PPI Reclaiming Discussion part 4

marshallka

Seems like FOS are in lots of "talks" with "lots" of firms.:rolleyes:

I think its surely time for action now.

Sorry to those that are waiting.

ajausten

Hi everyone in Jan 09 after First Trust Bank (AIB) had rejected my ppi claim i passed the case to the ombudsman. Waited months for the file to be assessed by adjudicator. In Oct 09 received letter from adjudicator stating that my claim had been upheld and the fos ruled the ppi had been mis-sold. They contacted First Trust to advise they refunded ppi charges and £200 compensation. At the beginning of Nov. i was informed that as First Trust had simply not responded to the FOS the claim was being passed to an ombudsman who would reassess the file and may not agree with the adjudicator. I was also informed that this may take considerable time given the high volume of complaints.....

Is it just me or is this totally unfair!!! The banks again are stalling and failing to co-operate whilst the ordinary folk are treated with complete contempt and apathy!

Does anyone know how long I may have to wait for an ombudsman to reassess the case or if First Trust Bank will be penalised for failing to co-operate- if not it would seem the banks are being granted freedom to prolong this whole process by simply ignoring anything that does not go in their favour!

Sorry for the rant but so annoyed!!!:mad:

di3004

ajausten wrote: »

Hi everyone in Jan 09 after First Trust Bank (AIB) had rejected my ppi claim i passed the case to the ombudsman. Waited months for the file to be assessed by adjudicator. In Oct 09 received letter from adjudicator stating that my claim had been upheld and the fos ruled the ppi had been mis-sold. They contacted First Trust to advise they refunded ppi charges and £200 compensation. At the beginning of Nov. i was informed that as First Trust had simply not responded to the FOS the claim was being passed to an ombudsman who would reassess the file and may not agree with the adjudicator. I was also informed that this may take considerable time given the high volume of complaints.....

Is it just me or is this totally unfair!!! The banks again are stalling and failing to co-operate whilst the ordinary folk are treated with complete contempt and apathy!

Does anyone know how long I may have to wait for an ombudsman to reassess the case or if First Trust Bank will be penalised for failing to co-operate- if not it would seem the banks are being granted freedom to prolong this whole process by simply ignoring anything that does not go in their favour!

Sorry for the rant but so annoyed!!!:mad:

Hi there
This have actually happened to me twice, well one of them was actually my hubby's.

The first one that was resolved taken 14 months in total that was including this being passed on to the ombudsman, however it was rather complexed, and nothing to do with the case being ignored by the loan company.
The 2nd one (hubbys) was passed on to the ombudsman after his was ignored by the adjudicator.
Cannot remember exactly the proper times on this but something like 2008 this went in and last week he was successful with the ombudsman decision as well.

I think they will try to get through as many as possible before xmas, but do contact them for updates say every 2 weeks.

I know its not fair, and just as you feel like everything had originally gone your way with the adjudicators decision as well, its very frustrating I know.

Good luck hun, please keep us posted and hope you hear very soon with again a good result.;)

cot1198

ajausten wrote: »

Hi everyone in Jan 09 after First Trust Bank (AIB) had rejected my ppi claim i passed the case to the ombudsman. Waited months for the file to be assessed by adjudicator. In Oct 09 received letter from adjudicator stating that my claim had been upheld and the fos ruled the ppi had been mis-sold. They contacted First Trust to advise they refunded ppi charges and £200 compensation. At the beginning of Nov. i was informed that as First Trust had simply not responded to the FOS the claim was being passed to an ombudsman who would reassess the file and may not agree with the adjudicator. I was also informed that this may take considerable time given the high volume of complaints.....

Is it just me or is this totally unfair!!! The banks again are stalling and failing to co-operate whilst the ordinary folk are treated with complete contempt and apathy!

Does anyone know how long I may have to wait for an ombudsman to reassess the case or if First Trust Bank will be penalised for failing to co-operate- if not it would seem the banks are being granted freedom to prolong this whole process by simply ignoring anything that does not go in their favour!

Sorry for the rant but so annoyed!!!:mad:

My case has been with the FOS since October 08 and still has not been passed on to an adjudicator, I know how you feel.

Jackswan_2

marshallka wrote: »

Seems like FOS are in lots of "talks" with "lots" of firms.:rolleyes:

I think its surely time for action now.

Sorry to those that are waiting.

I made my initial claim against Lloyds TSB in February 2007. I had my credit card with Scottish Widows originally. During a clearout of old papers I came across a copy of my original application for a credit card with SW, it shows quite clearly that I had not ticked the box for PPI. I thought that this would be a straightforward claim and prompt repayment. How wrong I have been. My original paperwork to the FOS in July 2007 somehow became mislaid probaly due to the high volume of complaints. I contacted the FOS again in August 2009, two days ago after I had e-mailed the FOS, I had an e-mail reply:

The Financial Ombudsman Service are currently in high level discussions with Lloyds TSB regarding a number of Payment Protection insurance complaints like yours.
The discussions are between the Lead Ombudsman and the Chief Executive of Lloyds Banking Group. We are unable to progress these cases whilst these discussions are ongoing but as soon as they have reached a conclusion we will be in contact with you.

I did reply stating that my complaint was that PPI had been taken from my account since July 1998 when the box for accepting PPI had not been ticked on my application form to Scottish Widows.

Jackswan_2

Gerald_The_Frog wrote: »

Hi all!
Hope all is well with everybody??:j
I have been informed that my 5 cases against barclays are on hold, due to high level talks between barclays & the FOS...:mad:
Has anybody been in this situation yet with barclays, or any other bank? Do you know how long this is likely to last for?

