PPI Reclaiming Discussion part 4

di3004

Toffee_Penny wrote: »

Yeah I'm fine now Di thanks, just had to have a break from here for a few nights.

Debt busting and ppi fighting takes it toll especially on the life off screen. As much I as I enjoy chatting to people on here, time just seems to disappear when you on the net doesn't it? OH just doesn't get computers so feel it has been all me since December the start of our ppi fight and it takes its toll; the knockbacks, researching the net for creditors responses for ppi etc

It is very frustrating when you don't read the words you want in creditors letters but I feel lucky with what I have achieved so far with just a few letters. You get really impatient though at times don't you? not good for your health at all getting stressed all the time, eating, sleeping ppi reclaims.

Glad your okay hun.
And yes you are so right, there are times you have to say "its me time" because it can affect us all in one way or another otherwise.

I am the impatient type, but then if we're being messed about what do they expect, we have to really battle our complaints and if they resolve these first time or from the start, then it would not have gone this far, but yes I totally agree with you hun.;)

hlmpsr1

di3004 wrote: »

Your doing good Helen, if you get any knock-backs let us know and we will help more, we look forward to hearing from you, hopefully with good news.;)

Di
X

Thanks Di

Its much appreciated.


Helen

di3004

hlmpsr1 wrote: »

Thanks Di

Its much appreciated.


Helen

With pleasure, and everyone here are a great bunch, we will pull together to help out as much as we possibly can.:A .

Di
X

hlmpsr1

di3004 wrote: »

With pleasure, and everyone here are a great bunch, we will pull together to help out as much as we possibly can.:A .

Di
X

I think it's wonderful - never been on this website or a forum, just come accross it by accident really. I'll definately keep you updated!

Helen

di3004

hlmpsr1 wrote: »

I think it's wonderful - never been on this website or a forum, just come accross it by accident really. I'll definately keep you updated!

Helen

Glad your here hun and we are happy to help, so that is good.:A

Di
X

emmylou41

Hi,

I wonder if you could advise me please? we took out a £6,000 loan with the Post Office five years ago. It's paid off now. But as a regular fan of Martin's website I couldn't remember if we had paid PPI on the loan or not.

I contacted, by post, Bank of Ireland asking for the details of the loan agreement to be sent on.

I received it earlier this week. We had paid PPI on the loan totalling about £800. But my signature is at the end of the document. Therefore is it a good idea I continue? On a secondary note, in the same envelope with my details enclosed I've been sent the hire purchase details belonging to another person ! Help, how do I tackle this. I have this poor man's name and address, his new car details and how much he's paying somebody called Niib Finance. Feel strongly I should just drop the paperwork into an envelope and send it to him which I think I will. However, clearly a big error has been made here don't you think?

di3004

emmylou41 wrote: »

Hi,

I wonder if you could advise me please? we took out a £6,000 loan with the Post Office five years ago. It's paid off now. But as a regular fan of Martin's website I couldn't remember if we had paid PPI on the loan or not.

I contacted, by post, Bank of Ireland asking for the details of the loan agreement to be sent on.

I received it earlier this week. We had paid PPI on the loan totalling about £800. But my signature is at the end of the document. Therefore is it a good idea I continue? On a secondary note, in the same envelope with my details enclosed I've been sent the hire purchase details belonging to another person ! Help, how do I tackle this. I have this poor man's name and address, his new car details and how much he's paying somebody called Niib Finance. Feel strongly I should just drop the paperwork into an envelope and send it to him which I think I will. However, clearly a big error has been made here don't you think?

Blimey how incompetent are this company ?:eek:

I would send back that letter as soon as you can and hope this helps your case lol.
Its not your fault hun, or you could send directly to this person but on the other hand the company need to know how silly they have been here by not being careful with what they were doing.

Right going back to you hun, even if you signed the agreement, you can still have a case, for example on mine I signed because it was never explained to me and I assumed it was all part of the finance etc, and I believe this has been the case for many.

