PPI Reclaiming Discussion part 4

helphelphelp

amersall wrote: »

Do not cancel either of the ppi,stick with the mis sell as if you win,you get all the ppi back that you have paid to date and not just a portion like they are offering you,plus the loan reset.
You want full redress and not just a pro rata refund.
Use the single premium reason for mis sell too.

Ok many thanks, Yes it is a joint policy even though they only felt the need to add my husband due to him being the highest earner. There is only 11 months left on the policy out of 5 years. Thanks again

amersall

helphelphelp wrote: »

Ok many thanks, Yes it is a joint policy even though they only felt the need to add my husband due to him being the highest earner. There is only 11 months left on the policy out of 5 years. Thanks again

You are welcome,go for full redress and tell them this is why you are rejecting the offer as this ppi was front loaded.
The whole ppi will be taken off both loans if you win,nice result?.
Good luck and keep us posted.

MrsShazbat

cappo wrote: »

that might be the case karen the fos are very bad with regard to cap one and reject lots of consumer complaints but it's deffo worth having a go, my second adjudicator was brilliant and cut to the chase immediately:):):):):):):):):):):):):):):):):):):):):):):):):):):):):):):):)

Do I just write back and say I disagree?

cappo

MrsShazbat wrote: »

Do I just write back and say I disagree?

Hi karen call them for quickness to get the ball rolling but don't get into having your words twisted up, If you don't feel comfortable with calling them on the phone just write in Stating your reasons for wanting to escalate to the Ombudsman and saying why that you don't agree with the Adjudicators decision.

icmelerlovers

amersall wrote: »

They do not ask for a form to be filled in,so that is ok.
They are asking you if you are complaining for mis sell with the reason above,the reason above is hard to prove as it your word against whoever sold you the insurance,if you only used that reason,then you need to look here for reasons for mis sell

http://www.moneysavingexpert.com/rec...nsurance#step2
If anymore apply to you then let them know.

They will still look at the complaint,and you may win redress,but to be on the safe side see if anymore reasons apply to you.
Why do you need the paperwork if your complaint is in and being looked at?,you need to give them more reasons for mis sell,but Halifax are auto upholding at the moment,so you may get lucky.

ive taken your advise amersall
i have managed to find my old job perks i had from an old director from the company were i worked .
we had sick pay scheme
private medical care
pension with life cover 3 x salary underwritten by legal and general .
along with by other reasons should this be good enough reason for mis sell, im not sure if i should ring them back up with further info or just wait to see what they say from my first phone call .

icmelerlovers

dilus wrote: »

Like I say don't worry about not mentioning it, my first complaint I overlooked a number of reasons and it was upheld without a fight. If it is turned down (it may not be) you have a strong second argument to go back to them with which normally gets the desired result

@dilus
i just found out that at the time of my loans , i had with my company
sickness cover
private health care
pension plan
life cover 3 x salary
so i have just rang nationwide with this as i didnt have information when i sent of questionaire,

monstermuncher

Is it worth claiming PPI for a Capital One Credit Card? They seem to reject people from what I've seen, and as it was a while ago I can't remember the details.

All I know is that it wasn't a suitable product for me, I was working part time supported by my husband (combination of depression problems and having to be around for our three dogs) so any loss of wages would have been picked up by him. I wouldn't have requested it (why would I opt to pay more for something I wouldn't need?) but I think I applied online.

I don't know if the box was pre ticked (no way of finding that out, is there?) or if I signed up when I activated the card, or what really. I can't imagine volunteering for it, but yet I also can't prove that I wouldn't have and didn't!

MrsShazbat

cappo wrote: »

Hi karen call them for quickness to get the ball rolling but don't get into having your words twisted up, If you don't feel comfortable with calling them on the phone just write in Stating your reasons for wanting to escalate to the Ombudsman and saying why that you don't agree with the Adjudicators decision.

Thing is I have nothing to disagree with - and I have nothing else to add. Am I allowed to just say 'because I know other people have been successful in their claims' or do I really have to substantiate my claim further?

cappo

MrsShazbat wrote: »

Thing is I have nothing to disagree with - and I have nothing else to add. Am I allowed to just say 'because I know other people have been successful in their claims' or do I really have to substantiate my claim further?

No karen just leave it as it is then I did, if you have nothing further to add the ombudsman will look at the decision again and go on your original points, try not to worry about it, Adjudicators seem to rule for cap 1 quite a lot but it doesn't mean the ombudsman Will.

sugarpuss27

Hi All
Posted first a couple of days ago, with regards to some Halifax loans, have started the ball rolling on these, made a call and the claim is in, wont hold my breath but hey ho. Have been going through some other bits and bobs and decided to have a look at reducing ppi on our joint Tesco loan. Found that we could get it much cheaper and so contacted Tesco re details of months left what would that leave as balance etc. Upshot is they were ringing me back as a gliche in system. In the meantime I have been reading through their ppi policy summary and document and found the cancellation section. It states that the insurer uses the Rule of 78 to calculate any refund. On looking up this rule on this website it states that was abolished for new loans in 2005, thing is we took the loan out in 2007, this sound to me like a mis-sell or am I missing something.
Any ideas?
Thanks