PPI Reclaiming Discussion part 4

donna410_2

Hi there guy's I'm a very new person to this site i've already kicked off 3 charges claims and i'd quite like to persue a 4th I was wondering if any 1 could steer me in the right direction
here goes = the story,
When i was 18 i went to my local vauxhall garage to "look into" car fiance to see what it was all about, the next thing i no he's drafted up documentaion and i'm buying a car. I thought Yay' i didn't have to pay a deposite- bonus and i had all these random insurences they sounded fab i didn't have a clue what they were all about all i knew is without them and a guareentor i wasn't going to be able get finace so sheepishly i excepted. I then ended up with herendous monthly payments for well over the first agreed period with Capital Bank which then turned out to be the royal bank of scotland. Then when i lost my job in feb my guareentor told my i had taken out PPI for such an occasion but apparently i had insurnces the with 2 other companies and neither were applicable uncless i was critically ill or dead not really much help.

So my question is who an earth do i send my correspondence 2?

Sorry its a bit long-winded

Thank you
Donna (22 in need of HELP)

di3004

donna410 wrote: »

Hi there guy's I'm a very new person to this site i've already kicked off 3 charges claims and i'd quite like to persue a 4th I was wondering if any 1 could steer me in the right direction
here goes = the story,
When i was 18 i went to my local vauxhall garage to "look into" car fiance to see what it was all about, the next thing i no he's drafted up documentaion and i'm buying a car. I thought Yay' i didn't have to pay a deposite- bonus and i had all these random insurences they sounded fab i didn't have a clue what they were all about all i knew is without them and a gaureentor i wasn't going to be able get finace so sheepishly excepted. I then ended up with herendous monthly payments for well over the first agreed period with Capital Bank which then turned out to be the royal bank of scotland. Then when i lost my job in feb my guareentor told my i had taken out PPI for such an occasion but apparently i had insurnces the with 2 other companies and neither were applicable uncless i was critically ill or dead not really much help.

So my question is who an earth do i send my correspondence 2?

Sorry its a bit long-winded

Thank you
Donna (22 in need of HELP)

Hi Donna and Welcome.;)

So I take it you were sold the finance 4 years ago then?

You do have a good case here, so I would definately complain and reclaim on the insurance and interest.

Is this finance now settled? Although it makes no difference, as you can still reclaim if settled or still active.

Here below is a link with useful insurance, known on here as PPI (as they are all the same really), also some reclaim letter templates.
Write in your own reaons of how you were mis sold.
They have 8 weeks to respond in full.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

If you hear nothing by 8 weeks then try to Financial ombudsman service (FOS) to ask if they can investigate.

If you do hear from them and they have not resolve this to your satisfaction, write back and tell then you want this reconsidered, do this until you receive the "final response".
In the final response they should give details of the FOS if eligible.

Good luck and post up anytime when you need help with this matter.;)

(post all letters by recorded delivery).

donna410_2

Thank-you
yes finally although they knocked me for 6 when they told my " oh by the way your last payment will be £1600"

I'll take a look further into it
Sorry its late and i really should be in the land of Zzz's do you think i should write directly to Capital Bank/the royal Bank of Scotland as they were the main account providers?
or Vauxhall as that was who actually sold the policies to me?
( prehapes i'll be awarded some of that nice pension the chairman got :beer:)
Thank-you again

di3004

donna410 wrote: »

Thank-you
yes finally although they knocked me for 6 when they told my " oh by the way your last payment will be £1600"

I'll take a look further into it
Sorry its late and i really should be in the land of Zzz's do you think i should write directly to Capital Bank/the royal Bank of Scotland as they were the main account providers?
or Vauxhall as that was who actually sold the policies to me?
( prehapes i'll be awarded some of that nice pension the chairman got :beer:)
Thank-you again

lol, I would love to be in bed fast asleep by now, my son who has needs does not sleep, so this keeps me going this same time on here lol.

