PPI Reclaiming Discussion part 4

di3004 · 8 October 2009 at 5:01PM

One of the emails received here, it was emailed to Hubby:

Dear

Thank you for your email.

I note that you have written to the underwriter. You may wish to await their response before returning the complaint form and relevant documentation. The file about Hamilton Insurers Ltd can then be submitted to the Financial Ombudsman Service in full. We will then be in a position to take the relevant action with the complaint.

Regards

Consumer Consultant
Financial Ombudsman Service

marshallka · 8 October 2009 at 5:03PM

di3004 wrote: »

One of the emails received here, it was emailed to Hubby:

Dear

Thank you for your email.

I note that you have written to the underwriter. You may wish to await their response before returning the complaint form and relevant documentation. The file about Hamilton Insurers Ltd can then be submitted to the Financial Ombudsman Service in full. We will then be in a position to take the relevant action with the complaint.

Regards

Consumer Consultant

Financial Ombudsman Service

Oh I see now. I wondered if they already had the complaint from last time and had not closed it anyway. I think you would have to set up a new one anyway for misselling although not certain. FOS will do their best on it and I bet yours and everyone elses is done and dusted before mine is even looked at. :rolleyes: I feel a bit fed up of it today to tell you the truth.

di3004 · 8 October 2009 at 5:04PM

There is more as well before that on his name, the one above is the one hubby forwarded to me from his email.

That one does not say a lot really, but must give it a shot, if it doesn't work then at least we have tried, time will tell now I suppose.;)

Also waiting for feedback from HFC as well, a general enquiry only though that one.
Have stacks of paperwork with HFC on.

di3004 · 8 October 2009 at 5:08PM

marshallka wrote: »

Oh I see now. I wondered if they already had the complaint from last time and had not closed it anyway. I think you would have to set up a new one anyway for misselling although not certain. FOS will do their best on it and I bet yours and everyone elses is done and dusted before mine is even looked at. :rolleyes: I feel a bit fed up of it today to tell you the truth.

Yes you may be right Marshallka we did give the ref number details on the email we originally sent to FOS.
I think it will be a tricky one again though TBH, and you have been waiting long enough.......:eek:, it should be that they deal with yours now they already have yours there.
I'm not surprised if your fed up, it a very stressful situation to be in, not knowing if your coming or going and what is what with the complaint.

marshallka · 8 October 2009 at 5:10PM

di3004 wrote: »

Yes you may be right Marshallka we did give the ref number details on the email we originally sent to FOS.
I think it will be a tricky one again though TBH, and you have been waiting long enough.......:eek:, it should be that they deal with yours now they already have yours there.
I'm not surprised if your fed up, it a very stressful situation to be in, not knowing if your coming or going and what is what with the complaint.

I will be better tomorrow I think. Just feeling a lit fed up today. I really want an end to it all.

pinknico · 8 October 2009 at 5:16PM

Must be in the air Marshallka, I am fed up today, (((((hugs)))))

di3004 · 8 October 2009 at 5:20PM

((((hugs)))) to you both as well.:A:A

I hate days like that, when you feel like your not getting anywhere, and always back to square one.
Hubby is doing my nut in today as well.......:mad:, can't wait for him to return back to work, he heard from his ex boss today just to update him and there supposed to be a big mass meeting coming up shortly of when the plant will be reopening............."please god may it be soooooon"
And next week hubby has to attend a course as well, but taking it out on me......:mad:

di3004 · 8 October 2009 at 5:21PM

marshallka wrote: »

I will be better tomorrow I think. Just feeling a lit fed up today. I really want an end to it all.

OMG Marshallka,.....:eek: you have a lot to deal with hun and I really feel for you.
Just hope everything goes your way now, its about time you had some luck.

Edited this, was meant to post this earlier. Xxx

MissHennyPenny · 8 October 2009 at 10:03PM

Hi,
I've been reading all the messages on here over the last few nights and I am now ready to start my PPI claims. There is so much good advice on here and loads of experts to hopefully someone can help me.

My first one is with M&S Credit Card. I've had this card since at least 2002 and now I look back on my statements I have been Paying PPI since then. My current balance is around £8,000 and I am currently paying £60 a month - can't believe I have been so stupid and let this carry on so long. At the very least I will cancel and be paying this amount off each month rather than giving it to them!

I can't remember how I applied for the account but I am absolutely certain that if it had been explained to me properly I would definitely have declined it. I have a very secure job and would receive full pay for 12 months in the event of illness, so why would I need PPI?

Sorry if I am asking the same questions as have been answered loads of times on here but do I start with Stage 1 template or SAR?

Hoping someone can help me, I am just starting out on this journey

finatra26 · 8 October 2009 at 10:31PM

Hi Miss Henny Penny - I succesfully reclaimed mis sold PPI for my friend - 2 weeks from start to finish with the template letter but as I had applied for it online on her behalf (she was there I did the typing) I knew I had opted out. Why don't you send the template letter on the reclaiming 1000's tab on this site & ask for a copy of the CCA to see if you agreed to this or not & then take it from there.