PPI Reclaiming Discussion part 4

di3004

simon1111 wrote: »

thanks for the reply the letter states

We note that your complaint relates to a period that is outside of the the limits for referal to the financial ombudsman.The finacial ombudsman will be unable to deal with your complaint unless there are exceptional circumstances

Arh I see, so basically this should have been dealt with at an earlier time within the 6 month timescale? This is mainly the reasons here for some.

Maybe you had personal reasons why you did not continue to deal with this matter earlier, maybe health issues etc, you can try contacting the FOS if you do have a good reason you think may help you case in order for them to consider:
http://www.financial-ombudsman.org.uk/contact/index.html

di3004

simon1111 wrote: »

sorry in my haste to reply no i do not have any documents

If you can write to them to request a copy of the agreement, enclose a £1 postal order or cheque payment, they should supply this document by 12 days of your request.
(post by recorded delivery).;)

useless101

I am in the process of claiming Credit Card charges from Halifax and I was wondering if anybody had claimed the PPI insurance that was sold with the card on the basis that they told me the charge would be 78p per £100 but they did not state that the amount was per month not as I thought per annum. I would be gratefull for any advise Thanks and keep up the good work.:T

pinknico

simon1111 wrote: »

sorry in my haste to reply no i do not have any documents

Dont ever take a companies word for it that the FOS wont look at a complaint ,ring them (FOS) first.

maxdp

useless101 wrote: »

I am in the process of claiming Credit Card charges from Halifax and I was wondering if anybody had claimed the PPI insurance that was sold with the card on the basis that they told me the charge would be 78p per £100 but they did not state that the amount was per month not as I thought per annum. I would be gratefull for any advise Thanks and keep up the good work.:T

Hi Useless have not heard of that at all. If that is what you believed though then write and tell them how you felt you were miss sold.

Good Luck

AverageJoe_4

simon1111 wrote: »

Hi Everyone newbie here so be gentle with me!!!
I have contacted mbna with regards reclaiming my ppi and have today received the fob off letter highlights include!!
The ppc was applied to my account after a telephone conversation with one of there specailsits.not required to record all calls etc
usual stuff about having had the chance to cancel
ppc premiums are clearly shown on staement ,blah blah
However as always with these things the meat is in the last couple of paragraphs. i did cancel the policy in march 2007 which they did do, to be fair.but they are saying that they are satisfied the the cover was requested although dont seem to be able to supply any proof as all calls do not have to be recorded.They also state that all internal complaints procedures have been exhausted.And that is there final response.And finally that my complaint for the period between spt 2001 and march 2007 is outside time limits for referal to the fos and they will not enter into correspondence on the matter.
So there you have it , basically can i continue as it would appear to be my word against theirs. Or are they just fobbing me of. i would really appreciate any help.cheers

Mate, if they are actually saying that the PPI was bought on the phone legitimately and that therefore you have no case, then they'll need to provide evidence to support their claim.

scoodies

Hi guys, hope you are all well?!

OK, so I am absolutely livid!! I'm shaking I'm that mad...lol

Anyway, sent 1st template letter off to C(r)ap One a couple of weeks ago and just got a reply today.

It states that I was sold PPI during a telephone conversation in August 2008.......My account was opened in August 2002!!! Anyway, I rang them to check how long I had been paying PPI on my account and the guy told me he could only go back 6 months???!!!!!! I told him I couldn't remember getting a call from them in August last year for PPI, and he said.....'We don't cold call, you must have rung us!'......AS IF!! So, to cut a long story short, I've just dug out a couple of statements from 2007 and PPI is on there.....I'm presuming that they have got the date wrong and did mean 2002?! I also think that this could be their standard fob off letter...

I'm going to write the stage 2 letter this weekend, along with a SAR and £10 cheque......

The saying "Right arm doesn't know what left arm is doing!!!" seems to spring to mind!!! :rotfl:

AverageJoe_4

scoodies wrote: »

Hi guys, hope you are all well?!

OK, so I am absolutely livid!! I'm shaking I'm that mad...lol

Anyway, sent 1st template letter off to C(r)ap One a couple of weeks ago and just got a reply today.

It states that I was sold PPI during a telephone conversation in August 2008.......My account was opened in August 2002!!! Anyway, I rang them to check how long I had been paying PPI on my account and the guy told me he could only go back 6 months???!!!!!! I told him I couldn't remember getting a call from them in August last year for PPI, and he said.....'We don't cold call, you must have rung us!'......AS IF!! So, to cut a long story short, I've just dug out a couple of statements from 2007 and PPI is on there.....I'm presuming that they have got the date wrong and did mean 2002?! I also think that this could be their standard fob off letter...

I'm going to write the stage 2 letter this weekend, along with a SAR and £10 cheque......

The saying "Right arm doesn't know what left arm is doing!!!" seems to spring to mind!!! :rotfl:

Belive me, they know EXACTLY what they are doing. IF PPI was sold on the phone, then ask for all call transcript copies relating to your account from day one - they will "not have them", but like I said above, if they make a claim saying it was sold within their rules, ask them to back this up - if they cannot, then they leave themselves wide open.

The SAR is a good start. Templates are good, but add some punch, tell them they have mis-sold because (and state reasons as pure facts) - if they dispute it then ask for the evidence they have to uphold their claim.

It's all about putting the pressure on them to prove themselves.

AJ

di3004

useless101 wrote: »

I am in the process of claiming Credit Card charges from Halifax and I was wondering if anybody had claimed the PPI insurance that was sold with the card on the basis that they told me the charge would be 78p per £100 but they did not state that the amount was per month not as I thought per annum. I would be gratefull for any advise Thanks and keep up the good work.:T

Hi there

Yes I have in fact been successful reclaiming the PPI on mine through the Financial ombudsman service (FOS), if you feel you were mis sold this for any reason, go for it hun, and of course if its worthless to you as well.

Check here for more info and template letters used for both ppi on loans and credit cards.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

If you require any help, just give us a yell, good luck.;)

Di
X

scoodies

AverageJoe wrote: »

Belive me, they know EXACTLY what they are doing. IF PPI was sold on the phone, then ask for all call transcript copies relating to your account from day one - they will "not have them", but like I said above, if they make a claim saying it was sold within their rules, ask them to back this up - if they cannot, then they leave themselves wide open.

The SAR is a good start. Templates are good, but add some punch, tell them they have mis-sold because (and state reasons as pure facts) - if they dispute it then ask for the evidence they have to uphold their claim.

It's all about putting the pressure on them to prove themselves.

AJ

Thanks very much for that AJ.

Will it be a problem if I send for the SAR first before sending the 2nd stage letter, or should I send them both together?