PPI Reclaiming Discussion part 4

bathgatebuyer

Di - they have said I must tell them if I disagree with their assessment of the case by 13th May 09. I think they'll be hearing from me a lot sooner than that! Ha ha!!!

I will be digging out all my email to them over the past year because.......................sorry, just reached the bit in the file where I have an email that I sent to them telling them that de to the delay in considering my CCA claim with them, I was having to amend my original complaint to consider the PPI matter as well in order to MAKE THE 6 YEAR TIME LIMIT THEY HAVE!!!! Ding ding ding JACKPOT!

And a letter I sent to them in Oct 08 telling them that I was having to amend the original CCA claim to include the PPI matter due to the length of time it had taken them to ail to reach a decision in respect of the CCA matter.

That letter also clearly says to them that the "PPI terms and conditions were not supplied to me until 2nd August 2007! Clearly it's not 2nd August 2010 as yet is it? Or am I missing something?

amersall

bathgatebuyer wrote: »

Does anyone want a laugh?! I received a response from the FOS today about my complaint against Sainsburys - which was submitted in May last year - and apparently it's outwith the time limit for them to consider it!!! So, they are telling me that I have waited a year to be told I am outwith the time limit.

Well, this isn't the end of it. If they'd actually bothered to read the information that was supplied to them, they would know that I was first made aware of my rights as far as PPI mis-selling in 2007. So, I contacted Sainsburys about this and the CCA issue in 2007. The FOS letter says I am within the time limits if I raise the issue within 3 years of me becoming aware that I had been mis-sold. Now, correct me if I'm wrong but it isn't 2010 is it? Have I slept so much I've missed a year of my life and noone has told me?

I raised the issue with them of an invalid CCA being supplied by the Bank and asked them to consider that. It took them so long to consider that, that I then submitted my complaint about the PPI issue within the 6 years of the mis-selling to avoid missing the time limit. Yet, they still say 'you are too late'.

To say I am angry right now is an understatement. I have put my finances - and life - on hold waiting for them to decide what is happening with this and they've taken a YEAR to tell me that as far as they are concerned it is outwith the timescale, while all along, I have tried to keep it within the time limits set by them. As far as I am concerned, I have missed no bloody time limits and they will be getting a rocket up the proverbial as soon as I've calmed down enough to type rationally.

What a waste of a year. Idiots.

oh sorry to hear that, you must be gutted, you go kick butts!

scoodies

skv123 wrote: »

I think there is a good chance that there has been a variable rate paid and as such the PPI + interest would not equate to the figure of the monthly PPI multiplied by the term of the loan.

In addition your monthly PPI payment is inclusive of interest. The PPI Premium (cash price) on the loan does not include interest but the monthly amount is inclusive of interest.

But not of course statutory interest which you can certainly claim you have an entitlement to.

Hi there skv123.... Sorry was this post for me? I'm a bit green when talking about interest, etc lol :rolleyes:

If you were referring to my post, thank you for the reply....but can you expand on what you mean? It is a credit card that I have with them.

Sorry if I'm being a bit thick

Thanks, Scoodies xx

di3004

bathgatebuyer wrote: »

Di - they have said I must tell them if I disagree with their assessment of the case by 13th May 09. I think they'll be hearing from me a lot sooner than that! Ha ha!!!

I will be digging out all my email to them over the past year because.......................sorry, just reached the bit in the file where I have an email that I sent to them telling them that de to the delay in considering my CCA claim with them, I was having to amend my original complaint to consider the PPI matter as well in order to MAKE THE 6 YEAR TIME LIMIT THEY HAVE!!!! Ding ding ding JACKPOT!

And a letter I sent to them in Oct 08 telling them that I was having to amend the original CCA claim to include the PPI matter due to the length of time it had taken them to ail to reach a decision in respect of the CCA matter.

That letter also clearly says to them that the "PPI terms and conditions were not supplied to me until 2nd August 2007! Clearly it's not 2nd August 2010 as yet is it? Or am I missing something?

lol, yes your right bathgatebuyer, they are the ones who messed up here.
Crikey where did 2009 go then ?:eek:

I feel they will sort this out for you, but what on earth are they playing at?
They need to sort this out and NOW !
Good luck X

scoodies

di3004 wrote: »

Hi and yes do request for this and then compare the figures to your own.
Make sure they don't try to fob you off on the phone, tell them you want them posted.;) Good luck X

I've just rung them now, and they have said that I need to contact AXA for a breakdown???????? because they provide the insurance?? :rolleyes:

di3004

scoodies wrote: »

I've just rung them now, and they have said that I need to contact AXA for a breakdown???????? because they provide the insurance?? :rolleyes:

Strange that !:rolleyes:
Did AXA do the calculations then ???

scoodies

di3004 wrote: »

Strange that !:rolleyes:
Did AXA do the calculations then ???

No a Cap One Executive Office Manager wrote to me!!!

Very strange....eh?!!!!

skv123

scoodies wrote: »

I've just rung them now, and they have said that I need to contact AXA for a breakdown???????? because they provide the insurance?? :rolleyes:

The lender will know what proportion of your payments relate to PPI, they will also be aware how many payments you have made.

They are definitely the correct people to contact for that information.

bathgatebuyer

di3004 wrote: »

Crikey where did 2009 go then ?:eek:

Oh hell, I'm actually 34 now if it's 2010!

The ironic thing is that they rebutted the CCA issue as being something they would deal with until I wrote to the OFT and they said, "Send it to the FOS as they deal with complaints over CCA compliance". The FOS then changed their mind and said, "You're right, we can deal with it" :rolleyes: And then rejected my complaint 8 months later! :rotfl:Surprise surprise.

I'll give them a chance to reconsider this resending the info I have, but if they knock back my complaint again, I'll be complaining about the FOS themselves. They've handled this abysmally and will certainly take this to whomever possible to complain the dismal quality of service provided by them. Muppets.

scoodies

skv123 wrote: »

The lender will know what proportion of your payments relate to PPI, they will also be aware how many payments you have made.

They are definitely the correct people to contact for that information.

Thank you skv123....so I should carry on with Cap One then and not bother with AXA?!

I've had my SAR through today but my calcs are different to theirs....

Will write back to them and ask for a full breakdown

Thanks a lot x