northern rock help please......

alfie26

i recieved a final response letter from northern rock today...refusing to return ppi on a loan...they say i applied for this loan on line

i can not remember how i applied....

i just need some advice on where to go from here..

thanks for your help..

di3004

alfie26 wrote: »

i recieved a final response letter from northern rock today...refusing to return ppi on a loan...they say i applied for this loan on line

i can not remember how i applied....

i just need some advice on where to go from here..

thanks for your help..

Hi Alfie

If they mentioned the finanical ombudsman service (FOS) its time to move on to these.


Sorry you had this response from them but its their word against yours sort of thing and the FOS will take a look at both sides here, only to ask did you request a SAR from these hun?;)

di3004

Alfie

Here on this link below you can download the FOS complaints form or you can ring them to request one through the post:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

When you have completed the form, try to get a few photo-copied, send the one to the FOS and enclose a copy of the final response, also send a copy to the finance company, tell them you have now moved your complaint on to the Financial ombudsman service and enclose a copy of the complaint form for their records and interest, sometime they can change their minds, if this is the case while your complaint is within the FOS then let the FOS know, good luck.

Please remind me when did you take finance out with these, what year?;)

alfie26

hi di

i had the loan in april 06...i did not request a sar because i had the loan agreement..

the loan is still active

thanks again di...

di3004

alfie26 wrote: »

hi di

i had the loan in april 06...i did not request a sar because i had the loan agreement..

the loan is still active

thanks again di...

Hi Alfie not a problem.

An SAR may give you more info in how this was sold to you, its entirely up to you if you want to request this, some of my SAR's helped then others did not.

If you need any more help, let us know and fingers crossed.;)

alfie26

hi di

n r sent the loan agreement and the policy document with there response today but i can not find anywhere on these documents where it says the ppi was optional ..

not even in the box, where it says sign for the insurance ,, i just think if i applied for this loan online and ticked the box for ppi ..the optional nature of the ppi was never mentioned again .

i think this is wrong

what do you think di...

di3004

alfie26 wrote: »

hi di

n r sent the loan agreement and the policy document with there response today but i can not find anywhere on these documents where it says the ppi was optional ..

not even in the box, where it says sign for the insurance ,, i just think if i applied for this loan online and ticked the box for ppi ..the optional nature of the ppi was never mentioned again .

i think this is wrong

what do you think di...

Hi Alfie, give me a few mins and I am going to send you a private message.

There maybe something up in that and I may know the person who can check this over for you if required.

Keep a check on your PM box, cheers. X;)

alfie26

thanks di for the pm
i will email peter after..

just to say its not all bab news ,,,i

i asked n r for ppi on two loans ..one was what you are helping me with today but the other one ..n r have agreed with my claim for missold ppi and are refunding £1600 so it has been a good day....:j :j :j

i dont want to sound greedy di ,,but same company .. same ppi..

the loan i applied for over the phone ...ppi refunded

the loan i applied for on line ppi was not missold:eek: :eek: :eek:

it just gets on my nerves
thanks for your help today di

di3004

alfie26 wrote: »

thanks di for the pm
i will email peter after..

just to say its not all bab news ,,,i

i asked n r for ppi on two loans ..one was what you are helping me with today but the other one ..n r have agreed with my claim for missold ppi and are refunding £1600 so it has been a good day....:j :j :j

i dont want to sound greedy di ,,but same company .. same ppi..

the loan i applied for over the phone ...ppi refunded

the loan i applied for on line ppi was not missold:eek: :eek: :eek:

it just gets on my nerves
thanks for your help today di

Wow Alfie this is great news on the refund :T :beer: , Congratulations, when you have a few mins, please also post your success on the success thread shown above.;)

I look forward to hearing from you later then hun, well done you.:beer: :A

Hey hun your not greedy, this is YOUR money and it belongs in your pocket XX

Di
XX