PPI Reclaiming Discussion part 4

di3004

caza888 wrote: »

Hi

I have been in contact with FOS for updates but they just keep saying my complaint is waiting to be allocated to an adjudicator and it could take up to 9 months for this to happen! They have heard nothing from barclays as well.

I will email the CEO thanks for the email address and the advise

Fingers crossed for you then and hope you will hear something soon, good luck x;):)

jadest

di3004 wrote: »

Hi there


Sorry to hear of your issues here.

If you want to complain about a claims company I believe you would have to contact the Claims Regulation at first who will be able to direct you.
http://www.justice.gov.uk/global/contacts/claims-management-regulation/index.htm

Explain your predicament with these first.

But you are able to query this I believe with the FOS, so also give them a ring as well.
http://www.financial-ombudsman.org.uk/contact/index.html

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

The above I understand are only open office hours, good luck on this.:)

Thank you but it is the FOS that I wish to complain about as they are doing nothing about my case and it has been with them since May 2008. I am so fed-up with them fobbing me of. I have put in a complaint to there complaints department and they haven't acknowledge it.:A

klflosser

di3004 wrote: »

You made a good point here and what I would do anyway is still make a reclaim on the others, for example I lacked paperwork for some of the lloyds late 90's, even though I had the account numbers, they still refunded.

So the loan account they're paying out on, is this one older?

The loan that they are paying out on is the latest one I had with M&S and was closed in 2004. The others pre-date this. I have not claimed on these as I had no information and can only remember one which was refinanced by the last one in 1999. I have sent a SAR but not yet received a reply to that. They have added the other ones at M&S and say they are linked.

My main concern is that the initial letter says they are paying out on the loan and then a later letter says they have declined it. Do they just not know what each other is doing? Can they agree to refund and then change their minds?

klflosser

caza888 wrote: »

I complained to Barclays in August 2010 about a PPI I had been wrongly sold. They put my case on hold when they were challenging the FOS about PPI's this year, so I referred my case to the FOS. What I want to know is whether I am likely to get this goodwill gesture that people who made a claim before April 2011 are getting even though my case is being looked at by the FOS? I have not recieved any letters from barclays since they lost there case and when I spoke to them they keep saying they have till the end of August to sort out the claim. I have repeated ask them whether I will be recieving a goodwill gesture and they keep saying that my case is still 'active with them' and that they will get someone to give me a call to clarify this.....I am still waiting?

Can anyone give me any help???

I have 2 Barclays loans with the FOS since February which were placed on hold due to JR.
I received a letter from FOS at the beginning of July saying Barclays were paying out and unless I declined the offer within 14 days of receiving the FOS letter they would tell Barclays that I would be willing to consider their offer of redress and Barclays would contact me direct before 31st August.

I was of the understanding that all Barclays complaints placed on hold and not issued with a decision before April (?) 21st would be paid on a no quibble basis, whether they were with FOS or not.

scotley

Please help...In 2002 my husband bought a mppi as advised by a financial advisor employed by an estate agent and has paid premiums in good faith ever since. Recently he had an accident and when he tried to make a claim was told by insurance company that policy was invalid as he is not named on the mortgage and insurance company immediatly canceled policy. A letter of complaint was sent to them and the estate agents sometime ago now, the estate agengy phoned him to explain they were investigating the situation but in the mean time as a good will gesture would forward him some money to help whilst they completed their investigations. The insurance company responded by saying they would consider refunding the premiums but not interest as felt they were not liable for the misselling of the policy. we have been informed this week that the files needed by the estate agents have been damaged and cannot be retrieved and also the insurance company have informed him verbally that he cannot have a refund of his premiums after all as the estate agent had informed them that they would make payments as though the policy had been valid whilst my husband is off work. How can this be right? What should we do now?

caza888

klflosser wrote: »

I have 2 Barclays loans with the FOS since February which were placed on hold due to JR.
I received a letter from FOS at the beginning of July saying Barclays were paying out and unless I declined the offer within 14 days of receiving the FOS letter they would tell Barclays that I would be willing to consider their offer of redress and Barclays would contact me direct before 31st August.

