PPI Reclaiming Discussion part 4

[Deleted User]

dilus wrote: »

If they do turn you down, go back to them with the front loaded reason, this should seal the deal if they choose to ignore it the first time around

Ah, I thought once they had made their "full and final" response they would only entertain an Ombudsman's judgement.
Thanks again.

dilus

Moneyineptitude wrote: »

Ah, I thought once they had made their "full and final" response they would only entertain an Ombudsman's judgement.
Thanks again.

I wouldn't expect their first response to be a full and final, if it is FOS it with the front loaded added to the questionnaire

cappo

Moneyineptitude wrote: »

I'm quoting my own post here because no one has commented whether I have (or have not) shot myself in the foot here. If the bank were to not uphold my complaint, would the Ombudsman look at things like the PPI being "front-loaded" even though I didn't specifically complain about this?
I have to say I agree with everyone here who advises against using a Claim Company (because they are so expensive), but there still seem to be quite a few pitfalls to guard against when filling in the Ombudsman's questionnaire:eek:.

Hi sorry we've only just got back to you, even though you might not have mentioned every reason of complaint the banks and the fos should now assess all claims under the new updated fsa rules and yes the fos would look at this as long as you complained within 6 months of a decision. as to the questionairre just follow the questions and answer the best you can.

[Deleted User]

cappo wrote: »

Hi sorry we've only just got back to you, even though you might not have mentioned every reason of complaint the banks and the fos should now assess all claims under the new updated fsa rules and yes the fos would look at this as long as you complained within 6 months of a decision. as to the questionairre just follow the questions and answer the best you can.

Thanks again for setting my mind at ease. The second set of PPI questionnaires are now in the post. I'll keep everyone updated as to progress...

incesticde

Apologies if this question has been asked but I can't see it anywhere in this thread..

The 8% simple interest that is paid.. is it 8% per year or a flat 8%?

cclissold

Hey Guys and Girls

Just popped in after a few months away to see how everyone is. Glad to see the battle is still being fought. Anyone got any news as to whether Lloyds are still taking ages to pay out. My sister is still waiting 10 weeks after her offer letter so i am now on a mission to get her money back. My family are still enjoying our money that we got back from halifax last november. had a fab xmas!! Good luck to everyone still persuing their claims. Hang on in there.

C.x

cclissold

By the way is Antonio's email address still the same or has he changed it.

C.x

cappo

cclissold wrote: »

By the way is Antonio's email address still the same or has he changed it.

C.x

Hi glad you keeping ok, Yes as far as i know although I stopped using it a while ago osorio's email addy is still the same, Good luck with your families reclaiming.

cclissold

cappo wrote: »

Hi glad you keeping ok, Yes as far as i know although I stopped using it a while ago osorio's email addy is still the same, Good luck with your families reclaiming.

Thanks Matey. Is Di still on here and okay. I have been trawling through pages and pages and cant see her on here for ages. Mind you at this time of day my eyes are shot and I have left my glasses at work!!!!!!!!!!!!!! Stupido me.

C.x

beamerguy

Moneyineptitude wrote: »

Ah, I thought once they had made their "full and final" response they would only entertain an Ombudsman's judgement.
Thanks again.

Hi this "full and final response" is utter rubbish and to be ignored.
IT'S ONLY FINAL WHEN YOU GET A FULL REFUND

It is amazing that with all the bad publicity about these loss making banks that they still think they have special words which are designed to put you off.

TAKE NO NOTICE, GO FOR THE KILL

All the banks committed fraud against consumers, including you so how do you feel about being defrauded and money stolen from you ?