PPI Reclaiming Discussion part 4

beaniebabe

di3004 wrote: »

Your welcome hun, and I don't blame you, there are many reasons for being mis sold and it may be a mistake if suddenly they did not pay out for it on a claim, so you done the right thing me thinks.:D;)XX

Thanks Di
I think I am doing right. I am sure that if I were to claim on the PPI and be successful then they would have a good argument against accepting it was mis sold. and I am not taking the chance. Once again Thanks for your good advice.:D

di3004

Beatlefan wrote: »

Thanks Di, helpful advice as always! :A

Yes I sent the request for copies of the loan agreements via recorded delivery. I'll double check with the Royal Mail and then follow it up like you suggest.

I've got just a few more days to give TPF til the 8 weeks are up and then I'll send off the FOS letter! Can't believe they've not sent anything back, even if it was a standard "get lost" letter!! I'll let you know how I get on.

Thanks again Di.

With pleasure........:D;)X

They do try to stall as much as possible don't they?

Well I keep it all crossed for you and hoping its a good result.
But yep prepare a letter ready, good luck XX

di3004

beaniebabe wrote: »

Thanks Di
I think I am doing right. I am sure that if I were to claim on the PPI and be successful then they would have a good argument against accepting it was mis sold. and I am not taking the chance. Once again Thanks for your good advice.:D

Not a problem.;)

I know what you mean, and besides to your knowledge due to the existing medical condition anyway they do not normally pay out, so good luck XX

sdl811

Anyone know the MBNA CC postal adderr to send a PPI reclaim template to?

di3004

sdl811 wrote: »

Anyone know the MBNA CC postal adderr to send a PPI reclaim template to?

Hi there

The only one that I know of is this one here:

MBNA Head Office:
M B N A Europe Bank Ltd,
Stansfield House,
Chester Business Park,
Chester,
Cheshire,
CH4 9QQ

As in the address thread, good luck.;)

amersall

beaniebabe wrote: »

Thanks Amersall. I am reluctant to claim on the PPI. I think this is a crafty move on Pictures part. I do not think for a minute they will pay out as the operation was due to a pre existing condition and OH was in temporary employment. The policy was mis sold for definate so I am not going to be tempted and am going to stick it out. They are not getting a penny more from me!!;)

well done !! you go for it, they know if you claim you wont get anything back, they are trying to fob you off, good for you not falling for it

dialysis

Morning everyone thank you for all your hugs, support and thoughts you are all:A:A:A:T:T:T:T:smileyhea:smileyhea:smileyheaWill keep you posted

showergirl

Beatlefan wrote: »

Hi, not been around on the boards much for a while. Hope everyone is getting on ok with their reclaims. :T

It's been nearly 8 weeks since I sent letter 1 to TPF, but apart from an initial acknowledgement letter, I've heard nothing. Not sure what to do next. The initial letter said if they hadn't been able to reach an agreement by the 8 weeks then I can refer them to the FOS.

If I haven't heard by the 8-week deadline, what do you think I should do? Give them a few more days, write to them to prompt them, or just go straight to the FOS and get on with it? I'd be really grateful for any advice. I was expecting a big fat "no" or maybe a stalling letter - but not the silent treatment!! :rotfl:

I also wrote to my bank about 8 weeks ago, asking for copies of an old loan agreement, including a postal order for £1, but have heard nothing from them. Should I give them a bit longer, or write again?

Thanks as ever for any advice. :A

Hi Beatlefan,

Have you got the number of the caseworker, you could possibly give them a ring.

I kept pestering them every week, I also got in touch with the FOS and had my case number and forms ready when I was sent the final response.

I would start pestering them now but be prepared for the NO letter.

Good luck and keep us informed you will win in the end

bdt1

Have had Royal Bank Scotland mortgage since Dec 2004, at the time we took out mortgage PPI through another Co put in place by Mortgage Adviser. When I became pregnant and left my job in Feb 2006 to go on Maternity Leave, my employer did not 'top-up' my pay and I was only in receipt of SMP, a loss of about £1,400 per month!!!!!!!!!! When we approached PPI Co about a mortgage break they said, we couldn't as we hadn't had our mortgage in place for a set period of time (think it was 3 years), so we ended up in mortgage arrears until I could get back to work after the birth. As we had not been told this when we took the PPI out, can we reclaim? Just to add, as soon as they told us, we couldn't have the mortgage break we stopped paying the PPI - we just though why pay it for 3 years if you have no chance of claiming, the money could be better off used elsewhere.

Any ideas

di3004

bdt1 wrote: »

Have had Royal Bank Scotland mortgage since Dec 2004, at the time we took out mortgage PPI through another Co put in place by Mortgage Adviser. When I became pregnant and left my job in Feb 2006 to go on Maternity Leave, my employer did not 'top-up' my pay and I was only in receipt of SMP, a loss of about £1,400 per month!!!!!!!!!! When we approached PPI Co about a mortgage break they said, we couldn't as we hadn't had our mortgage in place for a set period of time (think it was 3 years), so we ended up in mortgage arrears until I could get back to work after the birth. As we had not been told this when we took the PPI out, can we reclaim? Just to add, as soon as they told us, we couldn't have the mortgage break we stopped paying the PPI - we just though why pay it for 3 years if you have no chance of claiming, the money could be better off used elsewhere.

Any ideas

Hi there

I can't see why not.

For more information on PPI reclaiming, check this link here, it has templates to help you through the reclaiming process, write in your own reasons, they have 8 weeks to respond in full.
Another letter maybe required if they do not resolve this in your favour on the first response, they should give you details of the financial ombudsman service (FOS) if eligible and your not satisfied with the outcome of their final response.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Remember to post by recorded delivery, and please keep us posted.;)