I was of the understanding that all Barclays complaints placed on hold and not issued with a decision before April (?) 21st would be paid on a no quibble basis, whether they were with FOS or not.

I was hoping this was the case and when I spoke to Barclays they seem to think my complaint would be looked at by the end of August. But when I said I had recieved no letters from them thats when they said they would get someone to give me a call to update me. I am just a bit worried that because I sent my complaint to FOS that Barclays will just leave it up to them to decide if I am due my money back (which could take up to another 9months) rather than deal with it by the end of next month.:o

jadest

caza888 wrote: »

Hi

I have been in contact with FOS for updates but they just keep saying my complaint is waiting to be allocated to an adjudicator and it could take up to 9 months for this to happen! They have heard nothing from barclays as well.

I will email the CEO thanks for the email address and the advise

Sorry about your situation. Just a warning that there maybe a very long waiting with FOS my case went adjudicator twice were it was up-help but the Ocean finance still wouldn't pay so I am now waiting for an ombudsman and have been for 8 month and the FOS just keep saying it is in a queue but my case in total has been with them for 3years and nearly 2 months since May 2008.

Ocean Finance have refused to deal directly with me as they say that I sent the case to the FOS so they will only negotiate with them.

Hope you have better luck than I have had.:A

mrsmorris34

amersall wrote: »

Was your loan on or after the 14th jan 2005?,if it was then the FSCS will deal with this,just asking,because the FSCS only deal with claims after that date and did not want you waiting again for them to tell you this,they are faster than FOS!!,so hopefully you wont be waiting months.

hi thanks for replying
the loan was took out nov 2006 so will be fine being with the FSCS
glad to hear it won't be months (hopefully)
Its just really annoying as we thought the ombudsman was the final stage!!

di3004

klflosser wrote: »

The loan that they are paying out on is the latest one I had with M&S and was closed in 2004. The others pre-date this. I have not claimed on these as I had no information and can only remember one which was refinanced by the last one in 1999. I have sent a SAR but not yet received a reply to that. They have added the other ones at M&S and say they are linked.

My main concern is that the initial letter says they are paying out on the loan and then a later letter says they have declined it. Do they just not know what each other is doing? Can they agree to refund and then change their minds?

Blimey, that should not be right, if in this scenario surely then they should offer this then as a goodwill offer, they should not in my opinion send you an offer (which you signed and accepted) then change their flipping minds.

I would speak to the FOS about this one and tell them you will be contacting the FSA, or contact the FSA anyway, this is not the way to treat customers.

di3004

scotley wrote: »

Please help...In 2002 my husband bought a mppi as advised by a financial advisor employed by an estate agent and has paid premiums in good faith ever since. Recently he had an accident and when he tried to make a claim was told by insurance company that policy was invalid as he is not named on the mortgage and insurance company immediatly canceled policy. A letter of complaint was sent to them and the estate agents sometime ago now, the estate agengy phoned him to explain they were investigating the situation but in the mean time as a good will gesture would forward him some money to help whilst they completed their investigations. The insurance company responded by saying they would consider refunding the premiums but not interest as felt they were not liable for the misselling of the policy. we have been informed this week that the files needed by the estate agents have been damaged and cannot be retrieved and also the insurance company have informed him verbally that he cannot have a refund of his premiums after all as the estate agent had informed them that they would make payments as though the policy had been valid whilst my husband is off work. How can this be right? What should we do now?

Hello there

Golly, sorry to hear this and the accident etc.

I have left a link to a new thread below for you, its still within these reclaiming threads, but think dunstonh will be able to help and give the right advice on this one.
This won't be missed then, but title it "MPPI help" and he is sure to be along at some point, good luck.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169