PPI Reclaiming Discussion part 4

pinknico

molly44 wrote: »

Hi I put this post on part 3 of the discussion:

My situation is this :
Took a loan out in 2000 with my husband (now my ex-husband) with Nationwide. Was sold PPI even though we both had pre-existing medical conditions so I am claiming that it was mis-sold on this basis, and also because we were led to believe that it would assist our loan application if we took it out. Also PPI only covered first person on loan i.e my ex-husband.

Complained to Nationwide and was given final response to say basically you had terms and conditions and you both signed!

Have filled in comlaint form to FOS but have received it back so say 'it appears that both parties have not signed form. Please ask Mr N to sign form and return'

Can anyone tell me if they too have been in this situation. Mr N went to work abroad 4 years ago to avoid paying maintenance for the children and basically left me high and dry with large mortgage to pay, etc so I have no contact with him. It is me making the complaint for mis selling so does FOS still need his signature on complaint form?

Someone advised me to just ring FOS and tell them my situation, and I thought I would let you all know that I have done this and they told me to send complaint form in again but this time with a covering letter stating that I have no contact details for Mr N. They said it is up to adjudicator whether they will look into my complaint, so fingers crossed!!

molly44

Thanks for keeping us up to date, really hope they look into this for you. This will be useful for anyone else in that situation.

molly44_2

Thanks for your support pinknico. I will keep you all up to date when I know more.

molly44

sacbaby37

Guess wot guys i have just given someone advise, how did i do lol;) sarah xxx

sacbaby37

pebbles88 wrote: »

thanks Sarah,

do i have to ask for the card statements?? or can i just send the letter??

Yes, on the template you put your account number or numbers and pay the £10 and this requests all your statements going back 6 years and they have 40 days to comply by law. Mine took about 3 weeks but they also sent mine to me recorded, remember to send your letter recorded so you can track it. sarah xxx:beer:

pinknico

sacbaby37 wrote: »

Guess wot guys i have just given someone advise, how did i do lol;) sarah xxx

You're a natural, feels good dosen't it lol.:D

sacbaby37

pinknico wrote: »

You're a natural, feels good dosen't it lol.:D

Oh yes it certainly does, i just hope someone will put me right if i get it wrong.xxx

maxdp

sacbaby37 wrote: »

Guess wot guys i have just given someone advise, how did i do lol;) sarah xxx

Cause you can that is how. Come on and help more often. We all have different experiences on here. There is usually somebody that can help,:T

pebbles88

sacbaby37 wrote: »

Yes, on the template you put your account number or numbers and pay the £10 and this requests all your statements going back 6 years and they have 40 days to comply by law. Mine took about 3 weeks but they also sent mine to me recorded, remember to send your letter recorded so you can track it. sarah xxx:beer:

ok, marvellous!! You are very good at this!! :T :T

I will send the letter tomorrow with a £10 postal order!!

sacbaby37

pebbles88 wrote: »

ok, marvellous!! You are very good at this!! :T :T

I will send the letter tomorrow with a £10 postal order!!

Well thankyou, keep us posted when you hear anything, and good luck. xxxxsarah:beer:

dreamer33

sacbaby37 wrote: »

Guess wot guys i have just given someone advise, how did i do lol;) sarah xxx

Lmao you go for it sacbaby:T :A Excellent