PPI Reclaiming Discussion part 4

di3004

Good one for continuing with this Lucieloo:T keep at them, and good luck.;)

mystfied_tigger

Hi tiggrae - we took the loan out in April 2006 and it ws for 204 months. They have not made any reference to my monthly repayments in the letter I received.

lucieloo

tiggrae wrote: »

no it's something you would have to make a complaint about

thanks. to fp? how do i do that/ sorry to keep bothering you.

tiggrae

mystfied_tigger wrote: »

Hi tiggrae - we took the loan out in April 2006 and it ws for 204 months. They have not made any reference to my monthly repayments in the letter I received.

by my calculations you've paid it over 44 months - 44 x 150 = £6626.84 so they're not even paying you back what you've paid - you need to get back onto them and tell them you want every penny back + 8% statutory interest and the loan to be reduced by £150.61 for the remainder of the loan period - they're trying it on !!!

tiggrae

lucieloo wrote: »

thanks. to fp? how do i do that/ sorry to keep bothering you.

no to the underwriters which is lloyds of london - claiming an unfair contract term under the Unfair consumer contract terms regs 1999

mystfied_tigger

thank you, I will write to them again tomorrow and put in the bit about taking to FOS if I am not satisfied with their response.

I'll report back!

marshallka

mystfied_tigger wrote: »

Hi marshallka

I will write back to Central Finance as you suggest to say that I am not satisfied with their offer and that I am going to take it to FOS, but should I wait to hear back from Capital Finance or write to FOS at the same time?

Sorry for all the questions, this whole thing feels like a bit of a nightmare to try to work your way through!:o

It is your decision though but just my view on what i would do. Entirely up to you though.

Good luck

marshallka

tiggrae wrote: »

all you've got to lose is the price of the stamp - even if the fos can't look at the first loan you could still claim for a low rebate when you redeemed your loan early - this is with the underwriters for an unfair contract term

Or maybe the underwriter for the misselling. I know that FOS are actually accepting complaints against underwriters for misselling as some have posted on here.;)

lucieloo

marshallka wrote: »

Or maybe the underwriter for the misselling. I know that FOS are actually accepting complaints against underwriters for misselling as some have posted on here.;)

ok thanks. how do i find out who the undrewriters are? how do i try and claim off them? would you wait for fp response first though/

tiggrae

tiggrae wrote: »

no to the underwriters which is lloyds of london - claiming an unfair contract term under the Unfair consumer contract terms regs 1999

it'll be on your policy doc but I think it'll be lloyds of london