PPI Reclaiming Discussion part 4

di3004

lisajaynec wrote: »

Welcome back Di and Thank you for the advice
Lisa;)

Thank you and your welcome x;)

di3004

cappo wrote: »

Welcome back Di i bet you gave those workmen what for lol:cool:

Thank you Cappo x

LOL you can say that again, with my neighbour being as soft as a brush I spoke for him as well, I told them they should never had cut that phone cable, he said it was ok because his boss said it had to be moved, so I told him "no its down to BT, and now you've knocked the whole street off" he didn't know what to say lol. x:D

pepsimax

Hi all, I received my cheque payment from lloyds today, But i was shocked when i opened the letter, Previously i was told i would receive a payment of £431.03, but my cheque was for £40.11, This amount is the interest only, So do they send the interest out seperate from the main payment? any help would be appreciated.

di3004

tori2333 wrote: »

I contacted Barclay Card and asked for a copy of my credit agreement and enclosed a £1 chq. They responded:
"As no sum is, or will or may become payable under your credit agreement, Section 78(3)(a) of the Act provides that we are not obliged to provide you with the documents and information you seek. "
I called Barclay card to find out what this meant and no one there would help me and said thats all they could do.
What do i do next? I dont under stand the letter and not sure what to reply.
I contained the chq and the account number from this credit card account that closed in 2007. They should still hold all my information, but whenever i call them, they claim they cannot find me on their system.

Advice please......

Hiya

Do not worry about the credit agreement, just make a reclaim, you don't need the agreement to make a reclaim, as long as you think you were sold and mis sold PPI.

If the account is settled/paid off they are trying to say they are not obliged to keep copies of these, but just continue with a reclaim, they will still hold the main of the data going back to at least the last 6 years so they can still investigate.
They MUST though oblige to a Subject Access Request (SAR), this is an optional request and they have 40 calendar days to comply and send all they hold on the account going back the last 6 years, some will hold data going back prior to that.
However, with this request, you enclose the one off payment of £10 cheque or postal order.
There is a full sar letter template below link.
https://forums.moneysavingexpert.com/discussion/1475553

But remember a SAR is optional and may be useful if you have no details whatsoever to help towards your case.

To make a reclaim, you just complete the reclaim questionnaire as on step 3 below, send to the ones responsible, head office or complaints, keep a copy for yourself.
They usual is 8 weeks for them to give a decision, but currently the FSA have given the main of the banks 12 weeks.

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step3

Hope this helps, good luck x

di3004

pepsimax wrote: »

Hi all, I received my cheque payment from lloyds today, But i was shocked when i opened the letter, Previously i was told i would receive a payment of £431.03, but my cheque was for £40.11, This amount is the interest only, So do they send the interest out seperate from the main payment? any help would be appreciated.

Hiya

I would contact Lloyds to find out what is going on, just in case they made a mistake.
Is the account still an open active account? and is it a credit card?
I think if this is the case they may have awarded the refund towards the card and sent you the interest by cheque separately then, if again this is the case and they did not actually state they were doing this, do let them know you want this refund directly to you because you have already been deprived of your own money.

Good luck x

pepsimax

di3004 wrote: »

Hiya

I would contact Lloyds to find out what is going on, just in case they made a mistake.
Is the account still an open active account? and is it a credit card?
I think if this is the case they may have awarded the refund towards the card and sent you the interest by cheque separately then, if again this is the case and they did not actually state they were doing this, do let them know you want this refund directly to you because you have already been deprived of your own money.

Good luck x

I have contacted them, But they just said they will email the finance team and they should reply by next thursday....and the account is closed and it was for a loan which is also closed, I am hoping that they have just sent the interest in a seperate cheque for what ever reason

di3004

pepsimax wrote: »

I have contacted them, But they just said they will email the finance team and they should reply by next thursday....and the account is closed and it was for a loan which is also closed, I am hoping that they have just sent the interest in a seperate cheque for what ever reason

Hiya

They defo seemed to have made an error then, and should therefore also send you the full refund, they must pay you what they said they were going to pay you, because its no use them forwarding the amount to a closed account no longer used.

I would personally contact them again before next Thurs just to make sure they are dealing with it. They will have to refund you. x;)

di3004

Oh by the way PepsiMax, well done on your success.:beer: x

pepsimax

di3004 wrote: »

Hiya

They defo seemed to have made an error then, and should therefore also send you the full refund, they must pay you what they said they were going to pay you, because its no use them forwarding the amount to a closed account no longer used.

I would personally contact them again before next Thurs just to make sure they are dealing with it. They will have to refund you. x;)

Just spoke to someone else, And they told me that an error has been made, And to call back next week to see when the remainder will be sent out to me, Unfortunatly i have a feeling that this will involve another 7 week wait :mad:

amersall

Niggly wrote: »

Let the conspiracy theorists have a field day. 2/1 it was Lloyds.

However reading the above Amersall how did she get in contact hmm Amersall secret mole....

N:beer:

She phoned me on the bat phone :rotfl::rotfl:and sent me an encrypted message through the MI5 :rotfl::rotfl:
I will take 2/1 on Lloyds too.:D