PPI Reclaiming Discussion part 4

MagP

Was it an 0161 number that called cause I think I might have had 2 of they missed calls today!

smitchy73

MagP wrote: »

Was it an 0161 number that called cause I think I might have had 2 of they missed calls today!

I think it might've been, it's gone from my list of numbers but I think it was and it was definately an english accent too.

MagP

How do these claims companies know your info? I don't get it, surely they must know people are wise to it now and don't need them?

di3004

virtuous wrote: »

Hi Di3004 and Niggly,

I have been away for sometime. I have been fighting with Halifax all this time, Niggly do you remember you calculated the second loan refund for me, they claim that their calculation is right and that if I do not agree I should go to Ombudsman. The other thing I am still fighting with them is sending my money to Insolvency Receiver even after sending them the Discharge Letter. They say that it is now my responsibility to contact the Official Receiver if I disagree on this. First of all, they are the ones who contacted them. I finished business with them when I was discharged. Could you please help me here. I keep sending all these emails to their Chief Executive and all he does is forward them to their Customer Relations who also in return keep sending me letters.

Hiya

Hope your well.

Hopefully Niggly will be here at some point with some help/advice on where to take this on the calculations.
Hope this matter is resolved soon, fingers crossed.;)

amersall

clarksdore wrote: »

Today I received a cheque from Egg for my credit card PPI and received £3116 success thank you Martin.

Below is an email that I sent to Martin about my husbands PPI with Egg anyone else found the same problem.

Just wanted to run something passed you regarding PPI. My husband has for quite a while been asking me to check to see if we had been paying PPI on any of our credit cards and loans (which we have had many).

Because most was done on-line and they are now settled and closed as we paid them off last year (although we have a Cahoot and Virgin which has PPI on so making a claim against them). I did not have the other account numbers or any other information required to complete the reclaim forms, also I was not sure if we had been paying PPI. Anyway the other week I checked on Experian and found all the names of the banks where we had credit from and the date started and dates when we cleared the accounts which was great and a good start, then I was checking something on my bank account and I noticed that they keep a record of card numbers which again was fantastic so i filled out the form with as much details as possible stating that I wish to re-claim any PPI paid this is directed firstly at EGG. I sent all letters by recorded delivery.

Anyway we both got letters back from EGG saying that they had received our complaints and would deal with them in the specified time required. Then a couple of days later my husband received a letter saying that he had never taken out the PPI and therefore not paid it and not entitled to a reclaim so they had closed his complaint, but in the letter at the bottom it says, "Unless you are able to provide any additional information or evidence, which would affect the decision your complaint will remain closed". So we thought OK then obviously we didn't pay PPI and left it there.

He took his card out in Jan 2002 and mine in June 2002 the same year.

Anyway the other morning something prompted me to see if we could access his egg account, then we decided not to bother as we asked for the account to be closed as they had put our interest up from 16% to something like 24% when we have a good credit, so we probably wouldn't be able to access the account. Then at teatime on 29th Sept something prompted made me to think I'll check on my account so I logged on and could not remember my password so phoned them and they reset my password, I logged into my account and to my surprise the account was still there and I was able to get statements back to October 2009 and there was PPI at approx £45 plus added to my statements. You can imagine how happy I was. Anyway I tried to copy them out put my printer was not working so I saved them onto my computer. When my husband got home that night around 10pm we phoned egg to ask for them to reset his password which they did and when we logged we could not get any of his statements and it said that no egg accounts to display at this time which we thought was very funny as I could access mine back to October 2009. THEN on the 1st October I got an email saying that I had got a secure message on my egg account so on the 2nd October I logged on and low and behold all my statements had gone and it was displaying "No egg accounts to be displayed at this time" same as my husbands, which I find a bit suspicious as we had made claims and they have taken our statements off (lucky for me I had saved mine on the computer). I have sent them an email today 3rd October asking them why my statements have vanished so am just waiting for a reply. But I think there seems to be something fishy considering them statements must have been on my account for two years then we try and make a claim and they all of a sudden disappear. I am still waiting a reply from my claim. I just wondered if you have heard anything like this before and can you advise me if there is any other way in which we can get my husbands statements. I will email them today and ask them also.

Also I contacted CAHOOT asking for a copy of my statements and they said that I will have to pay £5.00 per statement, is this right??

Sorry to go on a bit but it just seems very strange to me and I feel that something underhanded is going on.

