PPI Reclaiming Discussion part 4

rosemahairy

MikeysGirl wrote: »

I have a similar situation - RBS have offered just under £2K as 'goodwill' which looks to be about right for the payments, but no mention of the 8%.
They also said that it would be credited to my account.
1) can i insist on a cheque, since the premium wasn't paid from my credit account? (be nice to get £2K off the balance but it's a matter of principle)
2) should i push for the 8% as they've already earnt double that in interest on it over the years?

Thanks

Take it to the FOS you will get a full full refund with the 8% statutory. It will take a couple of months but at least you will get back the full whack deserved. If you have no arrears you are entitled to a cheque. Dont let them fob you off

di3004

jadest wrote: »

Yes that is right the Adjudicator up-held my compliant after a year of my complaint being lodge with the FOS... I nievely thought that was it I would get my money at that stage, but no, now it has to go higher than the Adjudicator for final decission... and there is another queue... it is so frustraiting...

I will do as you said and phone as they are not answering emails.

Thanks again

Jules

Hi Jules

If your stuggling with financial difficulties in arrears with anything, mortgage etc let them know, or you may have other reasons for the FOS to consider moving your case on quicker for you on fast track.
Its just a suggestion as not everyone are aware of this, will keep my fingers crossed for both you and Ell-bee who as you know like yourself been waiting a very long time, good luck.;)XX

di3004

MikeysGirl wrote: »

I have a similar situation - RBS have offered just under £2K as 'goodwill' which looks to be about right for the payments, but no mention of the 8%.
They also said that it would be credited to my account.
1) can i insist on a cheque, since the premium wasn't paid from my credit account? (be nice to get £2K off the balance but it's a matter of principle)
2) should i push for the 8% as they've already earnt double that in interest on it over the years?

Thanks

Hi there

1) I would write to ask or ring to ask if you can have this paid directly to you, no harm in trying.
2) I would ask them about the 8% or do what Rosemahairy said, go to the FOS who automatically adds this in with your reclaim anyway, tell them you will go this direction if they do not do this for you. (its entirely your choice though), good luck.;)

pinknico

rosemahairy wrote: »

HI ALL

Please be aware if you are querying PPI or charges on an account; whilst that account is in query (whether internal procedure or the FOS) it is against the banking code (section 13 i think) for them to take any adverse action against you or file adverse information about you whilst the account is in query.....

Have you already had a CCJ actioned on you whilst you were waiting for an outcome on a PPI or charges query? You can apply to 'set aside the judgement' on the grounds the judgement was wrong, the amount will of course be wrong if it includes unlawful charges and miss sold PPI. Use the website http://www.hmcourts-service.gov.uk/ to guide you and download the formas you need. I am on with it now against Black horse i will keep you all updated........

This is why I don't think they should be able to repossess you either.

dialysis

pinknico wrote: »

This is why I don't think they should be able to repossess you either.

Hi Pinknico You are right they should not be able to repossess you if you have an ongoing issue with mis selling etc. but unfortunatly this is not set in stone. According to legal advice we have recieved we might still be repossessed even though we have issue with Picture. I understand it is down to the judge in question on the day. We are being repossessed by Picture home loans, formally Picture Foinancial, and although they have agreed to hold off for a futher three months it will happen and we will be repossessed all because of not been able to claim on my PPI and mis selling. It is S...T and makes me so angry. :mad:

marshallka

dialysis wrote: »

Hi Pinknico You are right they should not be able to repossess you if you have an ongoing issue with mis selling etc. but unfortunatly this is not set in stone. According to legal advice we have recieved we might still be repossessed even though we have issue with Picture. I understand it is down to the judge in question on the day. We are being repossessed by Picture home loans, formally Picture Foinancial, and although they have agreed to hold off for a futher three months it will happen and we will be repossessed all because of not been able to claim on my PPI and mis selling. It is S...T and makes me so angry. :mad:

Have you been in touch with your MP maybe? I really feel for you and what you are going through.

amersall

Katkins1982 wrote: »

Posting letter off to A&L today, wish me luck :j

:j:j:j:j:j:j good luck :D:D:D

pinknico

dialysis wrote: »

Hi Pinknico You are right they should not be able to repossess you if you have an ongoing issue with mis selling etc. but unfortunatly this is not set in stone. According to legal advice we have recieved we might still be repossessed even though we have issue with Picture. I understand it is down to the judge in question on the day. We are being repossessed by Picture home loans, formally Picture Foinancial, and although they have agreed to hold off for a futher three months it will happen and we will be repossessed all because of not been able to claim on my PPI and mis selling. It is S...T and makes me so angry. :mad:

Wish there was more I could do or say, big hugs and best wishes, xx

dialysis

marshallka wrote: »

Have you been in touch with your MP maybe? I really feel for you and what you are going through.

Hi yes I emailed over a week ago not heard a thing maybe too busy claiming expenses oops sorry !!! going to try again

di3004

dialysis wrote: »

Hi yes I emailed over a week ago not heard a thing maybe too busy claiming expenses oops sorry !!! going to try again

Hi dialysis

I feel for you as well, you've been through enough stress already, its not fair that you have to keep waiting.
I wish you all the best with this hun and send my love and best wishes.:A

Di
XXXXX