PPI Reclaiming Discussion part 4

di3004

samantha13 wrote: »

i took out a credit card with alliance and leicester 8years ago it is still active i couldnt remember the policy details for my ppi so i rang them( now santander) to request them they told me they would look into it got aletter a week later telling me it was taking longer than expected but they would be in touch recieved a letter 2 wks later telling me they were upholding my complaint and worked out i was owed £2,2000 which would be credited to my account i am amazed i didnt fill in any forms and didnt really make a complaint i just requested my policy details!

Wow, well done :T:j & Congratulations!:beer:

mandy1cat

grazute wrote: »

Hi, I would be very grateful for your advise.
I have send my letter to Capital One to refund PPI. Now I have received their letter stating that they won't give me a refund because I applied for credit 9 years ago over the phone and that means that I asked for PPI. I know that I haven't asked and don't know how to prove.They also said that they have sent me terms and conditions and if I would have read them I would have known that PPI can be cancelled. To be honest I probably didn't read terms and conditions. Do you know if I still can ask for refund of PPI? How can I justify terms and conditions not read?

Thank you for replies.

Send them a SAR and request a copy of telephone transcript!!!

di3004

grazute wrote: »

Hi, I would be very grateful for your advise.
I have send my letter to Capital One to refund PPI. Now I have received their letter stating that they won't give me a refund because I applied for credit 9 years ago over the phone and that means that I asked for PPI. I know that I haven't asked and don't know how to prove.They also said that they have sent me terms and conditions and if I would have read them I would have known that PPI can be cancelled. To be honest I probably didn't read terms and conditions. Do you know if I still can ask for refund of PPI? How can I justify terms and conditions not read?

Thank you for replies.

Hi there

That's Cap One all over!

If this was not the final decision, then write back and tell them you have only just became aware of the PPI mis selling issue and your not happy with the outcome of the complaint. Tell them you wish them to reconsider. Also tell them you are in your right to make a reclaim complaint with your reasons, despite the t&C's which were not clear enough or even made clear enough to you when they added the ppi to your loan. (tell them it looks like a lot of jargon) because it probably is.

What they sent you looks like a standard letter that most from this company have received.
Tell them in regards of their rejection, you are requesting them to send you a copy of the phone call recordings, tell them they must have these somewhere in the system to have told you that.

But otherwise complain to the Financial Ombudman Service (FOS) and still ask Cap One for the copy of the evidence of the phone calls that rejected your complaint.
Did they issue any details of the FOS with the letter?

Good luck, keep at them.;)

di3004

Well well well, I wasn't expecting that!

I only emailed Lloyds last Friday, given some details from my old address, the approx years when the loans were taken out.
I had requested for the loan account numbers, and they got back today, however PPI was defo sold with them because then they stated it was all part of the loan, I do have some details but not a great lot, so am hoping they will be able to investigate on these ones now.
But............
for them to find these account number details, that does tell me they still hold details of the loans.

Email received here.....

Dear Mr & Mrs,

Thank you for your recent communication addressed to the office of our Chief Executive Officer Mr Antonio Horta-Osorio. I have been asked to respond on his behalf.

Having checked our records I can confirm that you have a further two loans that closed in 1997 and 1999. All the other loans you have held to 2001 have previously been addressed. The loan account numbers are ******** and ********. However I’m unable to confirm any further information as these loans closed over six years ago.

You have suggested you have paperwork relating to these loans. Should you wish to raise a complaint please forward you full complaint letter and a copy of any relevant paperwork that you hold to assist us with any future investigation.

Yours sincerely

A
Customer Relations Manager – Lloyds TSB Group Operations

Red_peppers

Hi everyone.
I've just sent an email to first plus asking for an update on my complaint and was about to do the same for my intelligent finance one.

However, on the update letter I received there is no email address and on their website you have to be an active customer to login and email :mad:

Would anyone know of an email address to use?

Thank you

Well done to all the successes so far I love reading this site and can't wait for when the successes from First Plus start rolling in!

di3004

Red_peppers wrote: »

Hi everyone.
I've just sent an email to first plus asking for an update on my complaint and was about to do the same for my intelligent finance one.

However, on the update letter I received there is no email address and on their website you have to be an active customer to login and email :mad:

Would anyone know of an email address to use?

Thank you

Well done to all the successes so far I love reading this site and can't wait for when the successes from First Plus start rolling in!

I take the email address was fine with FP, but you require the details for Intelligent Finance, I have added the FP addy anyway, but your right about having to have an online account with IF to be able to email them, stupid isn't it it?
Have you also tried ringing as another option?

CUSTOMER SERVICE/COMPLAINTS CONTACT NUMBER: - for (IF)
0845 609 4343

[EMAIL="customercare@firstplus.co.uk"]customercare@firstplus.co.uk[/EMAIL]


They must give you an update when you ask, good luck.

Red_peppers

di3004 wrote: »

I take the email address was fine with FP, but you require the details for Intelligent Finance, I have added the FP addy anyway, but your right about having to have an online account with IF to be able to email them, stupid isn't it it?
Have you also tried ringing as another option?

CUSTOMER SERVICE/COMPLAINTS CONTACT NUMBER: - for (IF)
0845 609 4343

[EMAIL="customercare@firstplus.co.uk"]customercare@firstplus.co.uk[/EMAIL]


They must give you an update when you ask, good luck.

Thanks, yes the First Plus email I sent it to was the same as the one stated.

I would telephone IF but the loan was in my husbands name only so I don't think they would speak to me - quite rightly so.

How long do you think it should take FP to respond to the email?
I can't see what they are messing about at as it was a front loaded PPI. :mad:

di3004

Red_peppers wrote: »

Thanks, yes the First Plus email I sent it to was the same as the one stated.

I would telephone IF but the loan was in my husbands name only so I don't think they would speak to me - quite rightly so.

How long do you think it should take FP to respond to the email?
I can't see what they are messing about at as it was a front loaded PPI. :mad:

Hiya

Arh I see what you mean, if the account in hubby's name your correct that they will only correspond with him in regards of the complaint.
I am unure of the closing times, but can understand it can be awkward for your hubby to contact them if he works perhaps the same working hours as the offices, or I was going to suggest that he try when he is able to.

I will try asking around for the CEO email as well for (IF) and if I get some joy I shall post back as soon as possible.

I would chase FP up if its been a few days.
I have never had any dealings with these myself but I believe 2 days is ample time for them to get back to you.
Keep chasing them otherwise.

Good luck.

Red_peppers

Thank you Di, your a star.

Hopefully hubby might finish work early one day...

di3004

Red_peppers wrote: »

Thank you Di, your a star.

Hopefully hubby might finish work early one day...

Your most welcome.;)

I will do my best checking the CEO email details as well, hopefully someone will have them x