PPI Reclaiming Discussion part 4

sparky0107

di3004 wrote: »

Hi Sparky, hope your well and its good to hear from you.;)

If this loan was taken out the last 5 or 6 years, they really should not provide the details, as they ask on these questionaires, they should still hold the details of your account on their systems, where-as many have wrote back and enclosed the questionaire uncompleted and stated that "I enclose the questionaire, but have not completed the questions, due to the fact that I believe you should hold the details of when you arranged and sold me the finance".
Something along those lines.

However if its gone past say 6 years, they may no longer hold the details, where the questionaire may need completing.

Its entirely up to you if you want to complete this, and many say its a stalling tactic.
They must still deal with your complaint by 8 weeks.

Whatever you decide to do, good luck and keep us posted, cheers.;)

Thanks Di,
It's for credit card PPI, taken out over the internet 2 years ago, so I think I'll follow your advice & send it back with the statement, "you already have all the relevant facts, & I am now taking my claim to the FOS", and see if that moves them

Sorry hun, forgot to ask how you were! how rude of me!!. How are you?

di3004

sparky0107 wrote: »

Thanks Di,
It's for credit card PPI, taken out over the internet 2 years ago, so I think I'll follow your advice & send it back with the statement, "you already have all the relevant facts, & I am now taking my claim to the FOS", and see if that moves them

Sorry hun, forgot to ask how you were! how rude of me!!. How are you?

lol, I'm fine thank you....:D:A;), not to worry, your busy dealing with your claims, your not been rude lol.;)X

Good luck with this, and let us know how you get on, any problems let us know. Hope all goes well for you. X

Bigal_2

From what I can see they all try and make claims difficult, so I would tend to press on.

For example, Egg stopped my credit card when they found out I was working abroad, so I put in a PPI claim. Usual delaying tactics of blah blah letters. So I sent the follow up letter saying that if they did not reply, etc, using the template here.

You will love the next bit. They sent me an email with a voice recording of the original selling. of course, they made that difficult also, you had to get a password from then and you had to do this and that.

Anyway, when I opened the voicefile, you could here me saying that I was in Belgium working abroad. She pressed ahead with the sale without even checking my ID or secure passwords. So she sold me a poilicy knowing that i was working abroad on 6 month Contracts, and the insurance does not cover these. So I sent them a further letter and email today.

So what I am saying is press on as far as you can and always threaten the Ombudsman, etc.

pinknico

http://www.thesun.co.uk/sol/homepage/news/money/2453506/Ill-take-27000-from-the-top-and-push-two-to-the-bottom.html

Just got this in an email!

showergirl

Thanks everyone for your replies.

I have told my friend to wait to see what MBNA come back with.

Hope you all have a good day

maxdp

Hi All
Do not know if anybody else has seen this link re Claims Companies
http://www.dailymail.co.uk/money/article-1190430/Ambulance-chasers-public-warning.html

maxdp

showergirl wrote: »

Hi everyone

Can anyone give me some advice.

My friend at work sent a letter off to A and L, to claim her ppi off her credit card. She has received a letter back saying they have passed it on to MBNA who deal with the credit cards. Is this correct and has anyone had any success from MBNA.

I may not get back on tonight but if anyone could give any advice I will log on tomorrow.

Hope everyone is well

Hi There

Yes I have claimed back two CC PPI's with A and L and they both were passed through MBNA they have both paid out within specified time by the FOS.

showergirl

maxdp wrote: »

Hi There

Yes I have claimed back two CC PPI's with A and L and they both were passed through MBNA they have both paid out within specified time by the FOS.

Did you have to take your complaint to the FOS

sparky0107

di3004 wrote: »

lol, I'm fine thank you....:D:A;), not to worry, your busy dealing with your claims, your not been rude lol.;)X

Good luck with this, and let us know how you get on, any problems let us know. Hope all goes well for you. X

Morning di,
I didn't fill in the questionnaire, instead I put the polcy number on it and wrote in one of the boxes

"You have all the relevant information, when I sent my original claim on the 22/01/2009, I am now taking my claim to the FOS"

6 months is some delaying tactic wouldn't you think lol

Pegleg

Hello,

I took PPI with a loan about 9 years ago and was told i had to take it or i wouldn't get accepted. As it so happens I lost my job and didn't claim. Now 9 years down the line i'm still paying for the loan with an aggreement with the bank as the loan went to debt collectors and they eventually found me, so i pay a small amount i can afford each month.

Do i have a case as evidently the insurance didn't work or was even any use??