My cases have been with the FOS since September 08 :eek:

Thanks alot in advance for any advice

The Frog

Before reverting to the FOS re my complaint agianst Barclays, I wrote to them inviting them to review my original complaint made in March 2007 which they had rejected even though I am self-employed. My letter was based on the OFT requesting the re-opening of 185,000 rejected complaints. I received a questionnaire from Barclays the gist of which was;
What is the reason for your complaint.
Point of Sale details, how did you purchase PPI.
Were you informed of the 30 day cancellation rights
What were you told during the sale
DOB/Occupation at time of sale/Receiving benefits/existing medical conditions within the previous 12 months/similar cover exist elsewhere/any pertinent facts why you should not have taken the cover/has a successful claim been made/has a claim been declined/is the policy in force or cancelled/if cancelled some time ago, why have you only now brought this to our attention.

My application back in 1998 was by completing an application form and posting it back to Barclays, I had no further communication from them until I received my credit card. I had received a copy of my original application form and I had reason to make comment about the ticks in the
various boxes which were very different to the straight line mark made against the PPI question. I had suggested in March 2006 that I did not recollect ever agreeing to PPI.

My interpretation of the questionnaire is that it is another delaying tactic by Barclaycard, however, it might be a step forward in the right direction.

triticale

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

Second holding letter received this morning dated 3rd Dec (first one was dated 12th Nov).

Still investigating and promise me full response by 6th January - the response had better be 'sorry, here's your money back'. :rotfl:

I'm quietly optimistic. :beer:

tiggrae

Jackswan wrote: »

Before reverting to the FOS re my complaint agianst Barclays, I wrote to them inviting them to review my original complaint made in March 2007 which they had rejected even though I am self-employed. My letter was based on the OFT requesting the re-opening of 185,000 rejected complaints. I received a questionnaire from Barclays the gist of which was;
What is the reason for your complaint.
Point of Sale details, how did you purchase PPI.
Were you informed of the 30 day cancellation rights
What were you told during the sale
DOB/Occupation at time of sale/Receiving benefits/existing medical conditions within the previous 12 months/similar cover exist elsewhere/any pertinent facts why you should not have taken the cover/has a successful claim been made/has a claim been declined/is the policy in force or cancelled/if cancelled some time ago, why have you only now brought this to our attention.

My application back in 1998 was by completing an application form and posting it back to Barclays, I had no further communication from them until I received my credit card. I had received a copy of my original application form and I had reason to make comment about the ticks in the
various boxes which were very different to the straight line mark made against the PPI question. I had suggested in March 2006 that I did not recollect ever agreeing to PPI.

My interpretation of the questionnaire is that it is another delaying tactic by Barclaycard, however, it might be a step forward in the right direction.

you may be right but unfortunately they will not do anything further with your complaint until they receive a completed questionnaire and you cn't take your complaint to the FOS as barclaycard won't issue a final response until they receive it - it's actually quite sneaky !!

Jackswan_2

Jackswan wrote: »

I made my initial claim against Lloyds TSB in February 2007. I had my credit card with Scottish Widows originally. During a clearout of old papers I came across a copy of my original application for a credit card with SW, it shows quite clearly that I had not ticked the box for PPI. I thought that this would be a straightforward claim and prompt repayment. How wrong I have been. My original paperwork to the FOS in July 2007 somehow became mislaid probaly due to the high volume of complaints. I contacted the FOS again in August 2009, two days ago after I had e-mailed the FOS, I had an e-mail reply:

The Financial Ombudsman Service are currently in high level discussions with Lloyds TSB regarding a number of Payment Protection insurance complaints like yours.
The discussions are between the Lead Ombudsman and the Chief Executive of Lloyds Banking Group. We are unable to progress these cases whilst these discussions are ongoing but as soon as they have reached a conclusion we will be in contact with you.

I did reply stating that my complaint was that PPI had been taken from my account since July 1998 when the box for accepting PPI had not been ticked on my application form to Scottish Widows.

I have just received another e-mail from the FOS which reads as follows:

Dear Mr

Thank you for your letter received on the 2nd December 2009 (should have read e-mail).
Your complaint file is currently in the casework support team waiting to be passed to an adjudicator. Unfortunately, we are unable to give a timescale as, in fairness to all our customers, complaints are progressed in order according to the date they arrive in the casework support team. We do not progress complaints out of turn unless there is a compelling reason to do so.
I can assure you that your complaint is progressing here at the FOS and we have obtained the file of papers from Lloyds TSB plc in order to complete your case file.
I apologise for the delay in assessing your complaint, however, we will keep you informed of progress. Once your complaint is passed to an adjudicator, they will contact you directly.
Yours sincerely,

This response might give the impression that the high level talks have made progress ?

cot1198

Jackswan wrote: »

I have just received another e-mail from the FOS which reads as follows:

Dear Mr

Thank you for your letter received on the 2nd December 2009 (should have read e-mail).
Your complaint file is currently in the casework support team waiting to be passed to an adjudicator. Unfortunately, we are unable to give a timescale as, in fairness to all our customers, complaints are progressed in order according to the date they arrive in the casework support team. We do not progress complaints out of turn unless there is a compelling reason to do so.
I can assure you that your complaint is progressing here at the FOS and we have obtained the file of papers from Lloyds TSB plc in order to complete your case file.
I apologise for the delay in assessing your complaint, however, we will keep you informed of progress. Once your complaint is passed to an adjudicator, they will contact you directly.
Yours sincerely,

This response might give the impression that the high level talks have made progress ?

I got the same letter as that seven months ago!
I think it says letter when it should say email because it's a standard reply