PPI Reclaiming Discussion part 4

di3004

skintmumofone wrote: »

Thanks DI I really appreciate the help and support you have given over the last few months. Seem to feel we are really getting somewhere and feel more secure that I have still got a job, house etc so thinking I am getting less stressed.

Update......Black Horse sent a letter saying they do not think I was mis-sold any PPI as I had signed their Demands and Needs statement which was optional and had agreed to taking the PPI again which was optional do I go back to the FOS? They have sent their letter saying if I am still not happy to contact them?

Also received another blooming letter from WF saying my balance was £18000 and I only took a loan out for £15k with PPI of £2404 and have paid it for 2 yrs and missed 4 payments so agreed to pay an extra £60 have paid 6 months of this and they state in a call that I am meant to be payin £281 however I have my bank statementswhich show £264 has been paid since June 2007 so what the hang is going on with them?

Havent heard anything else so patiently waiting......x

Your very welcome.;)

Yes move this on to the FOS now then.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
You can download the form or contact them to send through the post, also remember to enclose a copy of the letter from BH.
So they aware aware that BH said you can do this.

They have fobbed you off and the FOS should be able to see through this, signing a demands and needs or not.;)

In regards of WF, I have not got a clue how they work, but I know they are not the easiest of them to deal with.
I'm sure you will come across others who have had lots of messing round by them, hopefully they will post up with some useful info on this one for you.

Good luck and keep your chin up, I'm sure things will soon start getting even better for you.;)X

skintmumofone

di3004 wrote: »

Your very welcome.;)

Yes move this on to the FOS now then.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
You can download the form or contact them to send through the post, also remember to enclose a copy of the letter from BH.
So they aware aware that BH said you can do this.

They have fobbed you off and the FOS should be able to see through this, signing a demands and needs or not.;)

In regards of WF, I have not got a clue how they work, but I know they are not the easiest of them to deal with.
I'm sure you will come across others who have had lots of messing round by them, hopefully they will post up with some useful info on this one for you.

Good luck and keep your chin up, I'm sure things will soon start getting even better for you.;)X

Thanks Di I have actually contacted the FOS first this was before I knew about this forum so they sent me the paperwork back and asked me to contact BH direct as with all other creditors so I have done this and referred Abbey and HBOS back to them as I have received final offer of a goodwill gestureof £60 from Abbey but they refuse to refund back any of the charges and HBOS well they havent refunded charges they were meant to in OCtober 2008 so not getting anywhere with them so have sent back the forms to the FOS.

Feel much more positive and I went on a course a few wks ago at work called STEPS to do with being positive I willpost what he says today....

skintmumofone

Listening
Do you have trouble understanding why your kids do what they do? Or why your mate refuses to listen to you? I have a suggestion to make that may help. If you'd like to see your relationships change for the better, there is something you can do that is almost guaranteed to help. It doesn't matter whether it's a teenager who doesn't talk to you anymore, a spouse who just won't listen, or a coworker who never asks you to lunch. This technique will improve any relationship, and it's not hard to do, once you get the hang of it. I'm talking about listening - but not ordinary listening. I mean listening while you are really trying to understand where the other person is coming from. This means refrain from judging what they have to say, reacting to it, or figuring out what you're going to say when it's your turn. You're not hearing just the parts that interest you, and you're not just listening with your ears and mind - you are listening with your heart. You're trying to see the world as they see it, to understand what it is they're feeling and to put yourself in their shoes. It is a powerful experience to be heard in this way. It creates a bond between people - a bond of genuine human connection. Try it for a day or two. Ask the people in your life to talk to you, but don't jump in and try to fix their problems, don't give advice, and don't make judgments. Just ask questions and pay 100 percent attention until you think you really understand. Then check it out to see if you do. I think you will be surprised at just how much this kind of emotional listening can do for your relationships.

