). I just feel that your posts come over a little shouting for help and maybe you are shouting from the rooftops but not getting heard for some reason......

I would try and get a letter together (with help like I say) and "ASK" FOS or even EGG to relook at your complaint as it must be killing you knowing you have been ripped off and no-one is helping you. Perhaps you could "ask" it go higher at the Ombudsman Service and make another "different" complaint which would mean starting from scratch maybe again. I know its not what you want to do but it may be your only option here.

Good luck

karen1998

THE company i got loan of tells me they did not sell me the ppi and the company that did sell me ppi are no longer in buisness. What can i do.

di3004

karen1998 wrote: »

THE company i got loan of tells me they did not sell me the ppi and the company that did sell me ppi are no longer in buisness. What can i do.

Hi Karen

whoever set up and sold you the policy would be the ones you pursue, so if these have now gone under, and are not listed with the financial compensation scheme (FSCS), maybe you could contact the Financial ombudsman service (FOS) for advice and ask on the best direction to take with this one.
The FOS normally then suggests taking it the insurer/underwriter direction as another avenue.

First of all check with the FSCS, if not joy then contact the FOS, and they will advice you.
http://www.fscs.org.uk/contact-us/

http://www.financial-ombudsman.org.uk/contact/index.html

If the business were not regulated/governed by then they would not be listed through the FSCS to make a claim, nor the FOS - but the FOS can still give you advice on where to take this.

Don't give up on this yet, there are ways aroung this.
Good luck.;)

karen1998

Thanks for the reply the company was finance solutions and there are still companies with this name still operating on line.

evie_g_2

Hi Susan ED,
Was that a different company to Lighthouse for your agreement with GE Capital?

SusanED_2

evie_g wrote: »

Hi Susan ED,
Was that a different company to Lighthouse for your agreement with GE Capital?

Hi Evie
Yes it was, the company and name I was given by the FOS was
Mr Keane
Financial Insurance Company Ltd, Building 11
Chiswick Park
Chiswick High Road
London W4 5XR.

The FOS highlighted the name, in very small print on the bottom of the document sent to me by Santander. This was for two storecards originally by GE Captial - BHS and House of Fraser back in the 90s

di3004

karen1998 wrote: »

Thanks for the reply the company was finance solutions and there are still companies with this name still operating on line.

Hi Karen

According to companies house search, these appear to be active, if you have any paperwork, check if the number matches this one below....

Name & Registered Office:
FINANCE SOLUTIONS LIMITED
3, THE LYNHER BUILDING
QUEEN ANNE'S BATTERY
PLYMOUTH
DEVON
PL4 0LP
Company No. 03793923


Status: Active

Karen, I had this problem with a company too, it was Called Click, they have so many running, yet the one I used dissolved, and the same director/manager are running them too.
I can understand how frustrating this is for you, but do check the company number, if this is the one then write to them again with any "copies" not originals of paperwork you may have to prove they are the company that mis sold you your policy.