PPI Reclaiming Discussion part 4

boycey01

di3004 wrote: »

Hiya

Maybe your CEO email have crossed with the post you received, and they may still get back to you.
I always say there is no harm in keeping on, it worked for me.;)
But even though they have said about the extended time given from the FSA, they may still resolve yours before then, so fingers crossed they will.

Thanks Di

I have been on the CEO's case constantly this week. Emailed again today just saying i'm not happy with Halifax's response etc etc (I couldn't resist!) So we will see what happens
I should really take Cappo's advice and learn to be patient! I did use to be patient but think i've been waiting so long now I just want it sorted.
It worked for me too with Black Horse. I only had to email the CEO a couple of times, then a few days after I got one letter saying they hadn't dealt with my complaints yet, I got another letter saying they are upholding my complaints! Halifax seem a tougher nut to crack, although they're both owned by Lloyds! Strange
I've just got a feeling they will leave it til right near the deadline (end August) to give me an outcome. They haven't been in any hurry so far.

di3004

boycey01 wrote: »

Thanks Di

I have been on the CEO's case constantly this week. Emailed again today just saying i'm not happy with Halifax's response etc etc (I couldn't resist!) So we will see what happens
I should really take Cappo's advice and learn to be patient! I did use to be patient but think i've been waiting so long now I just want it sorted.
It worked for me too with Black Horse. I only had to email the CEO a couple of times, then a few days after I got one letter saying they hadn't dealt with my complaints yet, I got another letter saying they are upholding my complaints! Halifax seem a tougher nut to crack, although they're both owned by Lloyds! Strange
I've just got a feeling they will leave it til right near the deadline (end August) to give me an outcome. They haven't been in any hurry so far.

Your welcome.;)

I am not the patient type myself to be honest.:o

Sometimes enough is defo enough though and we must keep pushing to get somewhere.
I did with Lloyds and in my opinion I do feel it helped.;)

Keep at them, good luck.

beamerguy

Dizzywithmoney wrote: »

I am so confused. but there was a condition that Cap One had put in place this is how it is worded
"Please note that it is a condition of the settlement reached with Capital One that you must not disclose to any third party the fact of, or any details relating to this payment. Failure to comply with this agreement may result in Capital One bringing a separate action against you. Please also be aware that any charges that properly accrue in the future will be applied to your account in line with the published tariff and in accordance with your agreement with them."

WHAT ARE CAPITAL ONE SO SCARED OF ??

Nobody but nobody should ever agree to this, they cannot make conditions with your stolen money (they stole from you)
I would love to see what further action they think they can take, this is the biggest load of rubbish to come out of Capital One so far. You should report this to the FSA and maybe the press would like to get their hands on it as well.

CAPITAL ONE, Behave yourself, you are slowly digging your own grave with the public ... such a stupid bunch you are Capital ONE

beamerguy

smitchy73 wrote: »

And they're still at it too, my MIL just been to HBOS for a new loan and they talked her in to taking out a life insurance to cover it for a cost of £17 a month, to cover a 9k loan, they didn't even factor in any interest on the loan either, so I've told her to go in to the bank and cancel it immediately, and if they refuse to cancel it I will be straight on to fsa, she's 64!!!!!!! All her incoming is fixed and guaranteed and she already has other life policies that cover her for the amount of the loan and for a longer term than they were offering, I really want to swear when I describe the robbing so and so's.

Will these monkeys never learn ?? There is a cooling off period so cancellation should be no problem. What HBOS should have done was to try and establish if your MIL was already covered with insurance, that is the responsible way, not just sell her a policy adlib.
Whoever the person was selling her life insurance bet your bottom dollar it was to earn commission to meet the banks targets ??:mad::mad::mad:

This is actually very worrying, why ? because is life insurance the new name for a PPI ??? :mad:

I personally would report HBOS to the FSA so they aware of this crafty new move

cappo

beamerguy wrote: »

Will these monkeys never learn ?? There is a cooling off period so cancellation should be no problem. What HBOS should have done was to try and establish if your MIL was already covered with insurance, that is the responsible way, not just sell her a policy adlib.
Whoever the person was selling her life insurance bet your bottom dollar it was to earn commission to meet the banks targets ??:mad::mad::mad:

