PPI Reclaiming Discussion part 4

di3004

ijustloveabargain wrote: »

first thanks for replying:)

so do i just write to the ombudsman??or still my bank first?
so its still the same questionaire but just put my details even tho its a business loan?
is this right haha:o

Hiya

You send the questionnaire to the bank first, and they are allowed up to 8 weeks, they will let you know of the FOS in the final letter, such as if your not happy you can take your complaint to the FOS and so.

That is correct, the business details.:D;)

Good luck x

di3004

The_Marksman wrote: »

As always, a great deal of help :D:D;) thanks gorgeous x

do i need to do a SAR etc to get more info on the account from 1999 as i just have the account number to send to the FOS :D

That''s ok hun.

You can do a SAR if you want to, but whether or not they will still hold these details is uncertain.
If you decide to want to do the SAR its up to you, but otherwise continue with the FOS, give your account number and the FOS will then ask them to send all the info,;)

LynK_3

Two white envelopes arrived today, my excitement was palpable!
Alas one was a response from the Customer Advocate Office Manager (who are they?)in relation to my email to the CEO of MBNA to complain that they had not replied that they had recieved my complaint (was my husbands card but me doing all the work!!), sent mid June. It says
Thank you for your email; Mr O'Doherty has asked the Customer Advocates Office to investigate your complaint and we will issue a response within 28 days. In the meantime please do not hesitate to contact us.
So does this mean they are investigating why they did not reply to my original letter , or are they actually investigating the missell complaint itself? For the record I resent all the information on Monday.
The second letter was from the FLA regarding Santander turning down a PPI complaint on a Dorothy Perkins card it says
In order for the FLA to assist in taking this matter forward. It would be helpful if you could provide any information which supports your complaint that the insurance was unsuitable for you. For example, if you were unemployed at the time of the policy was taken out or if you had a pre existing medical condition etc. Please provide this information within the next five days
The letter goes on to say that You cannot use the FLA complaints scheme where your complaint has been, or is being considered by the FOS or a court.
I have not complained as yet directly to the FOS but I have got information from them as to who was the underwriter and complained to them. Does this matter??
Also my reason for complaining that it was missold in the first place is that basically I wasn't told it was optional, wasn't given long term cost, and was categorically told that I needed it to enhance my application. Also my firm would've paid me full pay for at least 3 months had I been off sick. So I was neither unemployed nor had a pre existing medical condition.
Some help would be greatly appreciated as to the wording of my reply.
Thankyou thankyou thankyou!

The_Marksman

di3004 wrote: »

That''s ok hun.

You can do a SAR if you want to, but whether or not they will still hold these details is uncertain.
If you decide to want to do the SAR its up to you, but otherwise continue with the FOS, give your account number and the FOS will then ask them to send all the info,;)

Thanks Di I love ya

di3004

LynK wrote: »

Two white envelopes arrived today, my excitement was palpable!
Alas one was a response from the Customer Advocate Office Manager (who are they?)in relation to my email to the CEO of MBNA to complain that they had not replied that they had recieved my complaint (was my husbands card but me doing all the work!!), sent mid June. It says
Thank you for your email; Mr O'Doherty has asked the Customer Advocates Office to investigate your complaint and we will issue a response within 28 days. In the meantime please do not hesitate to contact us.
So does this mean they are investigating why they did not reply to my original letter , or are they actually investigating the missell complaint itself? For the record I resent all the information on Monday.
The second letter was from the FLA regarding Santander turning down a PPI complaint on a Dorothy Perkins card it says
In order for the FLA to assist in taking this matter forward. It would be helpful if you could provide any information which supports your complaint that the insurance was unsuitable for you. For example, if you were unemployed at the time of the policy was taken out or if you had a pre existing medical condition etc. Please provide this information within the next five days
The letter goes on to say that You cannot use the FLA complaints scheme where your complaint has been, or is being considered by the FOS or a court.
I have not complained as yet directly to the FOS but I have got information from them of the underwriter and complained to them. Does this matter??
Also my reason for complaining that it was missold in the first place is that basically I wasn't told it was optional, wasn't given long term cost, and was categorically told that I needed it to enhance my application. Also my firm would've paid me full pay for at least 3 months had I been off sick. So I was neither unemployed nor had a pre existing medical condition.
Some help would be greatly appreciated as to the wording of my reply.
Thankyou thankyou thankyou!