Yours

Hi there, Cahoot can charge for statements i am afraid,you would be better off doing a SAR,this is a letter to Cahoot asking for all data that they hold on you,(is this account closed and if so when?) this will cost you £10,but is cheaper than £5 per statement.They have 40 days to give you this info,there maybe other posters on here who may know how to get info from these and they can help you more.

Re EGG,you need to complain in writing to EGG regarding the statements that went awol from your hubbys account,tell them if they do not reinstate these,you will take this to the FOS.

amersall

karlijade wrote: »

Good evening,

I took out car finance with Welcome Finance in March 2007, the finance was paid off about 6 months ago but they are no longer trading. Who do I contact to reclaim PPI? I wasnt going to bother doing it but the more I think about it the more I think actually that is MY money and I already ended paying a ridiculous amount back to them! Also I have no idea where the paperwork is of the loan agreement as I have moved house 3 times since getting it. Will this be a problem?
Thanks in advance for your replies!

Hi there, give Welcome a ring and they should find you from your name,dob and address when you took the loan out.

smitchy73

MagP wrote: »

How do these claims companies know your info? I don't get it, surely they must know people are wise to it now and don't need them?

But it's amazing how many people still won't claim cos they dont think they can, beamer posted an article from the daily mail from 2009, and it said in that article that some 6 million ppi policies had been sold in the previous 6 years, so that goes from 2009-2003. Then think of how many people have claimed back, certainly not that many, so there's still alot of people out there who could possibly still complain of the mis-sale. Add to that how many of these bleeding radio and tv adverts you see in regards to it too. There's one up here in Scotland and the guy looks as if he's ready to do damage to himself, in fairness to that company they claim to offer the lowest charges!!

MagP

Is that the one where he is superman? I too live here in sunny Scotland! Pity about tonights score, but no big surprise there. X

RuthnJasper

MattyA wrote:

Would that apply to each employee doing the selling or just that the company (M&S in this case)?

Reason for asking is I have a very very similar claim against them on behalf of MrsA which has been rejected twice and I have now sent to FOS - might just have another go at them with this tack whilst I await an adjudicator to be appointed.

Also I am disputing the validity of another agreement with them in my name(Card applied for in store after being approached by a memeber of staff) - this angle may be useful in this case.
'shop staff for example if not licenced are acting illegally and to that end as they did not have a licence to sell the product, the contract is not binding '

Matty

beamerguy wrote: »

Hiya, a member of staff of M&S were selling the product, they maybe employed by M&S but unless they hold a licence to operate credit transactions, they are not legal. M&S is a retailer of food and clothing and whilst they may hold a credit licence themselves, they are not a bank or financial institution therefore on what legal basis were the staff permitted to sell financial services to the public ?
In particular dodgy PPI's. In fact, they would have been selling for profit, ie, the commission and that should have been made clear at the point of sale.

This is old news but it worth reading it and what the judge decided on against MNBA
http://www.dailymail.co.uk/news/article-1217173/Judge-quashes-womans-8-000-credit-card-debt-landmark-ruling-mis-selling-payment-protection-insurance.html

Hi MattyA and Beamerguy,

I really appreciate your comments following my earlier post. What you have said sums-up very well the following point I made in my appeal letter - "In addition, the credit card and its benefits were being promoted in-store by a Marks and Spencer representative. Whether they were specifically representing home-ware items, groceries, money or lingerie is of little relevance – their primary duty that day was recommending M&S credit cards to customers, encouraging us to complete the application form, and were representing the Marks and Spencer company as a whole."

It matters not to me if the person with the clipboard was the CEO of M&S Money or the chap who cleans the loos in the store's local branch - if they were assigned the duty of promoting the credit card and encouraging shoppers to sign up for it (even if only for that one day), then it's my belief that they were representing M&S Money as well as the brand/company as a whole and should have been competent to advise and qualified accordingly.

Keep smiling... I daresay we'll get there in the end...

xx

RuthnJasper

Keewee wrote: »

Hi Beamerguy!

I gave them a call and managed to actually get through after 5 hours (not an exaggeration!)
they apparently couldnt locate my loan, but now have and will reply to me within 56 days ( 25th of November! )
This was a really old Loan, (1999 paid off in 2002) so I will be suprised if I get anywhere!
I have Natwest Cards (same years) Halifax, Sky Card, Capital One and Vanquis to go yet!!

Wish me luck :rotfl:

GOOD LUCK KeeWee! xxx