Could this be worth chasing **more good news!**

marshallka

kev1111 wrote: »

So its more then likely sounding like i should just accept the claim

If you are really worried that they have ripped you off you could perhaps get them to state to you in a letter that this redress has put you back into the position as if you never had the PPI in the firstplace (like the ombudsman would do) and includes 8% statutory interest too and that if in the future you find out this has not then you would be entitled to make a complaint to FOS. It may make them recalculate it and then put your mind at rest until you get the agreement from them.

kev1111

Cheers mate

More favours, what the best thing to put in writing?

What Di has used above? COuld you add you little bit to it as well :money:

marshallka

kev1111 wrote: »

Cheers mate

More favours, what the best thing to put in writing?

What Di has used above? COuld you add you little bit to it as well :money:

I would put something similar to what I have put above. Maybe Di will add something too. This should then cover you if your find out its any different.

kev1111

Something like, Di anything you want to add

Dear Sir/Madam

5th August 2009

Acc number XXXXXXXX


In regards of your offer on the letter dated XX/XX/XXXX , I feel this is far too low, and as I still believe the Payment Protection Insurance policy was mis sold to me, I stand by my reasons as on my letter sent to you dated XX/XX/XXXX, and would like you to reconsider to refund me the full amount of the PPI, and interest, also the 8% interest of what a court would award.

Can you state in a letter that this redress has put me back into the position as if i'd never had the PPI in the firstplace (and includes 8% statutory interest too. If in the future I find out this has not then I would be entitled to make a complaint to FOS.

However, if you could consider at least a more of a reasonable amount which is as close as possible of the PPI I have paid into the loan account which was settled earlier than expected, I may consider the amount.

If your unable to provide me with the above as requested, I will ask the Financial Ombudsman Service to investigate this matter - to include my evidence and all copies of correspondence in relation to this complaint.

I look forward to hearing from you by 7 days from the date on this letter.

Yours sincerely

Name

marshallka

kev1111 wrote: »

Something like, Di anything you want to add

Dear Sir/Madam

5th August 2009

Acc number XXXXXXXX


In regards of your offer on the letter dated XX/XX/XXXX , I feel this is far too low, and as I still believe the Payment Protection Insurance policy was mis sold to me, I stand by my reasons as on my letter sent to you dated XX/XX/XXXX, and would like you to reconsider to refund me the full amount of the PPI, and interest, also the 8% interest of what a court would award.

Can you state in a letter that this redress has put me back into the position as if i'd never had the PPI in the firstplace (and includes 8% statutory interest too. If in the future I find out this has not then I would be entitled to make a complaint to FOS.

However, if you could consider at least a more of a reasonable amount which is as close as possible of the PPI I have paid into the loan account which was settled earlier than expected, I may consider the amount.

If your unable to provide me with the above as requested, I will ask the Financial Ombudsman Service to investigate this matter - to include my evidence and all copies of correspondence in relation to this complaint.

I look forward to hearing from you by 7 days from the date on this letter.

Yours sincerely

Name

That sounds good to me Kev. I think Di will post up too. She is around I think....

di3004

Brilliant Kev, it looks now you have covered it all, well done.:T:T

Good luck with this and post this by recorded delivery as well.;)

kev1111

One last question, once this is sent, can they retract the original offer and offer me nothing and if they decide te cant give any more can i still claim the origna offer

marshallka

kev1111 wrote: »

One last question, once this is sent, can they retract the original offer and offer me nothing and if they decide te cant give any more can i still claim the origna offer

No Kev, they cannot do that. That would be a complaint for not treating you fairly.

kev1111

Cool so no harm in sending that letter then. Fingers crossed they have a week to reply.

di3004

kev1111 wrote: »

Cool so no harm in sending that letter then. Fingers crossed they have a week to reply.

Everything crossed Kev and I knew Marshallka would give a good opinion as well.:T:T;)