PPI Reclaiming Discussion part 4

Jax2211

di3004 wrote: »

Hi there

I am really not sure where you stand from here to be honest, I take it you signed up from the start with the claims company?
Maybe you could contact the FOS who may be able to confirm.
Or meanwhile see what others have to say on these threads.

Wishing you luck on your reclaiming, hope it sorts out soon and thank you for the advice.;)

I am having no luck with Belmont Thornton either - I put in various claims in March and have had no luck with any of them. In my frustration I've called the various banks and credit card companies myself and lodge the complaints (so far I've had word back from 3 in a matter of weeks). It looks as if the claims company hasn't done a thing!!! I will be calling Belmont Thornton to tell them that i no longer want them continuing with any of my claims as I would much rather do it myself. I know there will probably me a fee...thats the only snag!

I'll keep you posted!

straylandsbloke

Sent the 1st letter asking for £986.00 charges plus interest of £278.70, going back 6 years.

Recived a cheque today for £300.52 "in settlement" nothing requiring my signature accepting the offer, this not enough in my opinion, what do others think? Is this a new tactic? looking through sucesses most seem to get full refunds from Sainsburys.

Court letter next stage in all probabilty

Should I send the cheque back with it?
Should I not mention the cheque?

TIA

themass

Ok Di thanks for the help, i have drafted the same form to Norton stating Nemo hold them responsible i will forward that to them, its a bit like piggy in the middle.

robbedofmymoney

straylandsbloke wrote: »

Sent the 1st letter asking for £986.00 charges plus interest of £278.70, going back 6 years.

Recived a cheque today for £300.52 "in settlement" nothing requiring my signature accepting the offer, this not enough in my opinion, what do others think? Is this a new tactic? looking through sucesses most seem to get full refunds from Sainsburys.

Court letter next stage in all probabilty

Should I send the cheque back with it?
Should I not mention the cheque?

TIA

if the letter did not say "full and final decision" i would send the cheque back and ask them to re-look at the figures as they have got them wrong (assuming you have paid £986 in PPI).

if it is their final decision then send them a letter (without the cheque, but don't cash it) expalining that you are not satisfied with the amount of the refund and would ask them to re-consider based ont he PPI premiums you know you have paid (£968) otherwise you will forward you complaint to the FOS. (this will cost sainsburys £500 if you go to the FOS).

make it clear you want them to re-contract the account as if the ppi had not been there in the first place in line with the FOS guidance.

i think they are trying it on and it may be a tactic to try and limit their liabilities

Dazzle77

The final letter dated 15th June 09 said that we had the right to go to the FOS but due to the passage of time since the final response was issued the FOS may decline to look at our complaint, which they did. We are definitely going to try again though as we strongly believe that we could/should have been better advised. Many thanks for your help; I will let you know how we get on.

h0pusp0pus

well that was easier than i thought rang hfc bank and the chap on the phone gave me the account number for the loan before i had even asked for it thanks for the advice di have now written it on the form and its on its way to hfc compaints with covering letter ive copied the form and sent it recorded delivery

di3004

themass wrote: »

Ok Di thanks for the help, i have drafted the same form to Norton stating Nemo hold them responsible i will forward that to them, its a bit like piggy in the middle.

Good one, and yes I know what you mean.;)

di3004

Dazzle77 wrote: »

The final letter dated 15th June 09 said that we had the right to go to the FOS but due to the passage of time since the final response was issued the FOS may decline to look at our complaint, which they did. We are definitely going to try again though as we strongly believe that we could/should have been better advised. Many thanks for your help; I will let you know how we get on.

Brilliant, keeping everything crossed for a good outcome this time round.;)

di3004

h0pusp0pus wrote: »

well that was easier than i thought rang hfc bank and the chap on the phone gave me the account number for the loan before i had even asked for it thanks for the advice di have now written it on the form and its on its way to hfc compaints with covering letter ive copied the form and sent it recorded delivery

Excellent, so now you have it, and all the best on the reclaim.:T

themass

Mmmm, a little update here, the wife walked in from work and put her hands on the agreement with Norton, (Nemo were right).
it is their agreement and terms and conditions for PPI, clearly states it is optional,
Statement of demands and needs
1-If you cannot work because of an accident or sickness (we are both entitled to sick pay at work)
2-unemployment cover (we have a seperate cover via the mortgage which is more than the monthly cost)
3-death or critically ill (we both have life and critical illness cover)
it then states
"you have selected to apply for ppi on this basis"
it appears we signed sealed and delivered to them
I think ive just kissed goodbye to around 6k.