PPI Reclaiming Discussion part 4

Footiemad_2

di3004 wrote: »

Too damn right :j! They have already got away with the charges side of it!

Oh and please don't get too dizzy :eek::D:rotfl::rotfl::rotfl:, i do know that feeling :rotfl::rotfl: Xxxx

Some would say its far too late as I am already there. Got the nickname DOT a few years back..7 to be precise and I wasn't that old then...:rotfl::rotfl::rotfl:

D.O.T. stands for Dizzy Old Tart:rotfl::rotfl::rotfl:How very dare they.

Fingers crossed once again that we shall be celebrating in style when the pennies come rolling in.:A:Dxx

Footiemad_2

jackaboy19 wrote: »

Hi, this is my very first post! I'm a little confused about a couple of things and wondered if anyone could help (sorry if I'm repeating stuff already on the forum, but there's just so much info).

First - about the judicial review. If the BBA are questioning the FSA's instructions to get them to contact anyone they sold PPI to in the past because they think that is unfair...why are they holding back the claims that have already been made? Is there something else in the judicial review that would let them reject those claims?

Second - my claim is on a credit card I had with Abbey. I now log on through the Santander site but it takes me to MBNA. If my card was with Abbey (now Santander) and Santander aren't putting their PPI claims on hold, why is mine on hold?

I did get a full refund through Tesco :T so thanks MSE.

Well done on the Tescos win:T:T And good luck with the others.:D

Footiemad_2

marc3 wrote: »

I am somewhat embarrassed to ask the question-and indeed have a sense of guilt;but i had PPI on all of my credit cards.

Unfortunately-following a business failure-i had to declare myself bankrupt (now discharged)

I went bankrupt owing credit card companies money (no-one else-just credit card companies )

Somewhat cheeky and arguably distasteful-but as i understand it-if this ruling is upheld-the credit card companies and banks need to pro-actively contact the 'purchaser of PPI.

Is it likely-having been bankrupt and owing to credit card companies-that they will still need to write to me and possibly offer me a refund-even though i owe them ?

It could be argued that by having PPI (which i never used the 'benefit' of) it added additional interest to my accumulating credit card debt-and had i not had PPI my interest would have been alot lower, my balance outstanding on credit cards reduced and i may just have avoided bankruptcy itself

Any views ?

thank you

Hi Marc3

Welcome. Sorry I cant help you with this one, someone will be along later in the day to give you some sound advice or point you in the right direction.

Just didnt want to read and run. Hope you get the answers you are looking for.

amersall

marc3 wrote: »

I am somewhat embarrassed to ask the question-and indeed have a sense of guilt;but i had PPI on all of my credit cards.

Unfortunately-following a business failure-i had to declare myself bankrupt (now discharged)

I went bankrupt owing credit card companies money (no-one else-just credit card companies )

Somewhat cheeky and arguably distasteful-but as i understand it-if this ruling is upheld-the credit card companies and banks need to pro-actively contact the 'purchaser of PPI.

Is it likely-having been bankrupt and owing to credit card companies-that they will still need to write to me and possibly offer me a refund-even though i owe them ?

It could be argued that by having PPI (which i never used the 'benefit' of) it added additional interest to my accumulating credit card debt-and had i not had PPI my interest would have been alot lower, my balance outstanding on credit cards reduced and i may just have avoided bankruptcy itself

Any views ?

thank you

Hi there, any refunds from ppi before bankruptcy will go to the or i am afraid.
I would think the bank will get in touch, but.. they may appeal and this could go on for months!!!.

k77mss

hi everyone

what a great day yesterday was for all of us didn't post to busy working then spent all night catching up!! i was soo excited when i got email at 10.20am was a wee feeling of what it must be like to win the lottery!!! lol i have 10 complaints on hold so it means alot of money to me if i get what i i'm due.

emailed the guy at fos who is dealing with my complaint against hfc few weeks ago he phoned me to get my story so he could decide. after he got my email he phoned me to say he had upheld my complaint and wrote to hfc last week but hadn't heard anything from them surprise surprise he did start to tell me about court yesterday where i stopped him and told him i was well updated with what happened thanxs to mse and leglebeagels he said i probably knew more than him. he did hope hfc gets there backside into gear with my complaint but i'm just chuffed they have upheld my complaint!!
ps thanxs for keeping me updated on both forums yesterday and well into the night you know who you are

:T:T:T:j:j:j:j:T:T:T:T:beer::beer::beer:

lindamarley

Hi, I'm just after some advice....

