PPI Reclaiming Discussion part 4

di3004

cappo wrote: »

How's your Lad now Di,i hope his Knee is ok.

Hi Cappo
Thanks for asking hun.;)

He is at work at the mo, so I will soon find out when he arrives home. He did say it was sore this morning, but I think its always the day after the injury you feel it more.

di3004

motohoward wrote: »

I have had a mortgage, including ppi, with Britannia for nearly seven years and after reading about all the successes regarding missold ppi, I thoroughly read the terms & conditions of mine!
I have been a frontline response bobby for over seven years and am always in the firing line of angry drunks, drug addicts, burglars trying to run away from me & more besides! My point being that in the terms an conditions of my mppi it states that I wouldn't be covered if I wilfully exposed myself to danger!
I don't see how I cannot!
Also, this was arranged in the full knowledge that I was a police officer.
Has anyone, bobby or not, had a similar experience, or could offer advice (I do intend to write to them about this) as the wording 'wilful exposure to danger (exept in an attempt to save human life)' is pretty vague!
Thanks in advance

Hello there

In my opinion, I do think you have a good case here and would give it a go with your reasons.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

But what I do suggest to others in regards of MPPI, also expand on this on a separate thread that is still within these ppi reclaiming threads, and title it "MPPI help", dunstonh is the one normally dealing with these type of cases with the right advice.
I will post the new thread/separate link for you below, and I'm sure Dunstonh and/or MagpieCottage will be along to help at some point today.

Good luck on this.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

citibird27

di3004 wrote: »

Hiya

Yes I agree in regards of the banks, the tables have now turned and they MUT get on with these rulings now, it will take them some getting used to I think.

Drat, sorry to hear that, well they have 12 days to send you the agreement, good luck this time round.

LOL, the injury was with my oldest son he will be 23 this year, and I'm still like an old mother hen to him, he hates it :D, but still:rotfl:, he was ok this morning before leaving for work, but will see later on when he gets home. Thanks though hun x:A

Whether 3 or 23...can't stop being a mum..and still can't take your eyes off them!! x
With regard to the 12 day deadline...surely they are in breach of something or other by taking 4 months?? This is such bad practice...they are like outlaws! Can you imagine not responding to them in a specified time? They just take money owing from accounts because of the "set aside" rule ...:mad:

motohoward

Thats great, thanks.

di3004

citibird27 wrote: »

Whether 3 or 23...can't stop being a mum..and still can't take your eyes off them!! x
With regard to the 12 day deadline...surely they are in breach of something or other by taking 4 months?? This is such bad practice...they are like outlaws! Can you imagine not responding to them in a specified time? They just take money owing from accounts because of the "set aside" rule ...:mad:

That is so true and my youngest son is 16 now and hates me fussing over him too.:o I don't think I'll ever change.

That is very bad 4 months!
I would be in contact with the Information Commissioners Office and complain.
https://www.ico.gov.uk/Global/contact_us.aspx

http://www.ico.gov.uk/complaints.aspx

boycey01

di3004 wrote: »

Hiya

Cheers for your updates.
So your still waiting then?

And it was the CEO side of it you emailed via Lloyds wasn't it?
Sure its the same ones for Halifax as well, will double check on this.

I know how frustrating this can be, but stay strong now, you will get there, I promise.;)

Thanks Di

Yes i'm still waiting, trying to be patient but seeing other peoples successes slowly rolling in is making me all the more impatient!! Lol.
Although there is nothing to say that I am actually going to be successful with any of mine yet so shouldn't really be getting my hopes up.

Yes I emailed the CEO of Lloyds regarding my complaints with Halifax and Black Horse as they're all part of Lloyds. I do have to admit that the only way I can get a response from either of them is by emailing the CEO, so hands up to him.

It is frustrating to be told a month down the line that Halifax are just about to start dealing with complaints. All I wanted was some kind of timescale but neither Halifax nor Black Horse can give me that.

citibird27

di3004 wrote: »

That is so true and my youngest son is 16 now and hates me fussing over him too.:o I don't think I'll ever change.

That is very bad 4 months!
I would be in contact with the Information Commissioners Office and complain.
https://www.ico.gov.uk/Global/contact_us.aspx

http://www.ico.gov.uk/complaints.aspx

Would be a shame to change...it's what we do...fuss! All the better if they get embarassed! :rotfl:

Thanks for the advice Di..you really do know all the contacts, you are such a resource and support... :T

I bet the banks hate this forum! x

di3004

boycey01 wrote: »

Thanks Di

Yes i'm still waiting, trying to be patient but seeing other peoples successes slowly rolling in is making me all the more impatient!! Lol.
Although there is nothing to say that I am actually going to be successful with any of mine yet so shouldn't really be getting my hopes up.

Yes I emailed the CEO of Lloyds regarding my complaints with Halifax and Black Horse as they're all part of Lloyds. I do have to admit that the only way I can get a response from either of them is by emailing the CEO, so hands up to him.

It is frustrating to be told a month down the line that Halifax are just about to start dealing with complaints. All I wanted was some kind of timescale but neither Halifax nor Black Horse can give me that.

Tell them you know of others being resolved and they were sent in after yours, this should get them moving!

I think like Cappo here, if your cases have been with them for some time, if they were to reject they would have possibly done so by now.
You can always tell them you will possibly contact the FSA as well for more information.

boycey01

di3004 wrote: »

That is so true and my youngest son is 16 now and hates me fussing over him too.:o I don't think I'll ever change.

That is very bad 4 months!
I would be in contact with the Information Commissioners Office and complain.
https://www.ico.gov.uk/Global/contact_us.aspx

http://www.ico.gov.uk/complaints.aspx

Do you think I should? What will happen?

Shall I also tell them about the lady from Barclaycard who told me over the phone that I didn't have PPI? Or is that irrelevant?

Thanks in advance

di3004

citibird27 wrote: »

Would be a shame to change...it's what we do...fuss! All the better if they get embarassed! :rotfl:

Thanks for the advice Di..you really do know all the contacts, you are such a resource and support... :T

I bet the banks hate this forum! x

lol :rotfl::rotfl: i'm bad enough with hubby :rotfl::rotfl:.

Its my pleasure, sometimes its the only way by going straight to the top.:A

I bet the banks hate me on this forum :eek::rotfl::rotfl::rotfl: