PPI Reclaiming Discussion part 4

nerul

I have received a big offer today for over £16,000 from Lloyds TSB. Problem is that the breakdown is so simple it doesnt give me enough info.

It appears that I will get the difference between the front load and the rebate plus interest. Loan was paid of early after 27 months.

In the offer there is no referral to the monthly payment for 27 months of £208.00. It just appears to be applied to the difference to what was paid up front and what was rebated.

Is this correct ? Thanks to you all

draceana

Hello All.
I wrote in May 2011 to the bank asking for the agreement for the account , i already have the statements as i have already claimed back unfair charges on this account.
They did not reply.
I left a post on here asking what you think i should do and someone :Avery kindly got back to me saying that i ought to just send in the form (FOS form on here).
I sent in the form (FOS) at the begining of august and received a reply saying that they will look into it and get back to me.
Last week i received a copy (out of the blue, remember i asked for this in May) of the agreement and the PPI is not ticked. IT looks like they just added it without asking me.
This is a credit visa card account and i paid it off in full a couple of years ago. The PPI only appeard on my statements when the debt reached £4000. I do not remember being asked if i wanted the PPI and i was self employed at the time (still am) so not even sure if it was suitable for self employeds.
Will they still process my complaint? Or do i need to resend the FOS form?
Any advice would be greatly appreciated.
Thankyou

mking

Derwent wrote: »

Hiya, was your dad's estate administered by a solicitor after he passed away ? If so it may be worth contacting the solicitor to see if they have any paperwork because the creditor would have had to provide proof of the debt to the solicitor before they were paid out - they may well have provided a copy of the overdraft agreement to claim their money from the estate.

Hi, thanks very much. Yes, we did have a solicitor and I'm still in touch with the firm, but hadn't thought about contacting them for this. They did act at the time for us to chase up L&E when L&E refused our claim, but they got nowhere because of the "prior medical condition" point.
So I will give them a call on Monday and see if they have any records in storage. Thanks again.

Michael

sunny8_2

cappo wrote: »

You are sunny arn't you? have a great weekend yourself sunny.

Thank you cappo...:) xx

sunny8_2

Happy sunday everyone....have a good day :) xx

cappo

sunny8 wrote: »

Happy sunday everyone....have a good day :) xx

you too sunny,what have you got planned for today?

sunny8_2

nerul wrote: »

I have received a big offer today for over £16,000 from Lloyds TSB. Problem is that the breakdown is so simple it doesnt give me enough info.

It appears that I will get the difference between the front load and the rebate plus interest. Loan was paid of early after 27 months.

In the offer there is no referral to the monthly payment for 27 months of £208.00. It just appears to be applied to the difference to what was paid up front and what was rebated.

Is this correct ? Thanks to you all

Morning Nerul, well done on your claim...:j:j
Do you mind me asking, how long has it taken etc, as i have a front loaded ppi, which commenced in Oct 2008, i complained May 2011 & they blatantly refused the mis selling, so off to the FOS i went in June. The FOS said with the backlog it could be 9 months , i am trying to remain positive but it was a 5 page refusal letter stating like - eg: i had excepted it, i knew the terms etc, however, i have denied all this, furthermore, they sent me a CD of the conversation & i can be heard stating that we have brilliant employment cover, and additional private cover, but as i had never had a loan over £10, 000 before, what would they recommend ...and the sales lady states that it if it were her she would take the cover & it would be much better for us & the company if we took the cover - no T & C or costs were discussed otherwise i would of run a mile :(:( so i will wait & see...i have hope as our good friends on here; Di, Amersall & niggly have said that front loaded ppi is the ppi that should be upheld as it is difficult to defend (dances) :). Would be great to hear how you done it..congratulations :T:T:T:Txx

sunny8_2

cappo wrote: »

you too sunny,what have you got planned for today?

Not a lot Cappo.. to be honest with you, one of my dearest friends is gravely ill in hospital, having fought cancer for 5 years and i am just waiting for a call :( , we have waited all night, but in continuous corragious spirit, he is still with us..so here i am having a little light relief...my little one is at party this afternoon so i am sure that will keep me busy!!:):) Are you doing much today capo? xx

sunny8_2

draceana wrote: »

Hello All.
I wrote in May 2011 to the bank asking for the agreement for the account , i already have the statements as i have already claimed back unfair charges on this account.
They did not reply.
I left a post on here asking what you think i should do and someone :Avery kindly got back to me saying that i ought to just send in the form (FOS form on here).
I sent in the form (FOS) at the begining of august and received a reply saying that they will look into it and get back to me.
Last week i received a copy (out of the blue, remember i asked for this in May) of the agreement and the PPI is not ticked. IT looks like they just added it without asking me.
This is a credit visa card account and i paid it off in full a couple of years ago. The PPI only appeard on my statements when the debt reached £4000. I do not remember being asked if i wanted the PPI and i was self employed at the time (still am) so not even sure if it was suitable for self employeds.
Will they still process my complaint? Or do i need to resend the FOS form?
Any advice would be greatly appreciated.
Thankyou

Hi D, I have placed a claim with Clydesdale/Yorkshire for loan PPI going back to 1994, they were relatively small loans..never over £4000, however, i have had to email several times...they never acknowledged my claim after 4 weeks, then just told me the usual 8 weeks..i emailed last week for an update to no reply :( They dont seem the best of communicators...Good luck :T:Txx

DazzlerG

Morning all,

I had a Natwest card that, due to some financial problems that I encountered, was passed on to Triton. I've almost finished paying Triton off, but I'm not sure whether the fact that i defaulted on payments to Natwest would preclude me from reclaiming PPI?

Any advice would be much appreciated.

Thanks.