PPI Reclaiming Discussion part 4

amersall

longers1980 wrote: »

Hi All

I am new to all this and only just starting to try and claim on the PPI basis!

I have written quite a few intial letters to lenders and credit card companies asking for copies of the agreements i have had with them - had my first response today from Citi Financial stating that as my agreement with them has ended they are not obliged to provide me with a copy of the agreement i had with them. I quoted Section 78 (1) of the Consumer Credit Act 1974 (as taken from a template letter on this site) but they state that section 78 (3) (a) states that section 78 (1) does not apply where no sum is, or will or may become payable by the debtor.

So basically where do i go - i don't have a copy of the original agreement with them so have no clue as to whether or not the agreement had PPI included in it?? I'm sure they are just trying to get rid of me but not sure how to reply?? Any help would be grateful??

Longers1980

Hi there, you will have to sar them and this will cost you £10, you request all information they have on your accounts with them.

Call me cynical but i think this is a way of making £10 from each customer as when mis sell first came about people were getting account info for free or £1 even when the loan had finished:D

amersall

Dirks_Engine_Room wrote: »

Postman called this morning.

A response from RBS - and an offer as a gesture of goodwill on first claim!

All PPI payments plus 8%.

Totals around £1,700

Number two to get back as well now..

Hope others here soon from RBS!!!

Really pleased for you, congrats :j:j:money:

mrsmorris34

my claim as been with the ombudsman since dec 10 after adjudicator upheld my claim but GE money appealed! guess ive got a longer wait than i thought after reading your post Hope u hear some good news soon

cappo

mrsmorris34 wrote: »

my claim as been with the ombudsman since dec 10 after adjudicator upheld my claim but GE money appealed! guess ive got a longer wait than i thought after reading your post Hope u hear some good news soon

Hi are you on any kind of benefit or have got health issues as if you have and of course can provide evidence the fos should look at fast tracking you to the ombudsman,it's a very long wait at the moment as you are aware.

boycey01

di3004 wrote: »

Hi folks

I will get on to your posts in a min, however I can see our Cappo have been busy and answering to your posts, good one Cappo.:T

As many of you will know, a few weeks back we were successful on reclaims via Lloyds which have now also paid out, well today a letter arrived in the post to state about the extra time lol, plonkers, they haven't a clue what their doing, its the usual letter they are sending out to customers.



Dear

Update on progress of your Payment Protection Policy Complaint.

Following our previous letter regarding your PPI complaint, we are writing to provide you with a further update.

I am sorry for the delay in getting back to you. We are unable to resolve your complaint sooner because of the rules which determine how we assess your complaint were being considered by the Court as part of the legal proceedings. Those proceedings have now ended.

I can confirm we will respond we will respond to your complaint as soon as possible and in any event by 31 August 2011 at the latest. This is in line eith the specific requirements that the FSA has published for the handling of the PPI complaints. You can find full details of the FSA's requirements on their website..........

I am sorry that I have not been able to respond fully to your complaint, but rest assured that we are working to resolve your complaint as soon as we can.
If you have any questions regarding this please contact us on 0845 300 5599, we will be happy to help. Lines are open between 8am to 6PM, Monday to Friday.

Yours sincerely
Customer Relations.

How funny Di!

Well as you know, Black Horse upheld my 2 complaints 2 weeks ago and yesterday I got 2 letters from them. I was expecting them to be my cheques, but oh no, they were exactly the same letters as you got!!

Do they even know what they are doing!! I even phoned Black Horse and the man I spoke to wasn't very helpful but said they've received my acceptance and are working out my redress!

Still not heard from Halifax though. I'm very tempted to email CEO of Lloyds on Monday, but dread getting the same lady at Halifax customer services ring me. She sort of makes me feel bad for emailing them about complaints that have been with them since Dec 2010!!

di3004

boycey01 wrote: »

How funny Di!

Well as you know, Black Horse upheld my 2 complaints 2 weeks ago and yesterday I got 2 letters from them. I was expecting them to be my cheques, but oh no, they were exactly the same letters as you got!!

Do they even know what they are doing!! I even phoned Black Horse and the man I spoke to wasn't very helpful but said they've received my acceptance and are working out my redress!

Still not heard from Halifax though. I'm very tempted to email CEO of Lloyds on Monday, but dread getting the same lady at Halifax customer services ring me. She sort of makes me feel bad for emailing them about complaints that have been with them since Dec 2010!!

Hiya

I really don't think they know what they're doing lol.

Sorry your still waiting though, did they say they were paying by cheque or straight into an account of your choice?

boycey01

di3004 wrote: »

Hiya

I really don't think they know what they're doing lol.

Sorry your still waiting though, did they say they were paying by cheque or straight into an account of your choice?

They said I will receive payment and figures within 8 weeks of them receiving my acceptance. I'm guessing it will be by cheque as they haven't got my bank details nor have they asked for them. I reckon they will keep me hanging on until the 8 weeks is almost up.

Halifax on the other hand still haven't given me a decision on 3 complaints with them. I spoke to Halifax customer services (after another email to the CEO!) about 10 days ago, and they said they still hadn't started dealing with complaints. Do you think I should send another email to the CEO or just be patient? If so any idea what I can write this time?

Thanks in advance

cappo

boycey01 wrote: »

They said I will receive payment and figures within 8 weeks of them receiving my acceptance. I'm guessing it will be by cheque as they haven't got my bank details nor have they asked for them. I reckon they will keep me hanging on until the 8 weeks is almost up.

Halifax on the other hand still haven't given me a decision on 3 complaints with them. I spoke to Halifax customer services (after another email to the CEO!) about 10 days ago, and they said they still hadn't started dealing with complaints. Do you think I should send another email to the CEO or just be patient? If so any idea what I can write this time?

Thanks in advance

I know what you can write boycey,tell them to pull there fingers out lol.

boycey01

cappo wrote: »

I know what you can write boycey,tell them to pull there fingers out lol.

Lol. I would love to write that Cappo but don't think that will encourage them to deal with my complaints straight away.

di3004

boycey01 wrote: »

They said I will receive payment and figures within 8 weeks of them receiving my acceptance. I'm guessing it will be by cheque as they haven't got my bank details nor have they asked for them. I reckon they will keep me hanging on until the 8 weeks is almost up.

Halifax on the other hand still haven't given me a decision on 3 complaints with them. I spoke to Halifax customer services (after another email to the CEO!) about 10 days ago, and they said they still hadn't started dealing with complaints. Do you think I should send another email to the CEO or just be patient? If so any idea what I can write this time?

Thanks in advance

8 Weeks is a long time to wait for your own money what is rightfully owed to you, have you tried telling them that you require the money for as soon as possible for personal reasons?
Not saying it will get them to budge but anything is worth a try.

To be honest I nagged and nagged a few times a week , but it done the trick, keep on and on at them I would. x;)