PPI Reclaiming Discussion part 4

di3004

nee-naw wrote: »

Can I just say a very BIG THANK YOU to all you wonderful peeps here. Your advice and attention to detail is nothing short of fantastic and all we can reward you with is a simple "thank you" but I hope you all know it comes from the heart!

What a lovely person you are.;)

Good luck with this and you can always post back anytime, fingers crossed to you.:A

maxdp

Natalie6999 wrote: »

I have just rung HSBC they say that all complaints should be directed to Marks & Spencer.

Who else can I turn to?

Sorry about your news Nat. I really hope somebody can help you here.

di3004

This link here you may find interesting/useful, with also the PPI final report for Jan 2009: In announcements
http://www.competition-commission.org.uk/inquiries/ref2007/ppi/index.htm

pinkprincess99

Hi
I posted a few days ago on here regarding my claim with RBS and you helped me with my query thanks. Although I have not yet gone to FOS, I advised RBS PPI reclaim department I was going to. However, I have just received an answerphone message from the PPI reclaim department at RBS, who have advised me that my case in now in calculation and I will know an outcome by the end of the month. Does anyone know what this means and if it is a good sign? I'd love to hear if this has happened to anyone else with RBS.
Thanks

di3004

pinkprincess99 wrote: »

Hi
I posted a few days ago on here regarding my claim with RBS and you helped me with my query thanks. Although I have not yet gone to FOS, I advised RBS PPI reclaim department I was going to. However, I have just received an answerphone message from the PPI reclaim department at RBS, who have advised me that my case in now in calculation and I will know an outcome by the end of the month. Does anyone know what this means and if it is a good sign? I'd love to hear if this has happened to anyone else with RBS.
Thanks

Hi there
I may be wrong but its looks like they are actually dealing with the calculations of your PPI complaint.
I am sure someone else will be able to say here, hopefully its a good outcome of this.
Please let us know and keep a check on other posts as well, good luck.;)

showergirl

pinkprincess99 wrote: »

Hi
I posted a few days ago on here regarding my claim with RBS and you helped me with my query thanks. Although I have not yet gone to FOS, I advised RBS PPI reclaim department I was going to. However, I have just received an answerphone message from the PPI reclaim department at RBS, who have advised me that my case in now in calculation and I will know an outcome by the end of the month. Does anyone know what this means and if it is a good sign? I'd love to hear if this has happened to anyone else with RBS.
Thanks

Well done.:j It sounds like good news.
Just hope once RBS get a letter from the ombudsman regarding my claim they come back with an offer

booi666

Incipience wrote: »

Well first you should informally call them and ask for a copy of the original agreement. If they ask why, just tell them that you have mislaid it, and you need it for your files.

If they refuse then ask them why, at this point raise a complaint.

With banks its the unknown that really freak them out.

They will only refuse it if they dont have it,which is usually the case!!!!!

Incipience

booi666 wrote: »

They will only refuse it if they dont have it,which is usually the case!!!!!

This will help your case.. you would then write a letter, stating something along the lines
"Further to our phone call on the "date". regarding my request for a copy of the credit agreement I have with yourselves, I note from the call that you had refused to supply me with the credit agreement, I therefore must stress that this was a legitimate request and therefore must insist on your compliance"

I look forward to receiving credit agreement in the next 7 days.

Incipience

booi666 wrote: »

They will only refuse it if they dont have it,which is usually the case!!!!!

If they are unable to supply a current credit agreement then the finance is unenforecable. They must supply it, unless of course it is over 6 years.

booi666

Incipience wrote: »

If they are unable to supply a current credit agreement then the finance is unenforecable. They must supply it, unless of course it is over 6 years.

You'll probably find that the agreement is down at the central bank or somewhere in the governments files:eek:

Thats why they cant produce it