In order for the FLA

Hiya

I am a little stumped on the part where they say they are investigating, that could mean either way, so I would give them a quick ring and ask what is meant by that because prior to that you were told they did not receive the paperwork, but otherwise it will mean they are now continuing with the complaint because they now have the paperwork.
I note they said to contact them at anytime so I would therefore do that just to be sure.;)

It's rare in my opinion of the FLA being of any help but it have been known, someone did post up the other week and said after they supplied the required details they were successful, the FLA had contacted the bank to make a refund, something like that.
So its touch and go, if you supply the info and they agree to dealing with it, it may be a good idea to contact the FOS.

The FOS are obviously trying to seek the compensation from the underwriters as another direction (I also have an ongoing one with them in regards of the underwriters), and I am not sure if the FLA will contact the FOS as well, but hopefully if the FLA come up soon and say they can deal with it, it maybe worth letting the FOS know perhaps.
You can wait for other opinions on this first if you want to.

The very best of luck x;)

di3004

The_Marksman wrote: »

Thanks Di I love ya

Aww we loves ya too :A;) x

beverleykim

LynK wrote: »

Two white envelopes arrived today, my excitement was palpable!
Alas one was a response from the Customer Advocate Office Manager (who are they?)in relation to my email to the CEO of MBNA to complain that they had not replied that they had recieved my complaint (was my husbands card but me doing all the work!!), sent mid June. It says
Thank you for your email; Mr O'Doherty has asked the Customer Advocates Office to investigate your complaint and we will issue a response within 28 days. In the meantime please do not hesitate to contact us.
So does this mean they are investigating why they did not reply to my original letter , or are they actually investigating the missell complaint itself? For the record I resent all the information on Monday.
The second letter was from the FLA regarding Santander turning down a PPI complaint on a Dorothy Perkins card it says
In order for the FLA to assist in taking this matter forward. It would be helpful if you could provide any information which supports your complaint that the insurance was unsuitable for you. For example, if you were unemployed at the time of the policy was taken out or if you had a pre existing medical condition etc. Please provide this information within the next five days
The letter goes on to say that You cannot use the FLA complaints scheme where your complaint has been, or is being considered by the FOS or a court.
I have not complained as yet directly to the FOS but I have got information from them as to who was the underwriter and complained to them. Does this matter??
Also my reason for complaining that it was missold in the first place is that basically I wasn't told it was optional, wasn't given long term cost, and was categorically told that I needed it to enhance my application. Also my firm would've paid me full pay for at least 3 months had I been off sick. So I was neither unemployed nor had a pre existing medical condition.
Some help would be greatly appreciated as to the wording of my reply.
Thankyou thankyou thankyou!

Hi Lyn

You know my feelings regarding the FLA, we had good reasons why the insurance was unsuitable for my husband and I but it did not get us anywhere with our Debenhams card - Santander had all this information and it made no difference to them, final response, not mis-sold, FLA just supported Santander, and did not really query anything on our behalf - go straight to FOS if I was you.

LynK_3

Have just posted my reply to the FLA (for what it's worth), but as it's me who sent the complaint to the underwriters not the FOS (they just supplied me with the details and notified them that I had a complaint), I think for the moment I will just let it sit as the likeyhood is I will recieve a no from the FLA, so at least my complaint will have been registered this week with the underwriter.

I am very much afraid patience is not one of my strong points lol

Doz83

di3004 wrote: »

Hi Doz

The only other way is a SAR where they must comply by the DPA (Data protection Act), they have 40 calendar days to comply and you enclose £10 cheque or postal order for this request, there is a letter (SAR) template below link.
The credit agreements may actually appear within the SAR, its happened with mine, even though I did not receive the copies of the loan agreements from the very older accounts, the ones from about 2004 appeared within the SAR.

However, if you know the account numbers and know for definate PPI was added and of course reasons to make a reclaim (you have in your case) you can still continue to make a reclaim.

First of all, SAR template letter here.


If you also bank with these, you apply your bank account number and they should send copies of everything you've had, paperwork of the account, loans, credit cards and so on, so the one of payment as stated above is required (£10).

To make a reclaim there are reclaim questionnaires on the guidelines on this site, or if you go directly to Lloyds website, they have the same details there as well, with the address where to send and so on.


Also email address if required.
[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]

The best of luck.;)

Thanks so much for your help and also to cappo :T. I will give sar a go and see how I get on.

cappo

di3004 wrote: »

Hi there

Was that a claims company?


If you have been mis sold PPI, then try to have a go yourself, you don't need a claims company, there is far too much paperwork involved, despite them asking questions on the phone, and its only a matter of completing a reclaim questionnaire, if your successful you will then get to keep all your refund, where claims companies will take their share.;)

As Di says don't under any circumstances use a claims company,slow, don't keep you clued in as to what is going on and very expensive, i now won £825.00 from mbna and because i used a cmc (before i knew how easy it was to claim) i copped a bill for £225.00, quite a lump we'll all help you on here.:)