PPI Reclaiming Discussion part 4

marshallka

kkchick2009 wrote: »

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

If this was sold in 2006 either route for you, broker or lender, is covered by the FOS if you are wanting just the PPI back.

kkchick2009

Just another thought,would I send the SAR to Ocean or FP?

kkchick2009

marshallka wrote: »

If this was sold in 2006 either route for you, broker or lender, is covered by the FOS if you are wanting just the PPI back.

Plus interest! (pardon the pun)

marshallka

kkchick2009 wrote: »

Just another thought,would I send the SAR to Ocean or FP?

Depends who you are going for.Who sold you the PPI is what the FOS are telling us to do. I presume this is cause of what incipience has posted. I don't know if he has got this past the FOS yet going to the lender??

I went for the SAR with both broker and lender.

marshallka

kkchick2009 wrote: »

Plus interest! (pardon the pun)

Yeah of course but don't forget to state it though.

marshallka

kkchick2009 wrote: »

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

I would assume when you made the complaint to FP. There again FOS take it from when you complain to the right person for the complaint.

If it were me then I would just add a few days on for the time FP passed the buck so to speak.

kkchick2009

marshallka wrote: »

Depends who you are going for.Who sold you the PPI is what the FOS are telling us to do. I presume this is cause of what incipience has posted. I don't know if he has got this past the FOS yet going to the lender??

I went for the SAR with both broker and lender.

Yes I am a bit confused about his (?) postings - I can see the reasons why he has mentioned both broker/lender - FP would be the ones to go for wouldn't they? How could Ocean repay me the ppi plus interest when FP lent us the money? it is wide spread on this forum about how they mess people around and passing it to the broker is just another delaying tactic?If I go by my original letter to FP, I only have another 5 weeks before I lodge it with the FOS.(and 4 weeks for Ocean)

kkchick2009

marshallka wrote: »

I would assume when you made the complaint to FP. There again FOS take it from when you complain to the right person for the complaint.

If it were me then I would just add a few days on for the time FP passed the buck so to speak.

Thanks - our posts crossed at the same time!

samkfc

Tried to reclaim PPI from HSBC but failed. I'm not into communication (letter or phone). I saw Empire Claims in the internet which helps in that area, not sure if it can be trusted. Has anybody tried the company or is there another company which has a lower fee?

kkchick2009

pinknico wrote: »

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

Thanks for that - logging off now.. pack lunch to make for 2moro. Good night and thanks all!