PPI Reclaiming Discussion part 4

livylegs

hiya guys,

well got my get stuffed letter from first plus today saying they have reviewed the phone call that took place and that the sales person went through all the deatails of the ppi and and they satisfied everything was explained accordingly so they dont agree with my complaint!!
Can i ask for a copy of that phone call? and shall I now contact the ombudsman?
thanks so much.xxx

di3004

livylegs wrote: »

hiya guys,

well got my get stuffed letter from first plus today saying they have reviewed the phone call that took place and that the sales person went through all the deatails of the ppi and and they satisfied everything was explained accordingly so they dont agree with my complaint!!
Can i ask for a copy of that phone call? and shall I now contact the ombudsman?
thanks so much.xxx

Hi there

Yes please do request for a copy of the recordings, now that they have admitted listening to them they cannot say they have not got them, with FP it seems they give the same excuses to everyone.

You contact the FOS when your given the final response in letter from the loan company, do you have one from them at all with a final response?

Anyway you can either download a complaints form from the FOS or ring them here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
They will arrange to send a form through the post and enclose copies of correspondence, I would also send a completed copy of the form to FP as well, and tell them you have now taken your complaint to the FOS and have enclosed a copy of the complaints form for their interest/records.
(it may make them change their minds, if this is the case let the FOS know) but as its FP its very unlikely.

Good luck with this and post anytime for help.;) Have sent you a private message as well x
Di
X

livylegs

hi di hun,
The letter is saying if I am not happy I can ring fp on this direct line and speak to the russell green if I am not happy and if he dont hear from me in 8 weeks he closing this complaint or I can contact the ombudsman. the 3 page letter is saying that all the pros and cons of the ppi had been explained to us on the phone also when i cancelled the ppi they offered us a refund of £615??? i cant work them out lol is that a final repsonse?
thanks.xxxx

maxdp

livylegs wrote: »

hi di hun,
The letter is saying if I am not happy I can ring fp on this direct line and speak to the russell green if I am not happy and if he dont hear from me in 8 weeks he closing this complaint or I can contact the ombudsman. the 3 page letter is saying that all the pros and cons of the ppi had been explained to us on the phone also when i cancelled the ppi they offered us a refund of £615??? i cant work them out lol is that a final repsonse?
thanks.xxxx

Hi THere

No it has to say "this is our Final Respose". I would reply give them 14 days to reply and tell them that you are quite willing to pass this onto the FOS if you do not get the response you require

Am sure Di will be back later on:D

King_Juan

Turboman wrote: »

Right Back now--on KJ & SS case today

Remind me who's waiting for help on Calcs--although I have a record somewhere (as Columbo would say)

King Juan
Stillsmiling
???

Turbo

Thanks Turbo, any help you can offer would be much appreciated

livylegs

hiya thanks for replying:)

ave read my letter again and all it says is " in my previous letter i promised you a full response to your complaint as quickly as I could. I am now able to do so."
its says nothing about final! so do i just sit and wait another 14 days or do I now need to send another letter (sorry for been dumb lol)

thanks so much.xxxx

di3004

livylegs wrote: »

hiya thanks for replying:)

ave read my letter again and all it says is " in my previous letter i promised you a full response to your complaint as quickly as I could. I am now able to do so."
its says nothing about final! so do i just sit and wait another 14 days or do I now need to send another letter (sorry for been dumb lol)

thanks so much.xxxx

Hi hun

Yes write back to them and tell them you will appreciate it if they could reconsider you complaint (try to use stronger points to your reasons you added on your first letter to them if you can), and also tell them you look forward to a response by 14 days of this letter.
Then that one should be the final response, hope its a good outcome the next time round for you.

Keep us posted of this and if you can today, contact them and ask them to send you the recordings, or maybe write this in a separate letter.
Post again by recorded delivery.;) (oh your not dumb) lol XX

Good luck
Di
X

livylegs

hiya, thanks so much.

right I will get letters sent today eek am scared i dunno what to write, I will have a look though Templates to see if I find 1! I will keep you updated whats happens:)
thanks again.xxx

di3004

livylegs wrote: »

hiya, thanks so much.

right I will get letters sent today eek am scared i dunno what to write, I will have a look though Templates to see if I find 1! I will keep you updated whats happens:)
thanks again.xxx

lol good luck , don't worry it will all work out in the end.:D :A , fingers crossed for you.

Di
XX

Turboman

King_Juan wrote: »

Any thoughts on my case Turboman? I have sent off my second letter asking for an increase in their offer and a refund in full.

Cheers.

I mainly calculate precisely on CURRENT loans which are very predictable. Settled loans are harder to unravel owing to the lenders method of deriving their settlement figures ( & trying to dress them up with rhe word REBATE to try & convince you they are doing you a favour)

I can say that I've checked your latest offer re the 8% interest & that is correct-8% on 673.31 from actual date of each payment + 8% on 637.21 from 1/3/2006

We've just got to unravel the rebates (Marshallka-where are you!!)

Recheck your statements & the original settlement letter re the 18,680.79 Balance-I can't derive where that has come from?

I've got the 2445.77 interest rebate though from the Rule of 78 Calculator website (BUT using a loan of 18,009.54!!)

HOWEVER, don't forget that assuming all this rebate business is correct for the main 15,000 main loan and they have correctly adjusted the situation to be as if PPI had never been added--you can only get the refund on the PPI bit of WHAT YOU HAVE ACTUALLY PAID.