PPI Reclaiming Discussion part 4

The_Marksman

cappo wrote: »

we do mate thats what it's all about

haha topman! :rotfl::rotfl::rotfl::rotfl::D

jason.c_4

So you guys pretend to give advice to get people interested and then when there in you shut the door and ask them to take there cloths off.

cooooooool :j

cappo

jason.c wrote: »

So you guys pretend to give advice to get people interested and then when there in you shut the door and ask them to take there cloths off.

cooooooool :j

pretty much so yeh

moneyangel22

Hi,

Lloyds have admitted I have PPI on my 2 loans, but say they cannot make any decisions until they have located the original agreements with The Loans Team. Can someone tell me why they need to see the original agreements if they have already confirmed the figures for the PPI and my reasons for the mis-selling are straightforward? Incidentally I already provided them with a copy of all documents I had, which includes the agreement for one of them. Yes I did sign an acknowledgement of purchase but that does not show whether I understood, or if it had even been explained to me that the policy would not pay out in my circumstances!

moneyangel22

cappo wrote: »

it certainly is a tactic moneyangel i'm having this with LTSB at the moment,don't be sucked in by them i've been told that i don't have ppi on 2 credit cards,well i'm sticking to my guns,i know full well i had ppi on them and the sar should confirm it, talk to the bank advise them of there obligation to give you either copies of the originals or reconstituated agreements for your accounts or you will be contacting the ico and fsa,that should do it, i had the same with HSBC 3 years ago they knew what i wanted the paperwork for and sent me a letter to say they could'nt find the agreements,surprise surprise they've just found all my ppi accounts,keep at em.:)

Do you think they still have the original paperwork then, despite the age of the loans?

They are telling me that although one of them did not end until Apr 08 they do not have the original agreement for this, but they have sent me a statement of transactions for it. If it was still open then that would make it unenforceable wouldnt it?? Shame it is all paid off! ;-)

What should I do now? Complain to the ICO or FSA?

Thanks!!

Emma2588

jason.c wrote: »

So you guys pretend to give advice to get people interested and then when there in you shut the door and ask them to take there cloths off.

cooooooool :j

Thats better than being stabbed in the back by the banks, that is what they do when they have got you through the door.

sapman17

loans.co.uk loan ppi upheld my complaint on june 2 called a few times know they say they are calculating the figure my question is do they have a certain time limit to get back to me with a figure I have called them twice know and they said they had the details back from G.E. money beginning of July I have called the FOS know they seem to be dragging there heels and they said let them know and they will put a complaint letter to them about how long it is taking but i am worried if I get back in touch with the FOS about how long it has taken.
help much appreciated

The_Marksman

jason.c wrote: »

So you guys pretend to give advice to get people interested and then when there in you shut the door and ask them to take there cloths off.

cooooooool :j

we dont shut the door, how would the others join in! :eek: & we dont sell you anything :rotfl::rotfl::rotfl:

k77mss

hi guys while looking for something yday i found hfc card which changed to beneficial finance then to marbles totally confused but phoned hbos as that was the no hfc gave me and guy took complaint over the phone then today found my husbands marbles card and some statements and it had ppi on it also so phoned hbos and gave details and found out it was joint and i had card too.my financial situation was so bad don't even know what cards or loans we had good job i kept some letters, old cards and bank statements don't think i have any more hiding now up to 15 ppi complaints!
sorry question was anybody had any luck with hbos on credit card owned by hfc then beneficial then marbles!
thanxs

cappo

moneyangel22 wrote: »

Do you think they still have the original paperwork then, despite the age of the loans?

They are telling me that although one of them did not end until Apr 08 they do not have the original agreement for this, but they have sent me a statement of transactions for it. If it was still open then that would make it unenforceable wouldnt it?? Shame it is all paid off! ;-)

What should I do now? Complain to the ICO or FSA?

Thanks!!

i'd give the ico a call and see what they say as this is a data protection act data dispute it falls under there purview,i don't trust banks to come up with the goods as it were, as marksman says there probably looking at the agreement as they speak to you, try this number.




http://www.ico.gov.uk/



http://www.fsa.gov.uk/