PPI Reclaiming Discussion part 4

di3004

cappo wrote: »

this is not on faith call the ministry of justice who regulate these claim companies some of them are good but the vast majority are just out to rip off the public and make a quick buck, DIY is always best and incidently much quicker.

I second this Cappo/Steve.:T

di3004

cclissold wrote: »

Just wanted to say thanks to Di, Cappo and Beamerguy who have given me the strength to keep going at this. You are all fantastic. I am sure I have missed people off the list for thank yous but even if you are not mentioned I do appreciate all the help and advice and even the straight talking at times. I am so relieved this is all nearly over. will let you know when we get the cheque.

Thanks again.

C.x

You are very welcome x:A

di3004

sorryitsme wrote: »

I had my CC complaint by MBNA refused back in the beggining of September which was their final response.

Di3004 helpped me construct an email which was sent to MBNA, who in turn replied back they were re-investigating.

Two weeks ago I called for an update and was told it has gone to the calculations department.......but today I have been sent a letter not upholding my complaint.:mad:

I called them and they said it is the final response and I can take it to the FOS.

Upon reading the letter again it says is they could reopen it if I can prove pre-existing medical history (which my doctor will write) and self employment.

I am a bit stumped proving the self employment in our family business, how do I prove that? The business was sold in 2004 so really do not know where I should start getting the relevant evidence.

They also enclosed a copy of my agreement which shows the PPI box ticked.

I have a feeling the person who told me they were calculating was just a general customer service assistant and not someone from the PPI department.

Any advice will be appreciated.:A

How misleading for you!!!

Could you have a word with your GP practice, and ask if they have any details from that year.
I assume your GP would hold all information no matter how old.

However, they may make a charge, but otherwise make an appointment with maybe the sister of the surgery, and discuss matters with her. Maybe they will supply some details, or if it came to it, there is a charge. Check your GP website for charges on med records.

In regards of self employment, it maybe worth writing or contacting the Inland Revenue/HMRC, my brother in law contacted them and they gave him details as from about 2001 or maybe 2002.

You will get there, but they are playing hard in my opinion and I'm sure you should be able to get some details of the above.;) xx

di3004

zoe1234 wrote: »

Hi,

Just reading on here as I too have a loan with Barclays where the agreement shows I have ticked the box however I am sure a person I dealt with said i had to have it otherwise couldnt have loan. Not sure how I will be able to prove but its worth a go. I will try and word the letter in detail highlighting the ticked box so hopefully i wont get a letter from them stating that as will be an even long delay

z

Hi Zoe

Give them as many details as possible in relation of the mis selling of the policy.
Tell them you were pressurised into taking out the ppi by the staff, and as a valued customer you believe you have grounds to complain on this, and tell them it was not sold in your best interest, and whatever else that applies.

Good luck.

di3004

MykMallett wrote: »

Is it possible to make a complaint to the FOS about how long its taking to pay out from Lloyds, or just to escalate a complaint so it's not just fobbed off? It's been 4 months since I accepted their offer and I still havent had the money. They've actually stopped responding to my emails, even ones directly to the CEO

Hi, the only thing here is if you complain to the FOS now, Lloyds may close your case, so as frustrating as it is, sit it out, as you've done so far, but contacting your local MP may help, who will write on your behalf, they will want your vote in time to come, so I'm sure they will be willing to help you.

Good luck.

beamerguy

MykMallett wrote: »

Is it possible to make a complaint to the FOS about how long its taking to pay out from Lloyds, or just to escalate a complaint so it's not just fobbed off? It's been 4 months since I accepted their offer and I still havent had the money. They've actually stopped responding to my emails, even ones directly to the CEO

LLOYDS BANK YET AGAIN ????

THIS BANK HAS RUN OUT OF MONEY FOLKS

MykMallett .... PUT THE PRESSURE ON THEM. The CEO by the way is on sick leave because he is stressed out ... OH DEAR, WHAT A SHAME !