You should actually write to the ones who sold you this, as it was their responsibility, they may try to fob you off onto the lender, but tell them "Your company "sold" me this product".;)

Good luck.:D:beer:

donna410_2

Thank - you
ah a nocturnal life style has its positives
good night n good luck
thanks again x

di3004

donna410 wrote: »

Thank - you
ah a nocturnal life style has its positives
good night n good luck
thanks again x

With pleasure.:A
Good luck with this and just post up when you need help with this anytime, we will do our best to help you through this.;)

Night hun, speak soon X

skintmumofone

di3004 wrote: »

Golly gosh, you have your hands-full don't you?:eek:.

Awe first pics.........:A, OMG my two sons are that of 14 and the other will be 21 in November........:eek:, it doesn't seem that long when they were having their first pics at Nursery lol.......:D

Well good luck at work.;)

And in regards of your reclaims, go and get em......:T:T:D
And yes Loans.co.uk were fined, so you do have a good chance here, the very best of luck.:beer:

Its his last one before he starts school in August am so proud of my wee boy hehe I went to the Gala bingo last nite and it was the link up and I was waiting on 2 numbers 47 and 79 was physically shaking lol and he shouted 79 how gutted was I - it was for £7500 was so disappointed, but hey onwards and upwards I save for it every month mind you its only £7.50 hehe

have preapred the loans.co.uk letter and will deal with this 2m have a meeting 2m at work so wont be able to do anything til I get back home as my managing director wants to treat my team to lunch as we achieved our targets for the first 6 months so they decided on indian and I hate indian food so I am having normal stuff:mad::mad:

di3004

skintmumofone wrote: »

Its his last one before he starts school in August am so proud of my wee boy hehe I went to the Gala bingo last nite and it was the link up and I was waiting on 2 numbers 47 and 79 was physically shaking lol and he shouted 79 how gutted was I - it was for £7500 was so disappointed, but hey onwards and upwards I save for it every month mind you its only £7.50 hehe

have preapred the loans.co.uk letter and will deal with this 2m have a meeting 2m at work so wont be able to do anything til I get back home as my managing director wants to treat my team to lunch as we achieved our targets for the first 6 months so they decided on indian and I hate indian food so I am having normal stuff:mad::mad:

Wow I have not been to Bingo for years, never been lucky though and gosh you were real close......:eek:, good luck next time.

I do have the weekly mags, like Take a break and Pick me up, some of them have online bingo....its tempting but I am too afraid of losing money......

You were quick doing that letter, well done....:T.

Your son sounds like a real sweetie "bless".:A

skintmumofone

di3004 wrote: »

Wow I have not been to Bingo for years, never been lucky though and gosh you were real close......:eek:, good luck next time.

I do have the weekly mags, like Take a break and Pick me up, some of them have online bingo....its tempting but I am too afraid of losing money......

You were quick doing that letter, well done....:T.

Your son sounds like a real sweetie "bless".:A

He is a wee gem have had no bother from him he is the model child and I keep waiting for him to hit terrible 4s or 5s etc but nothing he is so comical and very affectionate but is defo a mummy;s boy hehe

I thought I better do it now cos I wont have time in the morning be too busy finishing off my presentation lol. Am seriously thinking about leaving the car and getting the train up after all then I can do it on the train write my notes hehe only lasts an hour the journey but I have so much to do.

Need to go to my bed tho as I have to drop wee man off at my sisters at half 7 2m before I go away oh the joys.,,....night everyone and thanjks for your help Di again you always give great advice x

di3004

skintmumofone wrote: »

He is a wee gem have had no bother from him he is the model child and I keep waiting for him to hit terrible 4s or 5s etc but nothing he is so comical and very affectionate but is defo a mummy;s boy hehe

I thought I better do it now cos I wont have time in the morning be too busy finishing off my presentation lol. Am seriously thinking about leaving the car and getting the train up after all then I can do it on the train write my notes hehe only lasts an hour the journey but I have so much to do.

Need to go to my bed tho as I have to drop wee man off at my sisters at half 7 2m before I go away oh the joys.,,....night everyone and thanjks for your help Di again you always give great advice x

Awe he is soooo sweet.:A
I'm sure he will always will be.;)

Your very welcome hun and just give us a yell anytime on this.

Yes you will be shattered in the morning, good luck for tomorrow too, hope all goes well.;)

Sweet dreams.:A XXX