PPI Reclaiming Discussion part 4

eirelav1962

hi all had ppi with monument posted letters 2 them send a letter saying i had paid 485 pounds from 2001to 2007 as i gesture of goodwill they offer me 242 pounds they said i had only paid 485 any help would be great

kalikin

eirelav1962 wrote: »

hi all had ppi with monument posted letters 2 them send a letter saying i had paid 485 pounds from 2001to 2007 as i gesture of goodwill they offer me 242 pounds they said i had only paid 485 any help would be great

Hiya

Don't know if you have seen my posts on this

Monument was originally part of the Barclays group of cards
then approx 4/5 years ago a number of accounts were sold to other lenders (in my case an r rapheal and son) then it has now been sold onto compucredit

The issue seems to be when barclays had it I believe they had an insurance policy at point of sale

when it was then sold on it appears to have turned into something called PAYMENT BREAK PLAN where they take your money and if you are sick etc you can stop making payments or paying interest BUT THEY DONT TAKE THE NORMAL PPI ROUTE OF PAYING BACK YOUR BALANCE - YOU STILL HAVE TO PAY THEM TO REDUCE IT

I have sent the FOS questionnaire and im sure like you I'll get this ex gratia offer - there are other people who have had the same see
https://forums.moneysavingexpert.com/discussion/3177068

Im just going to go FOS on it if I dont get a full refund plus interest

Hope this helps

di3004

Soooooooooo happy for you Steve/Cappo, well done and for staying on this one, I knew you would get there eventually.

Congratulations!:T:beer::j xxxx

MRGANNET

Quick question guys - Egg rejected my complaint earlier this year on the basis that no charges had been applied in the last 6 years. I have subitted a subject access request and received a ll the paperwork today. All I know is that PPI was applied in March 2003 when I applied online, however the statements provided only go back to 2005 so there is no record of how much I have actually paid. Is it simply a case I should take it to the FOS, and do Egg have a case if they simply argue that they have no data relating to payments over 6 years old and are therfore unable to make a refund?

cappo

MRGANNET wrote: »

Quick question guys - Egg rejected my complaint earlier this year on the basis that no charges had been applied in the last 6 years. I have subitted a subject access request and received a ll the paperwork today. All I know is that PPI was applied in March 2003 when I applied online, however the statements provided only go back to 2005 so there is no record of how much I have actually paid. Is it simply a case I should take it to the FOS, and do Egg have a case if they simply argue that they have no data relating to payments over 6 years old and are therfore unable to make a refund?

hi mr gannet i would'nt pay too much regard to this, i'm chasing 3 LTSB refunds the bank will not admit to me having ppi when i know i had it and i had those policies 20 years ago,, this has so far taken 6 months to get sorted out i managed to eventually get the account numbers, when i sarred them i've threatened them with the mp now on Di's advice, chase this i would not be fobbed off we've had posters on here get told the same thing and they went on to claim a good win. good luck:) this is all part of the game now the banks will do anything to get out of paying, play them at there own game and remember most staff in banks are being told to fob people off now.

lisajaynec

Hi All,
Received one of my requested SAR arrived this morning after 44 days by DHL from Barclays,(Only waiting on co-op and santander now) i was hoping the info would go back to the 1990s but it doesn't, but it contains an experian report on me from 2009 when i re mortgaged. this has provided some more information on previous loans but it has some of the experian sections blacked out with marker pen when they are obviously loan or credit cards and i'm unsure why. Anyone any ideas?
I have tried to phone then with the number on top of the page but the indian man who answered said he had never heard of a data team!

cappo

lisajaynec wrote: »

Hi All,
Received one of my requested SAR arrived this morning after 44 days by DHL from Barclays,(Only waiting on co-op and santander now) i was hoping the info would go back to the 1990s but it doesn't, but it contains an experian report on me from 2009 when i re mortgaged. this has provided some more information on previous loans but it has some of the experian sections blacked out with marker pen when they are obviously loan or credit cards and i'm unsure why. Anyone any ideas?
I have tried to phone then with the number on top of the page but the indian man who answered said he had never heard of a data team!

hi lise refer to above post lol these bankers are pieces of work

lisajaynec

Any one got a customer service email address for the co-op besides the ceos address that im using with out much joy regarding my my request which is now 44 days old without any acknowledgement or receipt even although i sent it by recorded post.
The ceo email address I'm using is
barry.tootell@cfs.coop
Also when and how do i take a complaint to ICO?
thanks
Lisa

cappo

lisajaynec wrote: »

Any one got a customer service email address for the co-op besides the ceos address that im using with out much joy regarding my my request which is now 44 days old without any acknowledgement or receipt even although i sent it by recorded post.
The ceo email address I'm using is
barry.tootell@cfs.coop
Also when and how do i take a complaint to ICO?
thanks
Lisa

Hi lise well our lovely Di or lorraine are the email addy specialists but i can certainly help you with the ico as i have considered going down this route myself, follow the prompts below my woman all the best, steve



http://www.ico.gov.uk/

cappo

di3004 wrote: »

Soooooooooo happy for you Steve/Cappo, well done and for staying on this one, I knew you would get there eventually.

Congratulations!:T:beer::j xxxx

Thank you Di it was you giving me the will to carry it to the ombudsman,:A i must admit i'm tenacious but even i was going to drop this after the adjudicator rejected it.:A:A:A:A:A