PPI Reclaiming Discussion part 4

di3004

reille wrote: »

Thanks for advice.

I did accept but told them I wasn't happy with their offer. They didn't include the 8% interest which I asked them to do. I'm going to try the FOS.

Cheers.

You go for it and the best of luck.;)

amersall

Deleted_User wrote: »

I received a letter from direct auto finance stating that the agreement i signed stated all the facts, they also questioned why i was only claiming back now and also said i hadnt provided evidence that the salesperson was pushy. They asked why i was only raising this now. I didnt know I could claim it back until now.. what do i do?

you are only claiming now because no one knew what a rip off the ppi was,you signed for something you were not given the full facts on, we are all in the same boat with this, and now we are fighting back! contact them again in writing and tell them you are not happy with the reply and you will be taking this to fos, they are fobbing you off dont let them get away with it, you can have all the help you need on this site, you go for it and good luck! keep us posted

amersall

reille wrote: »

Thanks for advice.

I did accept but told them I wasn't happy with their offer. They didn't include the 8% interest which I asked them to do. I'm going to try the FOS.

Cheers.

you go for it, get back what is rightfully yours, you need to let them know you will not be accepting the offer and you are going to fos

soontobesensible

Not to happy today. Finally after many months and FOS intervention got a letter from Black Horse saying that they would only be paying me the premiums paid + interest and £200 compensation. No mention of the actual PPI loan.

Help, what should I do now?

di3004

soontobesensible wrote: »

Not to happy today. Finally after many months and FOS intervention got a letter from Black Horse saying that they would only be paying me the premiums paid + interest and £200 compensation. No mention of the actual PPI loan.

Help, what should I do now?

Hi hun

So this is being dealt with by the FOS or directly to BH?

Sorry if I have mis read on this.:o

Is this still active or a settled account?

If still active they should repay all you have paid in PPI premiums and the interest, here is the link to what Maxdp posted in regards of the FOS calculations:
http://forums.moneysavingexpert.com/showthread.html?t=1596473

If the finance is settled they should repay back every bit of PPI and the interest etc, see what you can make out on the above thread, and if you feel anything is amiss let the FOS know, if this is being dealt with through them, good luck.;)

ashleyjudd_2

Hi everyone,

I think this site is amazing. Not sure if I am posting my question correctly, so apologies if I have added it to the wrong thread.

Basically i sent a letter to ge money re a debenhams account i used to have. i asked to reclaim bck the ppi, the reply i recd was that the sales adviser had advised me correctly and that i had agreed. i then wrote back asking for all the calls sent to me. however, they said that they do not have this and that they cant deal with my complaint and i should go to the fos. however, how can they say that they had listened to the call if they do not have the calls going back that far. My questions therefore is, should i write back to them or indeed just go straight to the FOs.

Any help would be greatfully received.

thanks again, regards

Ashley

di3004

ashleyjudd wrote: »

Hi everyone,

I think this site is amazing. Not sure if I am posting my question correctly, so apologies if I have added it to the wrong thread.

Basically i sent a letter to ge money re a debenhams account i used to have. i asked to reclaim bck the ppi, the reply i recd was that the sales adviser had advised me correctly and that i had agreed. i then wrote back asking for all the calls sent to me. however, they said that they do not have this and that they cant deal with my complaint and i should go to the fos. however, how can they say that they had listened to the call if they do not have the calls going back that far. My questions therefore is, should i write back to them or indeed just go straight to the FOs.

Any help would be greatfully received.

thanks again, regards

Ashley

Hiya Ashley

Welcome and your in the correct place.;)

They have slipped up there haven't they?

I would take this to the FOS now, and also tell the FOS about the recorded calls to back your case, as they did state they listened and yet they cannot supply them to you.

However, I would also ring them (GE money) to ask them or a quick note and again tell them your aware they have listened and if this is the case why can't they supply the recordings to you.
Tell them you will consider contacting the Information Commissioners Office (ICO) who may even help you out by contacting them for you.

ICO here:
https://www.ico.gov.uk/Global/contact_us.aspx

In regards of the FOS, you can either download and print or ring them to arrange to send you the form through the post, remember to enclose copies of correspondonce within your claim form, good luck and post up for help when required.;)
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

ashleyjudd_2

Hi, wow!! what a quick reply.:rotfl:
Thank you so much for the information you have provided. I will call them tomorrow and let you know how i get on.

thanks again,

ashley x

di3004

ashleyjudd wrote: »

Hi, wow!! what a quick reply.:rotfl:
Thank you so much for the information you have provided. I will call them tomorrow and let you know how i get on.

thanks again,

ashley x

Your welcome Ashley, it would have been quicker but am scanning the same time lol.....:D.
Good luck and yes please keep us posted.;)

Cheers
Di
X

soontobesensible

di3004 wrote: »

Hi hun

So this is being dealt with by the FOS or directly to BH?

Sorry if I have mis read on this.:o

Is this still active or a settled account?

If still active they should repay all you have paid in PPI premiums and the interest, here is the link to what Maxdp posted in regards of the FOS calculations:
http://forums.moneysavingexpert.com/showthread.html?t=1596473

If the finance is settled they should repay back every bit of PPI and the interest etc, see what you can make out on the above thread, and if you feel anything is amiss let the FOS know, if this is being dealt with through them, good luck.;)

Yes Di,
Thanks for your response. Yes the account is settled and has been through the FOS. Was half expecting Black Horse to pull a fast one anyway and didn't really think that they would co-operate! Will get on the phone to the FOS Tomorrow! How could they possibly miss that out in their calculatons of my refund, especially as the FOS had made told them in the settlement letter what I would be entitled to.
I am not giving in to them though!!!!!! xxx