I took out a car finance loan through Welcome Finance in November 2008 which is not due to be payed off till November 2012.

Now the car dealers were I got the car from no longer exists and when I have spoke to Welcome they have told me the PPI is with a company called Direct Group which are based in Doncaster

This is were I'm getting confused do I start the claim for my PPI with Welcome or to this company iv never heard of in Doncaster.

Any help would be much appreciated
Linda xxx

amersall

lindamarley wrote: »

Hi, I'm just after some advice....

I took out a car finance loan through Welcome Finance in November 2008 which is not due to be payed off till November 2012.

Now the car dealers were I got the car from no longer exists and when I have spoke to Welcome they have told me the PPI is with a company called Direct Group which are based in Doncaster

This is were I'm getting confused do I start the claim for my PPI with Welcome or to this company iv never heard of in Doncaster.

Any help would be much appreciated
Linda xxx

Hi there, did welcome give you the address for this company?, if they did, then you put your complaint into them, if you do not have the address then phone welcome and ask them for it.
It could be these. http://www.directgroup.co.uk/

amersall

k77mss wrote: »

hi everyone

what a great day yesterday was for all of us didn't post to busy working then spent all night catching up!! i was soo excited when i got email at 10.20am was a wee feeling of what it must be like to win the lottery!!! lol i have 10 complaints on hold so it means alot of money to me if i get what i i'm due.

emailed the guy at fos who is dealing with my complaint against hfc few weeks ago he phoned me to get my story so he could decide. after he got my email he phoned me to say he had upheld my complaint and wrote to hfc last week but hadn't heard anything from them surprise surprise he did start to tell me about court yesterday where i stopped him and told him i was well updated with what happened thanxs to mse and leglebeagels he said i probably knew more than him. he did hope hfc gets there backside into gear with my complaint but i'm just chuffed they have upheld my complaint!!
ps thanxs for keeping me updated on both forums yesterday and well into the night you know who you are

:T:T:T:j:j:j:j:T:T:T:T:beer::beer::beer:

That is brilliant :T:T hope you dont wait too long for your cash

lindamarley

amersall wrote: »

Hi there, did welcome give you the address for this company?, if they did, then you put your complaint into them, if you do not have the address then phone welcome and ask them for it.
It could be these.

Thanks for the quick response
No Welcome have not given me there address they just told me they were based in Doncaster.
And I'm just unsure who i would have to direct any of my mailings to. and who i should try and claim the money back from, thak your for the link also x
Linda x

di3004

k77mss wrote: »

hi everyone

what a great day yesterday was for all of us didn't post to busy working then spent all night catching up!! i was soo excited when i got email at 10.20am was a wee feeling of what it must be like to win the lottery!!! lol i have 10 complaints on hold so it means alot of money to me if i get what i i'm due.

emailed the guy at fos who is dealing with my complaint against hfc few weeks ago he phoned me to get my story so he could decide. after he got my email he phoned me to say he had upheld my complaint and wrote to hfc last week but hadn't heard anything from them surprise surprise he did start to tell me about court yesterday where i stopped him and told him i was well updated with what happened thanxs to mse and leglebeagels he said i probably knew more than him. he did hope hfc gets there backside into gear with my complaint but i'm just chuffed they have upheld my complaint!!
ps thanxs for keeping me updated on both forums yesterday and well into the night you know who you are

:T:T:T:j:j:j:j:T:T:T:T:beer::beer::beer:

Absolutely fab!:j:T, a great outcome, well done!:beer: