PPI Reclaiming Discussion part 4

ANGIE54

took out ppi on my credit card with hsbc along time ago can not remember when. i asked them to cancel the ppi on this card was not going for miselling as i cant remember when i took it out in fact it was still the midland bank then thats how long i have had it .the account is in good order never been in arrears since i have asked for my ppi to be cancelled they have stopped the card have phoned them and been told they can not tell me if they will reactivate the account so do you think they are telling me no ppi no card if so should i claim '

maxdp

Hi Amersall

Are you able to help skintmumofone. Hope you ok. Have cleared tar off now and feel a lot better. From what I understand tar is good at preventing colds so I should be fine for this year.:)

maxdp

ANGIE54 wrote: »

took out ppi on my credit card with hsbc along time ago can not remember when. i asked them to cancel the ppi on this card was not going for miselling as i cant remember when i took it out in fact it was still the midland bank then thats how long i have had it .the account is in good order never been in arrears since i have asked for my ppi to be cancelled they have stopped the card have phoned them and been told they can not tell me if they will reactivate the account so do you think they are telling me no ppi no card if so should i claim '

That is apalling behaviour. Write and ask what they are playing at. Probably PPI was added at point of filling out agreement. I would take it further send the SAR and 10.00 be recorded delivery so you can see a copy of the original agreement then we can go from there.:D

di3004

skintmumofone wrote: »

Oh the joys....
got a letter from FP today saying they are not taking the blame basically for giving me a loan they say loans.co are responsible and they have passed my letter to them a) I took the first loan with them loans.co but the 2nd was done with FP only so I think they need to get their facts right dont you?

Am so mad.,.....any suggestions?

Also with WF posted on other forum but to cut a long story short they have sent me a letter charging me £20 for not paying a dd that is due today and I have actually paid it in cash? Can anyone help me with a letter to them cos I will lose my head if I telephone them, got a receipt for the payment and also got a balance statement saying we owed £18,998 and odd pence they have charged me over £1000 in charges and letter fees and telephone calls all 11 of them last week and this week harrassement that is!

Honestly I am about to crack up have enough on my plate without this crap.....:rolleyes: :mad:

Very unhappy today xx

Hi hun

Me too sorry to hear your not have a very happy day of it today.

I had 2 loans with the same lender, the first one was dealt with by the broker and the 2nd loan was an advance, so you could actually have 2 separate complaints here, write to the first one and the lender on the 2nd one.

I was told that from the FOS when they were dealing with my Nemo complaint over a year ago.

So write back until its the final response, make them aware of what loan your on about, tell them if they do not resolve this you will have to take this matter further.

And in regards of them charging you that amount is pathetic of them, I would also complain on that and tell them you feel your not treated fairly here and you want this sorted out and put right, if not then further action will be taken with either the financial ombudsman or you will seek legal advice, this may make them think, but you could always contact the FOS anyway and see what they say on this matter.

Hopefully others will also post up with some suggestions here for you hun, but I wish you luck and hope it resolves very soon.;)

Di
X

amersall

di3004 wrote: »

Hi hun

Me too sorry to hear your not have a very happy day of it today.

I had 2 loans with the same lender, the first one was dealt with by the broker and the 2nd loan was an advance, so you could actually have 2 separate complaints here, write to the first one and the lender on the 2nd one.

I was told that from the FOS when they were dealing with my Nemo complaint over a year ago.

So write back until its the final response, make them aware of what loan your on about, tell them if they do not resolve this you will have to take this matter further.

And in regards of them charging you that amount is pathetic of them, I would also complain on that and tell them you feel your not treated fairly here and you want this sorted out and put right, if not then further action will be taken with either the financial ombudsman or you will seek legal advice, this may make them think, but you could always contact the FOS anyway and see what they say on this matter.

Hopefully others will also post up with some suggestions here for you hun, but I wish you luck and hope it resolves very soon.;)

Di
X

hi di hows it going? i fully agree with the reply you gave to skintmumofone. (i cant type very fast and you are always there with a response lol):A but i would have given the same advice or near enough:D:D

amersall

maxdp wrote: »

Hi Amersall

Are you able to help skintmumofone. Hope you ok. Have cleared tar off now and feel a lot better. From what I understand tar is good at preventing colds so I should be fine for this year.:)

hi max, so you wont need your flu jab then lol:p i have replied to di :A as i would have said to skintmumofone what di said to her, these companys make me sick they think they can ride slipshod over people , but they must be getting the message by now? some are good with the refunds and some just not, its up to us claimers to keep on fighting and dont back down. show them we mean business:mad::mad:

amersall

hi there.skintmumofone i agree with what di:A, says please keep us posted and we are all rooting for you. dont let this get you down, you will do this and we will help you every step of the way, at least we know we are not alone! we will get there in the end .just pretend you are after a bully and you wont stop till you deal with them:D first plus must deal with the loan you got from them, they cannot pass you over to anyone but fp please do as di :Asays and you wont go far wrong, fp:mad::mad::mad::mad::mad::mad::mad::mad: thats a swear word to me, onwards and upwards. dont hesitate to post again

di3004

amersall wrote: »

hi di hows it going? i fully agree with the reply you gave to skintmumofone. (i cant type very fast and you are always there with a response lol):A but i would have given the same advice or near enough:D:D

Hiya amersall, awe bless you, you are remarkable hun, and Maxdp, in-fact I'm so glad your here to help out, sometimes I get stumped and you 2 still have good advice to give, so well done.:T :T

Yeah not too bad, had bloods done today (fastings both arms as well) lol, they were a little heavy earlier but getting there now, think this typing is good exercise.
Hey when I first started typing, it would take me forever, so amersall your doing wonders.:T :A XX

amersall

di3004 wrote: »

Hiya amersall, awe bless you, you are remarkable hun, and Maxdp, in-fact I'm so glad your here to help out, sometimes I get stumped and you 2 still have good advice to give, so well done.:T :T

Yeah not too bad, had bloods done today (fastings both arms as well) lol, they were a little heavy earlier but getting there now, think this typing is good exercise.
Hey when I first started typing, it would take me forever, so amersall your doing wonders.:T :A XX

awe bless:A your just too kind:D:D

Toffee_Penny

You lot still here? I'd thought you would all be millionaires now with yer ppi claims

Bit of a tricky one but hope someone can advise

I thought everything was going well so far, have a few claims with FOS and waiting patiently for their response however at the start of February Monument wrote and offered just over £1k for ppi charges and all they wanted was a letter of acceptance.

Of course I swiftly wrote back but in the past few weeks OH been contacted by Lowell, a DCA saying they now own the debt. I wrote to both Lowell and Monument for a CCA request just to see who owned the debt as there was no sign of the ppi refund on the account.

Monument wrote back today with a rapid reply card (their answer to a CCA request :rolleyes: ) and printed terms and conditions that could be anyone's and at the bottom of the letter informing OH that debt has been passed to Lowell's and contact them in the future.

No sign or word of the refund for ppi, so what is my next step? Lowells haven't responded to my CCA request yet and they wouldn't have a clue about the ppi would they?

many thanks