PPI Reclaiming Discussion part 4

cappo

gratefull wrote: »

I will be sending the forms off to barclycard. I have one of their cards since 2000 and it has a monthly charge of ppi. I have no need for ppi because i'm fully covered through work NHS and have other insurances in place. I would be grateful for any help with the wording of my claim,
knowing that this will be a tough battle THANK'S:beer:

you should be alright if you worked for the nhs you would'nt have needed it have a look at these various links



http://www.legalbeagles.info/forums/showthread.php?t=10646

http://www.legalbeagles.info/forums/showthread.php?t=10645

http://www.moneysavingexpert.com/reclaim/fight-back-fos#wrong

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

funlovingprincess

amersall wrote: »

Here you are.



You should write to us at:

HFC Bank Limited,
PO Box 5207,
Coventry,
CV3 9FB
In your letter, please provide full details of why you believe you were mis-sold PPI. You may find it helpful to complete and send us the questionnaire available on the Financial Ombudsman Service website.
Sending us this form will ensure we have the information we need to process your complaint efficiently and as quickly as possible.

THANKS VERY MUCH AMERSALL!
Wish me luck MSE'ers!

The_Marksman

funlovingprincess wrote: »

THANKS VERY MUCH AMERSALL!
Wish me luck MSE'ers!

good luck :rotfl::rotfl:;)

villan501

Cappo

Good morning mate thanks for the reply. I took the loan out in feb 04 and I started my tesco loan in april 05. I have a claim for a loan on going where I borrowed £8000 over 24 months total payback £10450 the monthly payments for this loan were £436 pm the ppi was £1500 and I ran the full term. Along with the paperwork I got a break down sheet showing what id owe if I settled early, get ready for the disgusting figures

if I settled a 1/4 of the term I would have had to pay back £7814 settlement it is disgusting that 1/2 threw it was over 5k. I would have paid in 6 months so refering to the 1/4 settle £2400 so how the hell can halifax give me a settle of £186 less than what I borrowed.

LindaF_2

I have a DMP. I have a basic bank account with Halifax which pays business and personal expenses. I have a Credit card with Halifax but I have not made a claim for mis-sold ppi yet as I am concerned that they might close the bank account as a result. Can someone advise me whether they would be likely to do that if I were to pursue a claim.

I have a cheque account with Barclays which I have had for many years. Because of the DMP I use this rarely as I do not want them taking money that might be credited to my account to clear the balance on the credit cards (which they have done in the past).

I have four PPI claims in with Barclays - I am wondering whether they would say I should close the current account in due course because I have made a claim and if I were also to pursue a claim with Halifax this could leave me without a bank account.

Some advice would be appreciated please

Incidentally, I have had a letter from Barclays this morning saying that they cannot trace some of my accounts and asking for confirmation of account numbers, then why am I paying as part of my DMP, and surely they must be able to trace previous loan accounts?

LindaF

cappo

funlovingprincess wrote: »

THANKS VERY MUCH AMERSALL!
Wish me luck MSE'ers!

we all wish you all the luck in the world, go get em princess:):):):):):)

cappo

villan501 wrote: »

Cappo

Good morning mate thanks for the reply. I took the loan out in feb 04 and I started my tesco loan in april 05. I have a claim for a loan on going where I borrowed £8000 over 24 months total payback £10450 the monthly payments for this loan were £436 pm the ppi was £1500 and I ran the full term. Along with the paperwork I got a break down sheet showing what id owe if I settled early, get ready for the disgusting figures

if I settled a 1/4 of the term I would have had to pay back £7814 settlement it is disgusting that 1/2 threw it was over 5k. I would have paid in 6 months so refering to the 1/4 settle £2400 so how the hell can halifax give me a settle of £186 less than what I borrowed.

there nightmare figures mate, lets hope mark you can get some back, good luck buddy.

cappo

LindaF wrote: »

I have a DMP. I have a basic bank account with Halifax which pays business and personal expenses. I have a Credit card with Halifax but I have not made a claim for mis-sold ppi yet as I am concerned that they might close the bank account as a result. Can someone advise me whether they would be likely to do that if I were to pursue a claim.

I have a cheque account with Barclays which I have had for many years. Because of the DMP I use this rarely as I do not want them taking money that might be credited to my account to clear the balance on the credit cards (which they have done in the past).

I have four PPI claims in with Barclays - I am wondering whether they would say I should close the current account in due course because I have made a claim and if I were also to pursue a claim with Halifax this could leave me without a bank account.

Some advice would be appreciated please

Incidentally, I have had a letter from Barclays this morning saying that they cannot trace some of my accounts and asking for confirmation of account numbers, then why am I paying as part of my DMP, and surely they must be able to trace previous loan accounts?

LindaF

Yes linda they can trace your accounts, there just being awkward, as to them closing your bank account they are not allowed by law to do this although that would'nt stop them, as a rule if they try anything along those lines threaten to call the fsa you'd be surprised at how quick they can change there minds, don't worry too much, barclays closed my barclaycard account down but i had'nt used it in 5 years so fair do's i suppose.

cappo

cappo wrote: »

Yes linda they can trace your accounts, there just being awkward, as to them closing your bank account they are not allowed by law to do this although that would'nt stop them, as a rule if they try anything along those lines threaten to call the fsa you'd be surprised at how quick they can change there minds, don't worry too much, barclays closed my barclaycard account down but i had'nt used it in 5 years so fair do's i suppose.

Hi marksman i see you ticking the old thanks boxes there hope you all right me old mate.:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D

Placida

Hi, I've registered my complaint with BOS about a 5 year personal loan I took out with them in 2002. I have all the original paperwork even the customer guide to completing the agreement( the courier will wait for 15 minutes, giving you plenty of time to follow the simple instructions below!!!)

The girl could not find me on their system as I do not bank with them but took all my details and registered my complaint and the reasons I believed I had been sold ppi.

She said I would get the usual letter but there was no need to fill in FOS questionnaire as they had details and they would phone if they needed to ask anything.

Is this the normal practice for BOS? I am just a little worried as my claim is dependent on what she put on the system and as one of my reasons is the fact that the credit agreement is misleading-only one monthly payment given and the part where they should have put ppi monthly amount blank, my case might not be as strong as if I sent copies and my several reasons stated in black and white.

I don't want to have to wait the 12 weeks only to find I have to start all over again
Has anyone else had the same experience with BOS?

Thanks