DO LLOYDS GIVE A MONKEYS ABOUT THE STRESS THEY CAUSED COUNTLESS 1000'S OF PEOPLE

ADD INTEREST TO YOUR CLAIM UNTIL THEY PAY YOU

Placida

Helping my son with reclaiming ppi on an Endeavour Personal Finance secured loan he took out in 2007
The term of the loan was 25 years but he settled early in 2010. He is sure he had ppi on this but when he moved house he threw paper work away.
Can anyone please tell me where he should send a SAR to find out details of loan?

Thanks

di3004

Placida wrote: »

Helping my son with reclaiming ppi on an Endeavour Personal Finance secured loan he took out in 2007
The term of the loan was 25 years but he settled early in 2010. He is sure he had ppi on this but when he moved house he threw paper work away.
Can anyone please tell me where he should send a SAR to find out details of loan?

Thanks

Hi
Was the loan actually set up and sold by Endeavour, or was there a broker involved as well.

For example, one of mine the lender was Endeavour, but Click Finance was the ones who set up and sold the loan.

So basically, whoever sold it are the ones to pursue.

Your son could save money on a SAR if he knows the account number (this should be found on banking statements where the loan repayments were debits.
If there are no statements to hand and he still banks with the same bank where the payments came out of, - and banks online, this may allow him to go back some years.

So basically, if your son knows for definate he was paying and mis sold PPI, he can still continue to make a reclaim without the need of the paperwork, although its useful to have on standby for calculations, yet they should send these if he is successful, but its up to you/your son of course if you want to go the SAR direction first.

Endeavour are run by HFC now and taken on EPF's liabilities, so you write to HFC on the address below, and I assume it will be the same address for the SAR.

HFC Bank Limited,
PO Box 5207,
Coventry,
CV3 9FB

http://www.hfcbank.co.uk/html/payment_insurance.html

To reclaim, send them the reclaim questionnaire shown on step 3 below, remember to save copies as well.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

If you decide on a SAR, there is a letter template below, you enclose the one off payment of £10 cheque or postal order, and they have 40 calendar days to comply.

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

Good luck.

I would also post by signed for/recorded delivery.

Placida

di3004 wrote: »

Hi
Was the loan actually set up and sold by Endeavour, or was there a broker involved as well.

For example, one of mine the lender was Endeavour, but Click Finance was the ones who set up and sold the loan.

So basically, whoever sold it are the ones to pursue.

Your son could save money on a SAR if he knows the account number (this should be found on banking statements where the loan repayments were debits.
If there are no statements to hand and he still banks with the same bank where the payments came out of, - and banks online, this may allow him to go back some years.

So basically, if your son knows for definate he was paying and mis sold PPI, he can still continue to make a reclaim without the need of the paperwork, although its useful to have on standby for calculations, yet they should send these if he is successful, but its up to you/your son of course if you want to go the SAR direction first.

Endeavour are run by HFC now and taken on EPF's liabilities, so you write to HFC on the address below, and I assume it will be the same address for the SAR.

HFC Bank Limited,
PO Box 5207,
Coventry,
CV3 9FB

http://www.hfcbank.co.uk/html/payment_insurance.html

To reclaim, send them the reclaim questionnaire shown on step 3 below, remember to save copies as well.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

If you decide on a SAR, there is a letter template below, you enclose the one off payment of £10 cheque or postal order, and they have 40 calendar days to comply.

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

Good luck.

I would also post by signed for/recorded delivery.

Wow! Thank you so much for that information! He said it was with Endeavour and is a joint loan with his OH.
I'll get him to check his statements tomorr
ow and go from there.

I've offered to do all groundwork for him as I have just been sucessful reclaimiming ppi from Barclays with help of this forum:T
Thanks again

cappo

Hi all, has anyone had any money in the way of refunds from the crooked banks this morning, the crooks have still got our money and for all the bank employees and managers sneaking in to have a snout around on here we are not going to let up on you until you pay us all what you owe us, take that back to your ceo's