PPI Reclaiming Discussion part 4

Caroline_a

oops, think I've just seen the answer to my question... yes i do send it back to Egg... :embarasse

di3004

Caroline_a wrote: »

Probably me just having a senile blonde moment but do I send the Ombudsman's questionaire back to Egg?

PS thank you all for your help!! if I get this back it will be a big help to my finances!

Your very welcome and EGG it is.:)

The best of luck x

k77mss

di3004 wrote: »

Hi there

Yes write to them and make them aware that you "do" have the paperwork and you enclose "copies" of them for them in order for them to continue to investigate your complaint.

If they still refuse, then complain to the FOS, you could tell them if you don't here by a certain date you will make a complaint to the Financial ombudsman service (FOS), and enclose copies of evidence you have.

Hope this helps, good luck.;)

thanxs for that just what i thought got it all ready to post this afternoon here goes ding ding round 2 fingers crossed

di3004

k77mss wrote: »

thanxs for that just what i thought got it all ready to post this afternoon here goes ding ding round 2 fingers crossed

LOL, good one:D:T and fingers crossed X

bugsy161

di3004 wrote: »

LOL, good one:D:T and fingers crossed X

Hello Di,
Hope you are well?
I am still fighting Lloyds against the way in which they worked out my redress.
My MP has written to Eric Daniels on my behalf asking it to be reconsidered.
The strange thing is that the FOS told me that the 10 year rule was agreed between Lloyds and the FOS yet, 2 days ago, I was informed that the Ombudsman has requested paperwork from Lloyds to clarify what method they used to calculate my redress and the same Ombudsman who originally found in my favour, will make a ruling to decide whether their working out was fair or not.
I paid £6,500 in PPI between Jan 2000 and August 2007, at an average of £72 per month. Lloyds used the last statement they had on record to determine what they paid me back from December 1999 back to October 1987. The PPI payment in Jan 2000 was £12.00 so they used this figure to apply to every month for the previous 13 years!!
I have told them in no uncertain terms that this is an untried, untested, unjust and unfair calculation and I want the average of £72.00 per month they have on record applied to each month from Dec 1999 back to October 1987, not £12.00.
I can think of no where else on the planet where an average figure would not be applied and I used the analagy of a golfer trying to get a handicap whereby if he played 10 rounds of golf scoring 24 over par and the last game he played was 10 over par he would get a handicap based on the average score over the 11 games. The way that Lloyds have approached my claim would be the same as giving the golfer a handicap of 10, based on his last game!!
I have also complained about Lloyds using my redress money to clear my credit card debt with them, and then reducing my credit limit, all without my consent, and then having the cheek to pay the balance into my account!
The 3 letters of complaint I sent to Lloyds at the end of September (all recorded delivery) have not yet been responded to. At least my MP replied within 2 days and sent his letter to Eric Daniels within the next 3 days.
I will of course keep you updated and, as I have said all along, if I have to take Lloyds to court to defend my rights, then I will.
I strongly believe that I have been treated unfairly and I also strongly believe that Lloyds TSB have acted unlawfully. It is now over 3 years since I started my fight against them and the battle is not over yet.

di3004

bugsy161 wrote: »

Hello Di,
Hope you are well?
I am still fighting Lloyds against the way in which they worked out my redress.
My MP has written to Eric Daniels on my behalf asking it to be reconsidered.
The strange thing is that the FOS told me that the 10 year rule was agreed between Lloyds and the FOS yet, 2 days ago, I was informed that the Ombudsman has requested paperwork from Lloyds to clarify what method they used to calculate my redress and the same Ombudsman who originally found in my favour, will make a ruling to decide whether their working out was fair or not.
I paid £6,500 in PPI between Jan 2000 and August 2007, at an average of £72 per month. Lloyds used the last statement they had on record to determine what they paid me back from December 1999 back to October 1987. The PPI payment in Jan 2000 was £12.00 so they used this figure to apply to every month for the previous 13 years!!
I have told them in no uncertain terms that this is an untried, untested, unjust and unfair calculation and I want the average of £72.00 per month they have on record applied to each month from Dec 1999 back to October 1987, not £12.00.
I can think of no where else on the planet where an average figure would not be applied and I used the analagy of a golfer trying to get a handicap whereby if he played 10 rounds of golf scoring 24 over par and the last game he played was 10 over par he would get a handicap based on the average score over the 11 games. The way that Lloyds have approached my claim would be the same as giving the golfer a handicap of 10, based on his last game!!
I have also complained about Lloyds using my redress money to clear my credit card debt with them, and then reducing my credit limit, all without my consent, and then having the cheek to pay the balance into my account!
The 3 letters of complaint I sent to Lloyds at the end of September (all recorded delivery) have not yet been responded to. At least my MP replied within 2 days and sent his letter to Eric Daniels within the next 3 days.
I will of course keep you updated and, as I have said all along, if I have to take Lloyds to court to defend my rights, then I will.
I strongly believe that I have been treated unfairly and I also strongly believe that Lloyds TSB have acted unlawfully. It is now over 3 years since I started my fight against them and the battle is not over yet.

Hi hon
Hope your well.
I'm not too bad thank you.

Blimey I can't believe this is still going on.........:eek:

I really feel for you!
Hope you hear some hopeful news on this soon. Please do let us know when you hear XXX

Caroline_a

Well it's all gone off in the post.... fingers crossed for me!!

di3004

Caroline_a wrote: »

Well it's all gone off in the post.... fingers crossed for me!!

Fingers crossed.;)

Dave_6

Hi all, been 10 weeks since I helped a mate send letters off to HSBC for his 2 loans with PPI.
In the last 2 months he's received 3 letters from HSBC saying they needed more time to look into things, would get back to him in a futher few weeks.

He's now received a letter yesterday saying that they cannot provide a final response at the moment..... because of the legal proceedings currently ongoing
Etc Etc Etc


Do you think it's worth taking these to the FOS straight away.... or waiting for the court case and giving the banks more time

di3004

Dave_6 wrote: »

Hi all, been 10 weeks since I helped a mate send letters off to HSBC for his 2 loans with PPI.
In the last 2 months he's received 3 letters from HSBC saying they needed more time to look into things, would get back to him in a futher few weeks.

He's now received a letter yesterday saying that they cannot provide a final response at the moment..... because of the legal proceedings currently ongoing
Etc Etc Etc


Do you think it's worth taking these to the FOS straight away.... or waiting for the court case and giving the banks more time

Hi

Give the FOS a ring first as a general query, it should be that because this complaint was ongoing before all this came about, they should be dealing with it.
So call the FOS and see what they have to suggest before actually making a complaint to them.;)
http://www.financial-ombudsman.org.uk/contact/index.html

Good luck, please keep us posted.