PPI Reclaiming Discussion part 4

di3004

alfieboy wrote: »

hi
thanks for helping me on this, they have said it is a final response and have said i have the right to refer it to the ombudsman. i never filled in any forms i only spoke to someone on the phone to register my complaint.

Your welcome alfie.

Sometimes but not often, they will even change a final decision, depending on what reasons you give them, so maybe you could this time write to them and explain that you wasn't given the opportunity to write with further information, and only dealt with the complaint verbally, so you feel your case has been overlooked.

You can then ask them to reconsider and ask them to take into consideration your reasons, ask if they can get back by 14 days, and if you hear nothing you assume the decision is the same, then you will complain to the FOS.

Its up to you of course, but if you hear nothing at all by then or they keep to the same decision then move on to the FOS.

Maybe worth another shot anyway, fingers crossed.;)

alfieboy

hi Di
okay will try this:) i feel i was missold this because i dont remember taking ppi out, i was a director of a company at the time with 6 months fully paid sick pay and 6 months half pay. Also i dont beleive my circumstances were fully explored as to my ned for ppi plus i was never told anything about ppi and if i did take it out it would have been because i would have been under the impression it was part of obtaining the credit card, does this make sense and is it enough to get a complaint upheld ?

di3004

alfieboy wrote: »

hi Di
okay will try this:) i feel i was missold this because i dont remember taking ppi out, i was a director of a company at the time with 6 months fully paid sick pay and 6 months half pay. Also i dont beleive my circumstances were fully explored as to my ned for ppi plus i was never told anything about ppi and if i did take it out it would have been because i would have been under the impression it was part of obtaining the credit card, does this make sense and is it enough to get a complaint upheld ?

Yes you do have good reasons here, tell them you assumed it was all part of the package and if you were informed that it was optional then you would have had the opportunity to confirm that it would be worthless to you and you do not require it as a director.
Everything helps, and for these reasons it should be upheld in my opinion x;)

di3004

trish22 wrote: »

Anyone had an Egg credit card since 2003,i have all the paperwork and it looks as though all the paperwork sent through,that the PPI was automatically put on,Never have PPI,so they must have added it without my knowledge. Anyone found around this year 2003,they automatically put it on.by the way it was done online

Hi

That would not surprise me at all trish, it was like this with my lloyds credit cards agreements as well x

alfieboy

hi Di
okay i will do this tomorrow and send it recorded delivery. sorry to be a pain is it best to send it to mbna at Chester only there is no other address on the letter i received today? also i had 1 complaint to mbna upheld in the same letter today (£2,906.83 ) do you think this would have any relevance to my rejected caim? also would like to add thanks to this site and reading everybodys comments gave me the push to follow this through am so happy today with my upheld complaint :j

di3004

alfieboy wrote: »

hi Di
okay i will do this tomorrow and send it recorded delivery. sorry to be a pain is it best to send it to mbna at Chester only there is no other address on the letter i received today? also i had 1 complaint to mbna upheld in the same letter today (£2,906.83 ) do you think this would have any relevance to my rejected caim? also would like to add thanks to this site and reading everybodys comments gave me the push to follow this through am so happy today with my upheld complaint :j

Your not a pain lol :rotfl::rotfl: its always best to ask and I would have thought MBNA, also post by recorded delivery as well so you know it reached them.
You could mention about the upheld complaint as well if you want to, it should hopefully help your case.;)

So happy for your success as well, well done!:beer:

alfieboy

ok Di will let u know how i get on, also got a complaint with lloyds tsb going back to 2005 apparently done over the phone and one with barclayard going back to 1996.Both compaints sent early June so still awaiting a decision on both, i noticed you had dealings with LLoyds now i believe with lloyds they added it without my knowledge because i did it verbally on the phone what do you think in your experience ?

di3004

alfieboy wrote: »

ok Di will let u know how i get on, also got a complaint with lloyds tsb going back to 2005 apparently done over the phone and one with barclayard going back to 1996.Both compaints sent early June so still awaiting a decision on both, i noticed you had dealings with LLoyds now i believe with lloyds they added it without my knowledge because i did it verbally on the phone what do you think in your experience ?

Sorry for the delay in me responding, my puter being naughty lol.

Yes I had all my lloyds ppi complaints upheld so far, and also have another 2 ongoing, I say you have just as much chance with your reasons with this one too.;)

cappo

di3004 wrote: »

That's good Cappo.
Been sorting our careers stuff for my Dan the man today bless him, he's going for the ICT course, love him too, he will be going into the big world, he done good today with the disability careers adviser.:T:T

thats the spirit he sounds like he's got his head screwed on.

cappo

trish22 wrote: »

Anyone had an Egg credit card since 2003,i have all the paperwork and it looks as though all the paperwork sent through,that the PPI was automatically put on,Never have PPI,so they must have added it without my knowledge. Anyone found around this year 2003,they automatically put it on.by the way it was done online

Hi trish they were all well known for doing this.