PPI Reclaiming Discussion part 4

amersall

Hades112 wrote: »

Quick question for the experts here.

Just had an offer that is twice the value of my credit card outstanding balance and RBS want to put the money on it to clear the balance. how easy is it to get the extra money back or is there an alternative?

:D:DYou could transfer it to my bank :D
Well done :j:j:j

AnnieFE

I just thought I'd get some advice what to do about my PPI. I have received the letter from Barclays today about the amount that I will get back from them and I'm really chuffed with the amount as it is a lot more than I expected. The amount I got back is a little more than the actual outstanding balance on my credit card and I'm not really sure if I should pay it all off now to be debt free or pay a certain amount and pay for a few things that have been put on hold due to lack of money in the last few years (dentist, driving license etc). Any advise would be very much appreciated. I know, that no one can make that decision for me but maybe hearing different ideas will make it a bit easier for me to make that final decision.

tony.1977

just rang barclays, and a very nice lady said that they have done alot of work on my account 0n the 19th august ,and are doing the calculations but she couldnt tell me if my complaint had beed upheld ,but then she told me it would take untill the end of september to get my final decision .mmmmmmm well my 16 weeks is up on monday so i really dont know whats going on now ,any help on this and do you think its looking good for me as they are doing the calculations ?

cappo

yorkshiremum wrote: »

Thanks for that. Just reiceve letter back today from bank, with cheque returned, saying they cannot locate a copy of the executed credit agreement. I have found this letter quite intimidating, as i do not fully understand a lot of terms they use.
They have said that if they find the copy,they will enforce it or can reconstitute it at any time in the future.
I have started filling the questionaire in, but my parents are now worried that they will have to pay the credit card off in full if we continue with this, as the letter we recieved gives that impression. HELP......

hi yorkshiremum i'm under the impression,sorry if i'm wrong that you were trying to check to see if one of your accounts namely a credit card is enforceable,don't worry and don't be frightened by the banks bluster, we've all had it on here have you a reason for misold if you have i'd counter with a misold claim,the banks cannot do anyhing to you unless it is enforced by the courts and believe me the courts take a dim view of the banks bullying,try not to worry.

phil_coxon

Hi everyone I'm new to this forum and was wondering if anyone else have had a ppi claim handled by Eatons solicitors in Bradford--they are
handling mine and have been doing so since august 2008 against first plus and central capital I'm just annoyed it's taking so long,has anybody else had to wait this long--they are charging me 25 per cent
plus vat

cappo

tony.1977 wrote: »

just rang barclays, and a very nice lady said that they have done alot of work on my account 0n the 19th august ,and are doing the calculations but she couldnt tell me if my complaint had beed upheld ,but then she told me it would take untill the end of september to get my final decision .mmmmmmm well my 16 weeks is up on monday so i really dont know whats going on now ,any help on this and do you think its looking good for me as they are doing the calculations ?

if there doing calculations tony then it's been upheld

cappo

phil_coxon wrote: »

Hi everyone I'm new to this forum and was wondering if anyone else have had a ppi claim handled by Eatons solicitors in Bradford--they are
handling mine and have been doing so since august 2008 against first plus and central capital I'm just annoyed it's taking so long,has anybody else had to wait this long--they are charging me 25 per cent
plus vat

Hi phil they do take a long time and 25% + vat is normal if you have anymore claims put them in yourself it's very easy, all done for the price of a stamp.

cappo

AnnieFE wrote: »

I just thought I'd get some advice what to do about my PPI. I have received the letter from Barclays today about the amount that I will get back from them and I'm really chuffed with the amount as it is a lot more than I expected. The amount I got back is a little more than the actual outstanding balance on my credit card and I'm not really sure if I should pay it all off now to be debt free or pay a certain amount and pay for a few things that have been put on hold due to lack of money in the last few years (dentist, driving license etc). Any advise would be very much appreciated. I know, that no one can make that decision for me but maybe hearing different ideas will make it a bit easier for me to make that final decision.

Hi annie i've now had hsbc uphold 7 claims and i'm clearing my o/d and credit card anything left i'll bank, always better to clear the debt first as borrowing is a lot dearer and once the moneys gone you'll have missed a good opportunity.

cappo

amersall wrote: »

:D:DYou could transfer it to my bank :D
Well done :j:j:j

Or mine.:j

tony.1977

cappo wrote: »

if there doing calculations tony then it's been upheld

cheers cappo ,its about time barclays pulled their fingers out :rotfl:ill keep you posted if i ever get the figures:)