PPI Reclaiming Discussion part 4

mollymoo96

Alliance and Leicster loan

I was looking through some old statments today and found the account number of an old A + L Loan I was still paying it in 99 . The only problem is I have no paper work apart from the account number and cannot remember when we took it out. It did have ppi on it though and it will have been mis sold because my parter had a pre excisting med and I had work cover . Is this worth persuing and will I need to get the sar first with not Knowing the start date . Any help would be great . Also found one fro paragon finance anyone heard of them

Thnaks

di3004

paulthedude34 wrote: »

hi all after claiming for ppi against 3 loans tsb have admitted fault on 1 for 3 grand loan offered me 668 refund on the other 2 loans 1 for 5100 other 4000 grand they not admitted fault but have offerd 169 and 226 have rejected the lower 2 ammounts an have sent my complaint to the fos have accepted the 668 offer has any had this type of offers made before can any 1 advise cheers Paul

Hi Paul

Was this the final offer from Lloyds TSB?

di3004

mollymoo96 wrote: »

Alliance and Leicster loan

I was looking through some old statments today and found the account number of an old A + L Loan I was still paying it in 99 . The only problem is I have no paper work apart from the account number and cannot remember when we took it out. It did have ppi on it though and it will have been mis sold because my parter had a pre excisting med and I had work cover . Is this worth persuing and will I need to get the sar first with not Knowing the start date . Any help would be great . Also found one fro paragon finance anyone heard of them

Thnaks

Hi there,

As long as you still have the account numbers that is fine.
They may however send you the copy of the agreement back with their response.

Hope this helps - good luck to you.;)

wutus

marshallka wrote: »

This is from the FSA register here about Welcome Finance
http://www.fsa.gov.uk/register/firmBasicDetails.do?sid=117751


Phone: 44 0115 984 9200
44 0115 984 9302
Fax:
Email markwalder @ cattles .co.uk

Website: wwww.cattles.co.uk

(of course with no spaces between it for the email addy)

Thanks Marshallka, keep you posted.

Markee

marshallka wrote: »

From what I have read they can close accounts and sometimes do but often they can justify with other reasons too other than just for complaining. If it happened to someone and they feel it was retaliatory action then you are free to make a complaint to FOS or the FSA. If you have a read here

--> http://www.consumerwiki.co.uk/index.php/Account_Closures:_What_to_do.

It gives some good advice. I don't know of anyone on here that has had their bank accounts closed though just for complaining. There are always "other" reasons.

Thanks for your message, but there is no text within the site from the link above, has it been moved, do you know?

marshallka

Markee wrote: »

Thanks for your message, but there is no text within the site from the link above, has it been moved, do you know?

Hi, don't understand that but its here too




http://www.consumerwiki.co.uk/index.php/Account_Closures:_What_to_do.#What_to_do_if_your_bank_closes_your_account





Hope it helps.

paulthedude34

di3004 wrote: »

Hi Paul

Was this the final offer from Lloyds TSB?

This wos there 1st offer from lloyds tsb

triticale

Hi all,

Further to my claim letter sent to AA Loans on the 5th (based on the fact that I hadn't ticked the box for PPI but it was still applied!) I received a (somewhat soggy!) holding response from Bank of Scotland this morning: :T

Bank of Scotland
Customer Relations

Dear triticale

Thank you for your recent letter.

I am sorry to hear of your concerns regarding the insurance applied to your loan.

We are keen to deal with your concerns as quickly as possible, however our investigation may take some time. The Financial Services Authority allows us up to eight weeks to investigate complaints and it is our intention to deal with your concerns within this timescale and provide updates when appropriate.
Please find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

Yours sincerely

Customer Relations Officer

So I guess I am dealing direct with BoS from now on? Does their letter seem promising based on what others first receive?

Thanks

goaliesmum

triticale wrote: »

Hi all,

Further to my claim letter sent to AA Loans on the 5th (based on the fact that I hadn't ticked the box for PPI but it was still applied!) I received a (somewhat soggy!) holding response from Bank of Scotland this morning: :T

Bank of Scotland
Customer Relations

Dear triticale

Thank you for your recent letter.

I am sorry to hear of your concerns regarding the insurance applied to your loan.

We are keen to deal with your concerns as quickly as possible, however our investigation may take some time. The Financial Services Authority allows us up to eight weeks to investigate complaints and it is our intention to deal with your concerns within this timescale and provide updates when appropriate.
Please find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

Yours sincerely

Customer Relations Officer

So I guess I am dealing direct with BoS from now on? Does their letter seem promising based on what others first receive?

Thanks

Hi Triticale

Yes this seems normal.

My BOS claim:

Letter sent special delivery 24 Sept, reply received dated 29 Sept

Briefly
Just an acknowledgemnt of my concerns regarding insurance applied to loan. Keen to deal with as quickly as poss, investigation may take some time, their intention to deal with within the 8wk timescale and provide updates when appropriate.

Letter received Sat 14/11 from BOS Dunfermline accepting claim and refund will be made within the month.:j

Good luck with your claim.:T

shooby1

I am proper fed up:( i originally sent my claim of for 2 loans(one was used to pay off other) to the RBS in may this year one was dealt with within the 8 weeks and went off to FOS the other trailed behind by 4 weeks so i sent that to the fos then and it was linked with the original using the same ref number. Well heard from rbs that the latter one was never actioned by the FOS and was closed by RBS even though the FOS are saying they have linked them:huh: i have been phoning the ombudsman now on and off for 2 weeks and they are saying they are pulling the file and they will ring me back but never do:mad: i rang on wed last week they told me someone will defo ring me back before fri and no phone call so rang this morning and still nothing has been done.
I am worried cos come end of dec it will be at the 6 month stage and i am frightened the Rbs will cancel my claim.


Rant over thanks for listening:D