PPI Reclaiming Discussion part 4

MikeysGirl

rosemahairy wrote: »

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

Ooo missed that reply, thanks

MikeysGirl

Anyone tried reclaiming PPI from M&S?

Had a reply today saying they dismiss my complaint because PPI has always been itemised and i could've disputed it at any time.
Well, they have a point but why would i have disputed something i didn't know was optional??

Step 2 here i go.....

di3004

dazman20032003 wrote: »

evening peeps ,

been claiming back ppi on a loan from tsb , i lodged the complaint with the fos who have been dealing with it , the fos rung me the other day to say that lloyds had said they had settled the claim whicjh they hadnt , so i told the fos this and also rung lloyds to ask them , today i have looked at my account and they hav credited it with 643.35 i have no break down or paperwork on this so dont know how to calculate the figure what should i do ?

Hi Dazman

I would contact the FOS again, and let them know that you have noticed that they credited this amount to your account, but they have not provided you with any form of breakdown for your records, ask the FOS to to contact them on your behalf to request for this breakdown.
They should be able to do this for you, and also check this as well to make sure nothing is amiss.;)

Good luck.

di3004

MikeysGirl wrote: »

Anyone tried reclaiming PPI from M&S?

Had a reply today saying they dismiss my complaint because PPI has always been itemised and i could've disputed it at any time.
Well, they have a point but why would i have disputed something i didn't know was optional??

Step 2 here i go.....

Hello there,
Good for you for taking the next step, it looks like they are trying to fob you off in hope you will not take this any further, good luck.

Yes there have been many complaints in regards of M&S, when you have time browse through the threads, you will be surprised.

Good luck.

dazman20032003

di3004 wrote: »

Hi Dazman

I would contact the FOS again, and let them know that you have noticed that they credited this amount to your account, but they have not provided you with any form of breakdown for your records, ask the FOS to to contact them on your behalf to request for this breakdown.
They should be able to do this for you, and also check this as well to make sure nothing is amiss.;)

Good luck.

arrr thanks di , not sure that they have added on the compo that the fos make them pay feel they might be trying too fob me off !!!!

di3004

dazman20032003 wrote: »

arrr thanks di , not sure that they have added on the compo that the fos make them pay feel they might be trying too fob me off !!!!

Your welcome hun.;)
Yes I see your point and so will the FOS when you explain to them as well, because really the FOS should actually have a copy of how they worked this out, and would want to make sure that the compo is also refunded to you as the FOS requested. X

dazman20032003

di3004 wrote: »

Your welcome hun.;)
Yes I see your point and so will the FOS when you explain to them as well, because really the FOS should actually have a copy of how they worked this out, and would want to make sure that the compo is also refunded to you as the FOS requested. X

there was a gentleman assigned to my case i preume its him i need to call , so i should just call him tomorrow then ????

Frith

to Amersall,

Yes, they are offering me back only the PPI payments I made and have not even mentioned the loan and knocking the proportion of PPI off that.

They said "Send in your bank statements for 2000 and 2001 and we will try and calculate the PPI paid" (or words to that effect).

I'd like the PPI knocked off the loan too!

Liz

di3004

dazman20032003 wrote: »

there was a gentleman assigned to my case i preume its him i need to call , so i should just call him tomorrow then ????

Yes call him, he should be made aware of everything to date and should look into getting the info required as well.;)

dazman20032003

di3004 wrote: »

Yes call him, he should be made aware of everything to date and should look into getting the info required as well.;)

THANKS DI

your fab x