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PPI Reclaiming Discussion part 4
Comments
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Judging from this forum alone I don't believe that figure.0 -
anaylorefc wrote: »Judging from this forum alone I don't believe that figure.
I know what your saying, maybe they are saying what the banks want them to say, i'm personally waiting on barclays to come back to me with calculations, LTSB with a payment and HSBC with a new offer so yes on the level we must all be in the last 3% lol.0 -
Hi just thought id let you know that Tesco paid me £3286 for aloan that all the info I had was the payments experian told me, No account number, No copy agrrement, I sent letter 5th september and cheque was cashed by 27th October.
Anyone got the email addres for Halifax regarding PPI0 -
Hi just thought id let you know that Tesco paid me £3286 for aloan that all the info I had was the payments experian told me, No account number, No copy agrrement, I sent letter 5th september and cheque was cashed by 27th October.
Anyone got the email addres for Halifax regarding PPI
well done villan:j:j:j:j:money::money::money::D:D:D:cool::cool::cool::cool::T:T:T:beer::beer::beer::):)0 -
Cappo
That was the loan I was very worried about experian showed I paid £303 over 72 months but I settled after 2 1/2 - 3 years I had no figures to check the calculations so I was ready to snap there hand off. Halifax are a different monster they told me when I went for my loans that at the time cos I lived with my parents if I was to die my parents would be left to discharge the loan, Im a civil servant and didnt need it but they played on the hearstrings and told me a pack of lies0 -
Hi mate, trouble is that article is dated 1 September 2011, so with what's going on at the moment, makes it look like another bunch of lies
FSA -- DREAM ON0 -
Hi mate, trouble is that article is dated 1 September 2011, so with what's going on at the moment, makes it look like another bunch of lies
FSA -- DREAM ON
Hi beamerguy,
Sent your excellent letter to my local MP and the FSA and got this reply back today from the FSA, nothing from my MP though
Our Ref: **********************
Dear Mr *********
Thank you for your email sent on 22 October 2011. I understand that you would like to make the Financial Services Authority (FSA) aware of your concerns with the way banks are dealing with PPI claims. You would like to know what action the FSA will be taking.
I would like to thank you for taking the time to contact us about this issue and I appreciate the concern this is causing. I thought it would be of use if I clarify the role of the FSA and comment on how we have used the information you have supplied.
I would like to clarify that we are the UK's financial regulator set up by the government to regulate financial services and protect your rights. This means we set standards that financial services firms have to meet and we take action if they don't. We regulate most types of financial services firms, such as banks, building societies, credit unions, insurance companies, financial advisers, stockbrokers, and mortgage and insurance sellers. For further information on our role please read the attached link to the consumer pages of our website: https://www.fsa.gov.uk/pages/consumerinformation/index.shtml
Turning to how we have used your information please be assured that all of the information which you have provided to us will be considered in light of our responsibilities. Your email has provided a clear and thorough description of your individual concerns; and indicated how you believe that this dispute raises wider concerns about the firm's ability to meet our standards. We are grateful for the time you have taken to prepare and send us this information, and these details have been passed to the appropriate supervisory area of the FSA for careful consideration.
I note that your most recent emails have asked the FSA to provide you with information about any discussions or investigations we have undertaken. In view of this, I believe that it is important to state that the FSA's policy is not to provide such information under most circumstances. The details of any discussions and investigations remain confidential unless the FSA has undertaken public enforcement action against an individual firm. Authorised financial firms provide information and co-operate with the FSA with the understanding that details are not disclosed to third parties. The Financial Services and Markets Act 2000 (the Act of Parliament which provides the FSA with its authority) prohibits such disclosure. I understand that this policy can be frustrating, but it protects the integrity of our internal processes and the impartial role of the authority.
FSMA allows us to take action such as:
* withdrawing a firm's authorisation;
* disciplining authorised firms and people approved by the FSA to work in those firms;
* imposing penalties for market abuse;
* applying to the Court for injunction and restitution orders; and
* prosecuting various offences.
FSMA also gives us powers to take action under the insider dealing provisions of the Criminal Justice Act 1993 and the Money Laundering Regulations 2007. FSMA gives us the tools we need to do the job of enforcement - including the power to interview people and require them to hand over documents. It also sets out the circumstances when we are allowed to use those powers.
For further information about our enforcement work, and details of enforcement press releases, you may wish to visit our website:
https://www.fsa.gov.uk/Pages/Doing/Regulated/Law/index.shtml
If you have any future questions on financial services and products, you may find it easier to call our Consumer Helpline on 0845 606 1234 (call rates may vary). You can also access relevant information online at https://www.fsa.gov.uk/pages/consumerinformation and via the Money Advice Service website: https://www.moneyadviceservice.org.uk/.
I trust this is of assistance and that you are aware how we have used the information you have supplied.
Yours sincerely
Here's hoping they act on itSuccesses
Sainsbury's/BOS £6,400 Paid
MBNA £3,600 Paid0 -
Thanks Beamerguy and Cappo! I dont want to give them the chance to play cat and mouse more thant they have to. I would rather have the full facts before sending my complaint.
Is there a template letter for the SAR, or should i just write to the same department requesting this? It is under the Data Proctection Act or Freedom of information?
Thanks again!0 -
Thanks Beamerguy and Cappo! I dont want to give them the chance to play cat and mouse more thant they have to. I would rather have the full facts before sending my complaint.
Is there a template letter for the SAR, or should i just write to the same department requesting this? It is under the Data Proctection Act or Freedom of information?
Thanks again!
Hi jury it's the data protection act 1998 or dpa 1998, sar link enc, good luck, steve
https://forums.moneysavingexpert.com/discussion/14755530 -
thanks Cappo!
I will get that in the post to them tomorrow and wait my 40 days. Then battle will commence.
:beer:0
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