So check this link out here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

There is more info and template letters, add your own reasons, they have 8 weeks to respond and keep on at them until you exhaust their complaint procedures, they should let you know in the final letter, if your not satisfied, on how you can take this matter further, normally with the financial ombudsman service (FOS).

Post all letters by recorded delivery and please let us know how you get on, also post that letter of the other persons by recorded delivery to ensure it gets to them safe.;)

Di
X

emmylou41

Many thanks Di. I'll do just that and certainly let you know.

Very best wishes . . . x

skintmumofone

First of all I would like to thank you all each one of you for all your advice. I am so glad I am not the only one having major probs with FP and WF.

Okay after reading all your comments, I firstly wrote back to First Plus advising them that I took the first loan with Loans.co and the advance was thru themselves and also if they didnt investigate this I would be writing a further letter to the FSO. FIngers crossed it works?

Secondly I have just written a 2 page letter to WF and complained about the phone calls and given them specific dates and times also said I had paid this by cash on the due date therefore I do NOT owe them any £20 etc etc and as for the balance I will be asking the FSO to investigate this as I had already spoken to them about my financial situation and change of bank account and that the BOS had arsed up and the Abbey hadnt the new dd details at the time its not my fault they didnt take 2 payments out my account for 2 months is it? Oh I went ballistic lets just say there was steam coming off my keys on the keyboard lol:rotfl: :rotfl:

No son 2m he is staying at his aunties but peace will be truly shattered on Friday when my 2yr old niece comes back with my son hehe fun and games isnt the word!

Mind you my sis in law is having a bit of trouble with her ex it seems that she loaned him £19000 to put a deposit down on her house he bought for her and wee one and this was last June and she was promised it back but he says now he doesnt have it and there is nothing she can do.....I did tell hre to get something in writing but she trusted him 100% christ he done the dirty on her once and seems hes doing it again......oh the joys......see some people are too trusting....me I wouldnt lend anyone that amount of money. Silly silly girl and oh dear she wont see a penny of it I fear!

Never mind I am still doing letters and research for my credit cards and also the previous loans so am going to be very very busy buying loads of stamps 2m and hitting the post office hehe got some recorded delivery slips today at work so filling them in and will lodge them with the PO at lunch time 2m xx

maxdp

skintmumofone wrote: »

First of all I would like to thank you all each one of you for all your advice. I am so glad I am not the only one having major probs with FP and WF.

Okay after reading all your comments, I firstly wrote back to First Plus advising them that I took the first loan with Loans.co and the advance was thru themselves and also if they didnt investigate this I would be writing a further letter to the FSO. FIngers crossed it works?

Secondly I have just written a 2 page letter to WF and complained about the phone calls and given them specific dates and times also said I had paid this by cash on the due date therefore I do NOT owe them any £20 etc etc and as for the balance I will be asking the FSO to investigate this as I had already spoken to them about my financial situation and change of bank account and that the BOS had arsed up and the Abbey hadnt the new dd details at the time its not my fault they didnt take 2 payments out my account for 2 months is it? Oh I went ballistic lets just say there was steam coming off my keys on the keyboard lol:rotfl: :rotfl:

No son 2m he is staying at his aunties but peace will be truly shattered on Friday when my 2yr old niece comes back with my son hehe fun and games isnt the word!

Mind you my sis in law is having a bit of trouble with her ex it seems that she loaned him £19000 to put a deposit down on her house he bought for her and wee one and this was last June and she was promised it back but he says now he doesnt have it and there is nothing she can do.....I did tell hre to get something in writing but she trusted him 100% christ he done the dirty on her once and seems hes doing it again......oh the joys......see some people are too trusting....me I wouldnt lend anyone that amount of money. Silly silly girl and oh dear she wont see a penny of it I fear!

Never mind I am still doing letters and research for my credit cards and also the previous loans so am going to be very very busy buying loads of stamps 2m and hitting the post office hehe got some recorded delivery slips today at work so filling them in and will lodge them with the PO at lunch time 2m xx

OMG you have a busy family

Good for you on the reclaiming front. Go for it. If you need any help then please post on here.;)