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PPI Reclaiming Discussion part 4

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Comments

  • di3004
    di3004 Posts: 42,579 Forumite
    bubs_2010 wrote: »
    thanks very much for your help, your a star!!!!


    You are very welcome.;)

    We will take this step by step, I can understand it can be confusing when we first get into this, but we will get there.:beer:
    The one and only "Dizzy Di" :D
  • Thanks againthink i am going to try the SAR first and the reasons why i disagree with the refusal letter. do i have a time limit to respond to their letter ?
  • di3004
    di3004 Posts: 42,579 Forumite
    bubs_2010 wrote: »
    Thanks againthink i am going to try the SAR first and the reasons why i disagree with the refusal letter. do i have a time limit to respond to their letter ?

    Well the SAR they have 40 calendar days, sometimes the info is received before then.
    If they have not given a timescale then it should be fine.;)
    The one and only "Dizzy Di" :D
  • ok thanks will get straight onto it tomorrow. thanks for your help
  • jolfc
    jolfc Posts: 446 Forumite
    Part of the Furniture 100 Posts
    I put a claim in with Halifax on 21st April, when I spoke to them on Friday they told me it was with the redress team. I have just logged onto online banking and there is £1,110 in my account credited by cash yesterday, I can only think this is from Halifax, :j:j:j:j:j, but I shall ring them today and double check before I pay my credit card off, oh happy days. :D:D
  • cappo
    cappo Posts: 2,121 Forumite
    jolfc wrote: »
    I put a claim in with Halifax on 21st April, when I spoke to them on Friday they told me it was with the redress team. I have just logged onto online banking and there is £1,110 in my account credited by cash yesterday, I can only think this is from Halifax, :j:j:j:j:j, but I shall ring them today and double check before I pay my credit card off, oh happy days. :D:D




    hi jolfc,well done on your win,best to check to be certain but it certainly sounds like the win,does it tally with what they told you you'd receive:beer::j:money::T:)
  • citibird27
    citibird27 Posts: 196 Forumite
    di3004 wrote: »
    The last 2 days he had been off his food, the staff put it down to him being confused and memory loss of forgetting what to eat, but today I rang and they said he is happer, did eat his brekkie, although he didn't want toast but enjoyed his weetabix, so I think he may have had a sore mouth from the meds, and he didn't feel comfy eating solid food.
    Today they are happier with him anyway.
    Thanks for asking Cappo, much appreciated x;)

    Hi Di, Good news that he is showing signs of getting better, and so sorry that you have this worry....and well done, for still helping people on this forum, when you obviously have a lot on your mind...:A:A x
  • citibird27
    citibird27 Posts: 196 Forumite
    cappo wrote: »
    Hi Di there just trying to play games with me,there toying with the wrong person,long gone are the days that i thought banks were our friends and looked after us,i will relentlessly chase them now and if they don't respond i will contact the ico and fsa,i have about as much compassion for them as they have for us.:p

    Well said, Cappo....I think that is how we all feel...very let down!:)
  • amersall
    amersall Posts: 17,037 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    mojoparrot wrote: »
    Hi all
    Ive been debating whether to persue a ppi loan that was taken out as a first plus secured loan I think in 2006. The complicated problem I have is this.....
    I took out the loan with the ppi sold alongside (apparantly) in 2006 as one loan. By 2007 I had paid the loan off. In 2008 I was approached by my financial adviser to take the ppi through a claims management company. It took me some time before I decided to go with the company. I paid him a fee and handed the claim over to the claims handling company. I had started the claim process early in 2009 by using the original templates from the MSE website. First Plus of course said I was aware at the point of sale (over the phone) of the ppi (an addition was made to the secured loan to pay the ppi up front £6000. Looking at the paperwork now I can see that the ppi only covered the first 5 years of the loan), they also sent me a disc which is supposed to contain the telephone conversations about the loan (I cant open this disc on my computer so have never listened to it.).
    I passed all this to the claims management company who kept the claim for a year then they were closed down by the legal services comission (or some official body) for malpractice. Sometime mid 2010 I got the documents back from the closure and it looks like the claims management company had had some correspondance with First Plus and the last letter they sent details the outline of a case with an offer prior to application to court. They also had the disc transcripted and it looks like the "agreement" for the ppi was when the salesman said "answer yes/no only.... would you like to know that your loan will be paid should you be out of work" to which I replied "yes". I sent all this info onto the FOS who kept the documents for around 10 months before they sent only half the documents back explaining they couldnt even look at the case as it was outside of the six month original complaint period. Remember I started the complaint at the beginning of 2009. The FOS were not interested in the fact that I had employed a claims management company who had not bothered to do the work, plus by the time it was allocated a worker at FOS the last letter sent by the claims management company was 10 months previously so I coudnt argue that correspondance with First Plus had been open until the end of 2009.
    I am now looking at bankruptcy and when I spoke to the counsellor he said try to reclaim as the rules have changed. So a month ago I sent First Plus the current form for ppi reclaiming from the MSE. They wrote back a couple of weeks ago stating they had already responded to my previous claim in the negative and that is an end to the matter. They also state that the letter cannot be used as an admission to the FOS that I was still in correspondance about the original 2009 claim. So I cannot claim the within 6 months FOS rule.
    Does anyone think I should persue this? Should I just forget it all. I dont know how to respond to First Plus' last letter or what to say. I'm so tired of this claim, I dont trust claims management companies and I just think its not my destiny to have the ppi repaid.
    Any advice or ideas are really welcome
    Mojo
    Right,this is what i would do,if you try this and get no joy then at least you will have tried.

    First send an email to
    [EMAIL="robert.diamond@barclaysplc.com"]robert.diamond@barclaysplc.com[/EMAIL]




    Put what you have said here about the claims co and why this was allowed to get passed the 6 months to contact FOS.
    Had you been given the information in time you would have followed this up with FOS,When the claims co folded you had already passed the timeline to take this further,you are dismayed that after having put the claim in again to FP they have rejected this due to the timescale.
    Put you feel you are being treated unfairly by FP and think that due to circumstances beyond your control,you have now lost the chance of redress for this loan and are very disappointed with the way you have been treated.
    Put that you will be sending a complaint to the FOS regarding this.

    Then send the same email to FOS and stress this was beyond your control and could they help you in any way with this.

    http://www.financial-ombudsman.org.uk/contact/index.html#email


    This may not work,but you wont know until you try.

    Not sure who else you could email about this,but hopefully someone on here can make a suggestion
  • amersall
    amersall Posts: 17,037 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    bubs_2010 wrote: »
    hi ,have just signed up today and would be grateful for some advice. my partner and i have complained to homebase loans about the ppi we took out 2 loans, 1 in september 2003 and 1 in august 2004, my partner was self-employed and i was employed working 15 hours a week. the ppi only covered my partner. homebase have sent us a reply stating that the sale of these loans were prior FSA authorisation and the first loan we took was in a relaxed manor and the advisor highlighted all the key requirements. they state that when we took the 2nd loan the same details applied. they cant give me FOS referral rights but i could contact the FLA

    i know i questioned the ppi because i always did on anything we took out, and you always got the same answer, it gave you an increased chance of getting the loan, if anyone would of advised me that i didnt need the policy i would of gratefully refused the only reason i took ppi was because i was led to believe i had to.

    is there anything else i can do or because the loan was taken out before 2006 is this the end of my complaint
    What years were these paid off?,as this is very odd,think they are trying it on,people have had wins on here from the 90s so the year you took them is not relevant.
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