PPI Reclaiming Discussion part 4

cappo

patricia50 wrote: »

Hi all, I had a Barclaycard credit card a few years back and ended up not being able to pay it at the time. The debt eventually went to Lowells and I am paying it off through them. Its about £500 odd pounds and I cant remember whether it had ppi. I almost definately would have had it because I thought you had to at the time. Would I be able to claim this back and would it go straight to Lowells. Also I have no paperwork and dont Bank with Barclays. What is my next step please anyone.

i would think lowells purchased this debt for possibly as little as 1p in the pound as there profit margin comes about by purchasing cheap,it's possible you might have to pay this off it would probably be an idea to talk to your lender/lowells about this,contact barclays by phone or call into the branch to find out the info if the bank won't talk to you you could sar them.

smitchy73

cappo wrote: »

i think guys the ones that are taking so long to sort out and are not being looked at quickly are the ones that will be eventually be upheld,i feel that if these cases were being rejected as our di and ian say they would have been rejected quickly and that does make sense:)

Yeah I tend to agree that no news is good news, as this complaint I have with CB/YB was rejected once before but have went back with new complaint, so if they were going to reject it, that may have been done by now, however, I suppose it depends on whether someone actually reads it first or just puts it in a pile to perhaps be looked at, no idea how they work.:cool:

amersall

chester1976 wrote: »

talking about RBS, has anyone got an email address for them, made my initial complaint by phone and wanted to follow it up with an email to make sure they have all my reasons for missale of ppi down.
cheers:)

If you are a RBS customer you have to email them through the internet banking site.
You would be better putting it in writing if you are not a internet banking customer.

You could telephone them to confirm they have your complaint.

http://www.rbs.co.uk/global/h/contact-us/personal-banking/complain.ashx

Unless someone on this site knows an email address.

smitchy73

chester1976 wrote: »

talking about RBS, has anyone got an email address for them, made my initial complaint by phone and wanted to follow it up with an email to make sure they have all my reasons for missale of ppi down.
cheers:)

Hi chester, not got an email address for the RBS apart from the one that keeps getting posted for stephen hester.
Did check my latest letter, and something worrying on it, 'Further to the recent JR, the FSA have agreed that we have up to 16 weeks to process your complaint and provide you with a decision' here's the best bit 'If we are unable to process your complaint within 16 weeks we will write to you' 'If you are unhappy with our decision or more than 16 weeks have passed you can refer your complaint to the Financial Ombudsman'

How serious are they, are they not going to perhaps turn round at 16 weeks and stick two fingers up at everyone and say we aint paying a penny, put us out of business if you like but it'll cost you more in the long run!!:mad:Bar stewards.

cappo

smitchy73 wrote: »

Hi chester, not got an email address for the RBS apart from the one that keeps getting posted for stephen hester.
Did check my latest letter, and something worrying on it, 'Further to the recent JR, the FSA have agreed that we have up to 16 weeks to process your complaint and provide you with a decision' here's the best bit 'If we are unable to process your complaint within 16 weeks we will write to you' 'If you are unhappy with our decision or more than 16 weeks have passed you can refer your complaint to the Financial Ombudsman'

How serious are they, are they not going to perhaps turn round at 16 weeks and stick two fingers up at everyone and say we aint paying a penny, put us out of business if you like but it'll cost you more in the long run!!:mad:Bar stewards.

hi smitchy i dont think the fsa would take too kindly to them doing this to people wholesale after keeping them hanging on for months i don't think even rbs would be bold enough to try that.

smitchy73

I hope not but why put it in the letter, they either get it sorted within 16 weeks or you go to Fos after 16 weeks I don't any of them, unless of course it's a particularly complex case should take longer than that to process a complaint. To me it just leaves another small loophole for the bar stewards to worm their way through.
Anyway enough negativity and conspiracy theory on my part, fingers, toes and other things ;-0 all crossed!!

amersall

Trust me ;) they wont go over the 16 weeks,they will not risk the hefty fines. Think this may be a two fingers up to customers just to make you think you have to wait?.

That is my conspiracy theory anyway
Or,it could be to stop people pestering them :rotfl::rotfl:

smitchy73

amersall wrote: »

Trust me ;) they wont go over the 16 weeks,they will not risk the hefty fines. Think this may be a two fingers up to customers just to make you think you have to wait?.

That is my conspiracy theory anyway
Or,it could be to stop people pestering them :rotfl::rotfl:

Cheers Amersall, you've cheered me up a bit with that one.:rotfl::rotfl::rotfl: maybe we should pester them some more, :eek::T:rotfl::A

chester1976

amersall wrote: »

If you are a RBS customer you have to email them through the internet banking site.
You would be better putting it in writing if you are not a internet banking customer.

You could telephone them to confirm they have your complaint.

http://www.rbs.co.uk/global/h/contact-us/personal-banking/complain.ashx

Unless someone on this site knows an email address.

thanks for the info, dont like ringing (wimpy i know)start to trip over my words, but im far braver in an email. might just send in questionaire as then i know they have everything down on my file.
thanks for the advice:)

IANC

amersall wrote: »

Trust me ;) they wont go over the 16 weeks,they will not risk the hefty fines. Think this may be a two fingers up to customers just to make you think you have to wait?.

That is my conspiracy theory anyway
Or,it could be to stop people pestering them :rotfl::rotfl:

+1

The decision for the FSA to extend the usual 8 week turnaround for complaints to 16 weeks, was not taken lightly at all.

I believe a lot of promises had to be made by the institutions to convince the FSA to allow it

HBOS have taken on lots of extra staff, and they are all piling in the overtime to try and achieve their very strict goals.

That is why the deadline for some of the later complaints is reduced to 12 weeks and why any new ones post (can't remember the date) will have to be sorted within 8 weeks.

This backlog will be cleared very soon or some extremely large fines will be getting dished out