Dont know if it works tho but I get emails like this every day and they actually help me. The course was 3 days and it focussed on you how to be positive and turn negative thoughts into positive about releasing your potential and all that I think it came at the right time as I have taken the bull by the horns so to speak hee hee then again Imay be goingdowally x

di3004

skintmumofone wrote: »

Thanks Di I have actually contacted the FOS first this was before I knew about this forum so they sent me the paperwork back and asked me to contact BH direct as with all other creditors so I have done this and referred Abbey and HBOS back to them as I have received final offer of a goodwill gestureof £60 from Abbey but they refuse to refund back any of the charges and HBOS well they havent refunded charges they were meant to in OCtober 2008 so not getting anywhere with them so have sent back the forms to the FOS.

Feel much more positive and I went on a course a few wks ago at work called STEPS to do with being positive I willpost what he says today....

Brilliant, so its all looking good then.......:T, well done on your course, and the best of luck, and of course it helps take your mind from the stress.;)

di3004

skintmumofone wrote: »

Listening
Do you have trouble understanding why your kids do what they do? Or why your mate refuses to listen to you? I have a suggestion to make that may help. If you'd like to see your relationships change for the better, there is something you can do that is almost guaranteed to help. It doesn't matter whether it's a teenager who doesn't talk to you anymore, a spouse who just won't listen, or a coworker who never asks you to lunch. This technique will improve any relationship, and it's not hard to do, once you get the hang of it. I'm talking about listening - but not ordinary listening. I mean listening while you are really trying to understand where the other person is coming from. This means refrain from judging what they have to say, reacting to it, or figuring out what you're going to say when it's your turn. You're not hearing just the parts that interest you, and you're not just listening with your ears and mind - you are listening with your heart. You're trying to see the world as they see it, to understand what it is they're feeling and to put yourself in their shoes. It is a powerful experience to be heard in this way. It creates a bond between people - a bond of genuine human connection. Try it for a day or two. Ask the people in your life to talk to you, but don't jump in and try to fix their problems, don't give advice, and don't make judgments. Just ask questions and pay 100 percent attention until you think you really understand. Then check it out to see if you do. I think you will be surprised at just how much this kind of emotional listening can do for your relationships.

Dont know if it works tho but I get emails like this every day and they actually help me. The course was 3 days and it focussed on you how to be positive and turn negative thoughts into positive about releasing your potential and all that I think it came at the right time as I have taken the bull by the horns so to speak hee hee then again Imay be goingdowally x

Hmm this sounds rather interesting.;)

skintmumofone

yeah have loads more in fact nearly a whole years worth as my colleague at work has been emailing me them since June last yr when she went on it so I knew what to expect and they have really helped me.

Yeah much more positive and my DMP is going really well so fingers crossed.

di3004

skintmumofone wrote: »

yeah have loads more in fact nearly a whole years worth as my colleague at work has been emailing me them since June last yr when she went on it so I knew what to expect and they have really helped me.

Yeah much more positive and my DMP is going really well so fingers crossed.

Wonderful that:A.

They are great on the DFW thread as well I see.:T
And with details of how DMP, its a good thing.;)

Well done to you.:T

skintmumofone

Thanks DI
Well am away to bed now so nite nite and speak to you 2m x

di3004

skintmumofone wrote: »

Thanks DI
Well am away to bed now so nite nite and speak to you 2m x

Sorry I missed you hun, my puter went rather weird.......:o, I had to restart the damn thing......

Night night though and sweet dreams, catch you tomorrow........oh it is already tomorrow lmao........:rotfl::rotfl::AXX

tomhow

melorablack wrote: »

Hi Tomhow

You have done for the right thing asking for the agreement.

I would also ask for the policy schedule, which should have been sent to you when the policy was taken out and which contains informations such as when the policy starts and ends. This document should be tailored to your policy. Also ask for the policy booklet as it will contain more generic information about the policy.

If the policy expired I don't see how they can charge you for it after that date and I would have thought they would have had the courtesy to contact you to ask if you want to renew the policy.

I would also check through your paperwork to see if you still have anything relating to this policy.

Thanks melorablack for the info unforyunately as it was 1997 I cannot find any paperwork relating to this, but I will let people here know what happens.