PPI Reclaiming Discussion part 4

di3004

BGJAM wrote: »

hi we have had two accounts with black horse we have successfully claimed against one account for mis-selling just waiting for cheque. we have received a letter from them regarding second account stating that because its pre 2005 we cant take it to ombudsmen so tough basically they have actually enclosed a demands and needs questionaire and statement which is actually for another customer. not sure what to do now? anyone help? thanks!

Not sure whether to send second letter but obviously cant put refering to ombudsmen if no success with them it took the second stage letter on the other account before we got results

Hi there

I would personally ask the ombudsman anyway, because some have resubmitted thier to the FOS on claims prior to Jan 2005, ring them and see what they have to say, good luck.
http://www.financial-ombudsman.org.uk/contact/index.html

showergirl

di3004 wrote: »

Hi Showergirl, how annoying!
Did the adjudicator mention anything about this being passed on to the ombudsman?
Or are they giving extra time?

It has not been passed to an adjudicator yet

gil8967

Thanks for that Di3004,:A

You have been so helpful to me. So far I have put in my claim to Clydesdale Bank for my Credit Card & I also have a claim into Direct Line for a loan with ppi. So I may as well get on with reclaiming ppi for 2 Clydesdale loans. Many Thanks to all who are helping.;) Very Much Appreciated!!:A Gill

skintmumofone

hey I have just received a letter from the FOS re my complaint about the Abbey charges - they say they cannot help me as they believe the bank is not at fault? ARGH! Where do I go from here?

I received my bank statement and phoned the Abbey 2 wks before the so-called charges were due to hit my account to be told they wouldnt do anything until they actually are in my account? Eh? I dont really know what else I can do?

di3004

showergirl wrote: »

It has not been passed to an adjudicator yet

Oops sorry Showergirl, my mistake.......:o.
Hope Nassie hears soon though, fingers crossed. X;)

di3004

gil8967 wrote: »

Thanks for that Di3004,:A

You have been so helpful to me. So far I have put in my claim to Clydesdale Bank for my Credit Card & I also have a claim into Direct Line for a loan with ppi. So I may as well get on with reclaiming ppi for 2 Clydesdale loans. Many Thanks to all who are helping.;) Very Much Appreciated!!:A Gill

Yep that's it :T:T, you got it in one.:T:T
And your welcome, keep us posted and hope its a good outcome on all.;)

Di
XX

di3004

skintmumofone wrote: »

hey I have just received a letter from the FOS re my complaint about the Abbey charges - they say they cannot help me as they believe the bank is not at fault? ARGH! Where do I go from here?

I received my bank statement and phoned the Abbey 2 wks before the so-called charges were due to hit my account to be told they wouldnt do anything until they actually are in my account? Eh? I dont really know what else I can do?

Hi hun
So sorry to hear this.
I think you could ask them to reconsider or if they can pass this on to another adjudicator for another opinion, hopefully someone else can clarify this.
So annoying the bank is getting away with it......:mad:

Did you tell the FOS about the update in regards of Abbey?

gil8967

Just wondering if I can say in my letter anything about a Single Premium Policy? A lump sum loan for ppi was added to my loan and then interest on top. Could anyone advise? Thanks, Gill

skintmumofone

di3004 wrote: »

Hi hun
So sorry to hear this.
I think you could ask them to reconsider or if they can pass this on to another adjudicator for another opinion, hopefully someone else can clarify this.
So annoying the bank is getting away with it......:mad:

Did you tell the FOS about the update in regards of Abbey?

eh no what update?

melorablack

gil8967 wrote: »

Just wondering if I can say in my letter anything about a Single Premium Policy? A lump sum loan for ppi was added to my loan and then interest on top. Could anyone advise? Thanks, Gill

Of course you can add it, if you think it was mis sold for any reason then put it in, there's no harm in it