PPI Reclaiming Discussion part 4

maxdp

kkchick2009 wrote: »

Hi - I've previously posted on the discussion part 3 about a loan with 1st + that we got through a broker, Ocean. I've been reading all the links to info that incipience has posted for mine and other postings. I think I've got my head around things enough to take my next step - I've got all the paperwork supplied by the broker and FP but do you think that I should send off the new and improved SAR that includes all the stuff about brokers commissions to see what I get back?

I would cause Incipience wrote that SAR for us so I would say it is the best one to use. (Laini if you reading this am not being disrespectful but SAR has been updated. Your SAR is still fab AND IT WORKED WELL FOR YOU and lots of people on here so Thank You.)x

Good luck

pinknico

Sorry Sarah ,commision was in relation to kkchicks post.

kkchick2009

What we really want is to be in the position that we never got the ppi - they've miss sold this to us and we want to reclaim this plus the interest back -

Should we just write back to them (FP) and tell them STRONGLY that we refute their claims and that passing the buck to the broker is just another way to delay?

I want to do this right and don't want to mess anything up

marshallka

kkchick2009 wrote: »

Hi - I've previously posted on the discussion part 3 about a loan with 1st + that we got through a broker, Ocean. I've been reading all the links to info that incipience has posted for mine and other postings. I think I've got my head around things enough to take my next step - I've got all the paperwork supplied by the broker and FP but do you think that I should send off the new and improved SAR that includes all the stuff about brokers commissions to see what I get back?

In my SAR using another earlier letter I had a commission statement which was 5% of the loan and nothing for the PPI. Don't know how true that was but the amount showed £850 paid to the broker. It was never disclosed to me though either way.

sacbaby37

pinknico wrote: »

Seems a bit strange they would refund it, anything is possible with Citi , but it seems a lot of trouble for them to go to. Why dont you try to reclaim them and then if they say they were already refunded ask why and that you were not aware of this. Sorry not much help really

I have not tred to reclaim yet but because the statements dont seem to ring true, if i send for a SAR then would it show alot more than this, ie phone calls ect. xxx

sacbaby37

pinknico wrote: »

Sorry Sarah ,commision was in relation to kkchicks post.

sorry pink, getting carried away here lol xx

pinknico

Have Ocen got back to you yet? And what year was this?

pinknico

sacbaby37 wrote: »

I have not tred to reclaim yet but because the statements dont seem to ring true, if i send for a SAR then would it show alot more than this, ie phone calls ect. xxx

Yes should have phone calls, any letters anything relating to you and that account.

kkchick2009

We got the letter from Ocean and FP on the same day (20/01) - Do I take the 8 wk countdown from when I originally sent our letter to FP or when they passed it onto Ocean?
We've had nothing further back from Ocean - this FP loan was taken out in 2006

pinknico

Take it from when OCEAN replied to be on the safe side for the FOS.There is no problem writing to First Plus and leting them know you think they are to blame as well, but I think after that you need to se what O cean say. Hopefully Incipience will see your posts later and give there view