PPI Reclaiming Discussion part 4

cappo

monners wrote: »

Did post a more detailed account of all this but its disappeard into cyberspace, so here is the shortened version.

As we were in arrears our account had been passed onto the Albion (the debt collection arm of the Halifax). In May 2011 after receiving the settlement figure from them we paid off this loan. So we were completely astonished to receive a statement from Halifax (not the Albion) in August 2011 showing there was still a balance owing on our loan. We contacted the Albion who checked out the details and listened to the taped telephone conversations and it showed that we did in fact pay off the settlement figure that was quoted to us and they said that as a consequence (even though a mistake may have been made on their part) any amounts due would be written off. Imagine our shock this morning on receiving a settlement letter from Halifax stating that as there were payments still owing on our loan we would have to agree to sign a new loan agreement (minus any ppi) before we could get any ppi that is due to us refunded. Now to me this does not sound right............ A NEW LOAN AGREEMENT??? What do the experts think about this? I am begging for some advise pleae!!!

this isn't right monners ,have you got the original offer letter and confirmation of payment including all receipts, invoices etc if you have and you have settled on a full and final settlement made to you by the bank i can't see you have any worries, full and final settlement means just what it says.

sunny8_2

cappo wrote: »

hi sunny my lovely, it sounds promising:)

Thanks steve, oh i do hope so...;);)xx

monners

A I stated Cappo this was all arranged with Albion over the phone!! They (Albion) have admitted to us after playing back the taped telephone conversations, that we paid the settlement figure quoted to us at the time and any mistake that may have been made by themselves will be written off. Unfortunately nothing in writing though, but we have names and details and this will have to be fought to the end. We certainly would not have paid an amount over and above our arrears if it was not the final settlement figure.

smitchy73

sunny8 wrote: »

hey guys....update....update...:p:p

After contacting CB last week after they requested i speak with them & them telling me that they uphold 1 of my loans (I had 3, they were all rolling/refinance) i emailed the CEO & PPI mamanger to explain that under FSA guidance, banks should consider all loans blah,blah,blah..;) anyway, emailed the PPI manager back tonight to ask if they had chance to read my email amd clarify if they would look at my other loans or i would need to SAR them (which i already have...wasting no time ) and i have just got this response....
."We are in receipt of the further email sent and a further review has been completed we will be in touch with you in due course to confirm our position".......:eek: (dances) what do you all think??
Do you think they will look at my other loans or give me the brush off? :)xx

I think that they'll be looking at the other loans, I also think that as soon as you start to quote parts of the FSA guidance manual and you let them know that you know some details of your rights they start to cave in.
Fingers crossed Sunny8:D

smitchy73

l.m.hart wrote: »

thank you:D

You're most welcome:D

asherz

Just like to say a massive thankyou to mse and everyone on here, sent the template letter to reclaim my ppi 8 days ago and had a response offering me £1628.50. Should be put into my bank within the next to weeks.
So thankyou everyone..
Ash

di3004

sunny8 wrote: »

I will - oh i am excited.....i know the other loans go back to 1998 & they say they can only pay out on the last loan i took due to it being in 2004 but surely they can look at all of them & not just the 1
I have sent a SAR regardless as they say they simply just havent got the paperwork going back then..but i have told them that every single loan (3) was taken out in exactly the same place, same circs, so if they have upheld 1, the rest should be the same.....here's hoping :A:A
Thanks di ;)xx

Thats the way sunny :j:jgood for you, will keep an eye on your updates, you will get there xx:beer::A:A

di3004

monners wrote: »

A I stated Cappo this was all arranged with Albion over the phone!! They (Albion) have admitted to us after playing back the taped telephone conversations, that we paid the settlement figure quoted to us at the time and any mistake that may have been made by themselves will be written off. Unfortunately nothing in writing though, but we have names and details and this will have to be fought to the end. We certainly would not have paid an amount over and above our arrears if it was not the final settlement figure.

Hi

Have you requested for a subject access request (SAR) they have 40 calendar days to comply and send you all data in relation of your account(s), you send the request to the ones who set this up and all info even of the Albion company should be enclosed.

However, you enclose a one of payment of £10 cheque or postal order for this request, and below is link it a SAR template letter, hopefully the details you require will be enclosed, good luck.

https://forums.moneysavingexpert.com/discussion/1475553

If they are unable to provide you with a recording of the calls, then there should be written transcripts within the SAR, fingers crossed.;)

di3004

asherz wrote: »

Just like to say a massive thankyou to mse and everyone on here, sent the template letter to reclaim my ppi 8 days ago and had a response offering me £1628.50. Should be put into my bank within the next to weeks.
So thankyou everyone..
Ash

Great work Ash :T Congratulations!:beer:

tcem

Hi little bit of advice wanted - I've been looking at the info about reclaiming ppi but there is so much info on here to read through. I just wondered if someone could tell me whether I would be wasting my time but I had a car loan with Barclays in the early to mid 90's and a mortgage with Abbey National - I'm pretty sure I would have had PPI as I was quite young at the time. I have no paperwork going back to these. Sorry if this seems a daft thing to ask!!! I'm sure I have read somewhere about anything over 6 years probably will be unsuccessful. thanks for any help.