This is actually very worrying, why ? because is life insurance the new name for a PPI ??? :mad:

I personally would report HBOS to the FSA so they aware of this crafty new move

life insurance is nothing to do with ppi but the "salesman" at the bank would have banked a hefty commission from the sale. but your certainly right beamer suggesting that the banks are now pushing these life insurance policies instead of ppi now as obviously ppi is banned and there going to be pushing this now until something else comes along that they can get there greedy grabbing hands on, i've found out that they are working already on the next generation of rip off products and a replacement for ppi to sic on unsuspecting consumers. don't you just love the #@nkers

h0pusp0pus

morning guys right ive heard back from egg with regards to my original credit card agreement they have sent me a copy and its shows i have signed and dated it but there is no opt in or opt out of the ppi on it what so ever,as some of you may recall i had a letter from egg upholding my complaint but only refunding £200 ish of it due to them only going back six years even though i originaly took the card out in 03,so i sent a request for my original agreement to hopefully prove i was paying ppi back in 03 so they can re adjust my refund, right so i have my agreement with my signiture and a date 15//5/03 and on the actual agreement section it reads

each month you must pay a direct debit at least the minimum payment by the payment date show in your statement unless we tell you otherwise the minimum payment will be.....

2% of the statement total

the total of
interest billed on the statement
1%of the statement total

ANY CARD REPAYMENT PROTECTION PREMIUM SHOWN ON YOUR STATEMENTS

billed fees for overlimit late and returned payments shown on the statement
£5

so my question is is this work photo copying and sending back to egg as evidence that i was paying ppi and asking them re calculate my figures

many thanks in advance

di3004

h0pusp0pus wrote: »

morning guys right ive heard back from egg with regards to my original credit card agreement they have sent me a copy and its shows i have signed and dated it but there is no opt in or opt out of the ppi on it what so ever,as some of you may recall i had a letter from egg upholding my complaint but only refunding £200 ish of it due to them only going back six years even though i originaly took the card out in 03,so i sent a request for my original agreement to hopefully prove i was paying ppi back in 03 so they can re adjust my refund, right so i have my agreement with my signiture and a date 15//5/03 and on the actual agreement section it reads

each month you must pay a direct debit at least the minimum payment by the payment date show in your statement unless we tell you otherwise the minimum payment will be.....

2% of the statement total

the total of
interest billed on the statement
1%of the statement total

ANY CARD REPAYMENT PROTECTION PREMIUM SHOWN ON YOUR STATEMENTS

billed fees for overlimit late and returned payments shown on the statement
£5

so my question is is this work photo copying and sending back to egg as evidence that i was paying ppi and asking them re calculate my figures

many thanks in advance

Hiya

Glad you managed to get hold of the agreement, and yes I would send them a copy, and going by others posts banks have said if you can provide evidence they will then consider going by what you send them, so give it a shot by just sending the copy, good luck and fingers crossed.;)

The_Marksman

cappo wrote: »

don't you just love the #@nkers

hope that bankers and not wa****s lol

h0pusp0pus

my post has dissappeared

ive had my credit card agreement back it has my signiture and ive dated it but there is no opt in or opt out of the ppi on the agreement it reads

each month you must pay by direct debit at least the minimum payment by the payment date shown on your statement unless we tell you other wise the minimum payment will be

yadda yadd yadda

ANY CARD PROTECTION PREMIUM SHOW ON YOUR STATEMENT

could any one tell me if they is enough evidence to go back to egg credit card with to ask them to re calculate the figures and take the ppi refund back to 2003 instead of the 6 years that they have gone back to please ??

beamerguy

h0pusp0pus wrote: »

my post has dissappeared

ive had my credit card agreement back it has my signiture and ive dated it but there is no opt in or opt out of the ppi on the agreement it reads

each month you must pay by direct debit at least the minimum payment by the payment date shown on your statement unless we tell you other wise the minimum payment will be

yadda yadd yadda

ANY CARD PROTECTION PREMIUM SHOW ON YOUR STATEMENT

could any one tell me if they is enough evidence to go back to egg credit card with to ask them to re calculate the figures and take the ppi refund back to 2003 instead of the 6 years that they have gone back to please ??

If you did not agree to it, CLAIM IT BACK