PPI Reclaiming Discussion part 4

cappo

irnbru74 wrote: »

Hi,
You may remember that I got a letter fom Funding corp stating that they didn't think my policy was missold, but if I was unhappy I could get back to them. I phoned and stated I was unhappy with response and sent SAR to them.
A few days after SAR info sent to me, they sent me a final response letter. You would think that as I had verbally informed them that I would be taking it further and the SAR, they would have delayed final response letter.
I emailed them on the 16th Sept to redress misselling points and raise new points of misselling. I have received no correspondence from them, so decided to phone today.
Not really about complaint, but why I had acknowledgement of email.
Anyway, I was then told they are not obliged to respond as complaint has been closed, I stated that I had raised new complaints and they told me that they would not be investigating this as they had issued their final response.
Is this right?
thanks

Hi irnbru if you have new issues they should be addressed, threaten the funding corp with contacting the fsa and see what they come back with, i have had ongoing issues with LTSB for 4 months but never had a final response i had high hopes of sorting it without the ombudsman, now i've sarred them and managed to get some account numbers, i'm now going to submit the same complaints on fos questionaires, there just trying to throw you off the scent stick with it.

irnbru74

The funding corporation are now responding to people via this forum as ACF car finance.

cappo

irnbru74 wrote: »

The funding corporation are now responding to people via this forum as ACF car finance.

there all making it up as they go along i think, the delaying tactics of these lenders is incredible they steal your money then try to find excuses as to why they don't have to pay you back.

irnbru74

Cappo, they have a user name and replying to people's posts!

cappo

irnbru74 wrote: »

Cappo, they have a user name and replying to people's posts!

what do you mean irnbru, do you mean what i think you mean?:eek::eek:

irnbru74

instead of coming to the main threads look at individual posts - jimmy 46 I think

cappo

irnbru74 wrote: »

instead of coming to the main threads look at individual posts - jimmy 46 I think

Will do irnbru

cappo

irnbru74 wrote: »

instead of coming to the main threads look at individual posts - jimmy 46 I think

I see what you mean they've got some brass neck coming on here haven't they?

bonzo820235

Hi
Has anyone come across my situation?

i have had my credit card 16 years up to now,i requested my agreement which was ticked for no ppi, so i made a claim
the complaint was upheld, ppi premiums plus associated interest
£3,206.00 plus 8% interest of £1.60 ?
this has been applied to my account already, it was not an offer

of course i am happy to recieve the money, but,i am sure i paid more ppi premiums over 16 years, i am not sure how they worked out the £1.60 8% interest either, i have not been asked to sign a disclaimer which i know others have, also i thought they would give me a breakdown of my ppi payments over the years, but they now say they will not enter into any further correspondence unless instucted by the fos.

it sounds to me they want me to take this further with the fos
am i right or wrong to think this

any advice or suggestions would be much appreciated

di3004

bonzo820235 wrote: »

Hi
Has anyone come across my situation?

i have had my credit card 16 years up to now,i requested my agreement which was ticked for no ppi, so i made a claim
the complaint was upheld, ppi premiums plus associated interest
£3,206.00 plus 8% interest of £1.60 ?
this has been applied to my account already, it was not an offer

of course i am happy to recieve the money, but,i am sure i paid more ppi premiums over 16 years, i am not sure how they worked out the £1.60 8% interest either, i have not been asked to sign a disclaimer which i know others have, also i thought they would give me a breakdown of my ppi payments over the years, but they now say they will not enter into any further correspondence unless instucted by the fos.

it sounds to me they want me to take this further with the fos
am i right or wrong to think this

any advice or suggestions would be much appreciated

Hi there

First of all well done on your success!:beer:

I would ask if you've not done so yet, for a calculated breakdown of how they come to the amount, you have the right for these details, meanwhile hopefully someone will be along soon to check this over for you, good luck.