PPI Reclaiming Discussion part 4

paid_too_much

beamerguy wrote: »

WARNING

MBNA are sending letters out saying the cheque will be sent within 28 days

In reality, the cheque never arrives !!!!!

THE OLD EXCUSE ...

"THE CHEQUE'S IN THE POST"

DELAYING TACTICS

did you read my post earlier about this, followed your warnings;)

smithsc

Hi Guys,

This is all new to me, i've been getting phone calls and texts from CMC's to try and let them claim back my PPI. I have never even thought about my PPI as didn't think i had it until i decided to look at my statements today and it appears i have got it and had it since 2003 with my Barclaycard. Ive put a letter together along with the PPI questionnaire and sending it today i've never done this before can anyone think of anything i've missed

beamerguy

smithsc wrote: »

Hi Guys,

This is all new to me, i've been getting phone calls and texts from CMC's to try and let them claim back my PPI. I have never even thought about my PPI as didn't think i had it until i decided to look at my statements today and it appears i have got it and had it since 2003 with my Barclaycard. Ive put a letter together along with the PPI questionnaire and sending it today i've never done this before can anyone think of anything i've missed

HI, ASK YOURSELF ..... who is giving out your number to CMC's
Are they doing phone hacking now ????

DO NOT USE A CMC ... they will take at least 25% of the refund and they can only do what you can do, we will help so DIY and get all your money back

beamerguy

paid_too_much wrote: »

did you read my post earlier about this, followed your warnings;)

Yes, we ALL need to alert the FSA and FOS WHAT IS GOING ON.:eek:

Barclays
MBNA
Capital One
Lloyds
Halifax
RBS
NATWEST
HSBC

This is the way to lose potential customers you stupid bankers, just let word and mouth do the job for you

smithsc

beamerguy wrote: »

HI, ASK YOURSELF ..... who is giving out your number to CMC's
Are they doing phone hacking now ????

DO NOT USE A CMC ... they will take at least 25% of the refund and they can only do what you can do, we will help so DIY and get all your money back

beamerguy thanks for your reply so if i sent a letter stating i wasn't told the insurance was optional etc... and send the questionnaire that will be all i need to get the ball rolling???

beamerguy

Urgent message to the FSA and FOS

YOU ARE LETTING THE CONSUMER DOWN
YOU ARE LETTING YOURSELVES DOWN
YOU ARE LETTING BANKS WALK ALL OVER YOU
BANKS ARE USING EVERY TRICK NOT TO REPAY
BANKS ARE STILL LYING TO CONSUMERS

IN GENERAL:-
BANKS ARE HAVING A GOOD LAUGH AT THE FSA AND FOS

THE FSA LICENCE THESE BANKS BUT YOU SEEM TO HAVE LITTLE CONTROL

beamerguy

smithsc wrote: »

beamerguy thanks for your reply so if i sent a letter stating i wasn't told the insurance was optional etc... and send the questionnaire that will be all i need to get the ball rolling???

Hi, yes, that's all you need. Any problems, let us know here

smithsc

beamerguy wrote: »

Hi, yes, that's all you need. Any problems, let us know here

excellent i will get it posted off tomorrow morning special delivery

beamerguy

smithsc wrote: »

excellent i will get it posted off tomorrow morning special delivery

AND..... the next time you get a call from a CMC, be sure to ask them who gave them your number ?

I am certain that there are staff in banks who are aware of your situation who give your number in return for commission.

Totally against the Data protection act but there you go, bank staff cannot be trusted, they have too much information at their finger tips

katiebbb

Still waiting on the Halifax since my late August upheld letter and still phoning now and then to see if they ever say anything different and, guess what...... today they did!!!!!

The guy I spoke to said that all complaints like mine (asked him what this meant and he said who had been waiting since May) WILL be concluded by 15th December.....

That means calculations and cheque will be with me by then AT THE LATEST......!! Quite excited!! I asked him to put that date in writing and he said he couldn't - surprise, surprise but he noted on my notes (which probably extend to something the size of a large encylopedia) that he had informed me that is what I should expect. I said I would be going to FOS if they fail this time - their incompetence is unbelievable.

I am expecting my first Friday update from Helen this week so I will see if her story is the same.

Interestingly they have a new recorded message when you phone now - something along the lines of "We will deal with your complaint within 12 weeks but it may take a further 30 days for a cheque to be issued, if appropriate". I did quote that when I got through but fell on deaf ears. Its been over 6 months for me now ... on the plus side they gonna have to pay me more money because they messed up on their svr cap - got a letter yesterday
!

Happy days in December I feel :T:j:T