Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

busbyh

marshallka wrote: »

I have them in my FP sar too. You can complain but I doubt that it will do anything only get you a letter of apology and nothing in "monetary" value.

It would not be the monetary value that would concern me here. The staff member needs to be taken to task for the sarcastic comments made in the margin:mad::mad:

marshallka

di3004 wrote: »

This is the only SAR we do have that show bad comments and yes your probably right many probably do have these bad comments.

I do not even want an apology from them, its just how I felt at the time of reading them.....very childish indeed!
The comments were actually made by the compliants Dept, names were even left.

I had my youngest home from school once ill and told them when they rang, this was before the loan advance apparently that I had not time to deal with the matter that day because I was dealing with some issues in regards of my son, it was a stupid comment like "why wasn't he in school"?? What is this to do with them anyway?
And of course that comment "arh so now they realise they cannot afford the repayments is it hahaha".......!!!
There were lots of other things but worse.

Well going by the other comments on here maybe I am too thick skinned. I just feel that this country is already too politically correct and soon we will all be talking from what the book allows us to. I realise that these comments were unkind to you and hurt your feelings and if they have to this point and you feel it enough to complain then you must do as you feel is right.

marshallka

busbyh wrote: »

It would not be the monetary value that would concern me here. The staff member needs to be taken to task for the sarcastic comments made in the margin:mad::mad:

So its a written apology then. I still think they would most probably be call centre staff and most probably left as they do not last long in call centres. I realise I am probably different here in that there are far worse things happen in life and sometimes you have to just take it on the chin. I don't mean to offend anyone on here but "just my view".

I look back on my posts on here about firms that I have slagged and I also am guilty of saying "things out of turn". I would not want the same happen to me. :eek:

di3004

marshallka wrote: »

Well going by the other comments on here maybe I am too thick skinned. I just feel that this country is already too politically correct and soon we will all be talking from what the book allows us to. I realise that these comments were unkind to you and hurt your feelings and if they have to this point and you feel it enough to complain then you must do as you feel is right.

I don't think I will bother to complain myself on this but others may if this happened to them as well, I really don't want to be wasting any more time on them to be honest, those comments posted on here are practically mild compared to some of them.
I understand they were probably angry at us complaining, but we were only doing what people do when mis sold.
I have been tempted every time I go back to look at the SAR, my sister Carol was livid when she seen them......:mad:, she said they could have kept their thoughts to themselves.
She was going to take this further before but I told her to forget it.
She said they are supposed to be the professionals here - not us!

busbyh

marshallka wrote: »

Well going by the other comments on here maybe I am too thick skinned. I just feel that this country is already too politically correct and soon we will all be talking from what the book allows us to. I realise that these comments were unkind to you and hurt your feelings and if they have to this point and you feel it enough to complain then you must do as you feel is right.

Hi marshallka, I do understand what you are saying. I just feel he/she should be made to realise and be a liitle more sensitive to others' problems. It could be they are quite young and are still learning, so to speak, but should be made to realise.

Also as for the claim, I personally don't think my daughter will take it any further, as at the end of the day she has used that loan to consolidate the existing loans she had. With a little over for themselves

I really believe,had they realised how much a rip off the PPI was, maybe they would not have signed up for the Insurance, but being honest they would still have signed up for the loan without the PPI-. They needed the money!!!!

marshallka

di3004 wrote: »

I don't think I will bother to complain myself on this but others may if this happened to them as well, I really don't want to be wasting any more time on them to be honest, those comments posted on here are practically mild compared to some of them.
I understand they were probably angry at us complaining, but we were only doing what people do when mis sold.
I have been tempted every time I go back to look at the SAR, my sister Carol was livid when she seen them......:mad:, she said they could have kept their thoughts to themselves.
She was going to take this further before but I told her to forget it.
She said they are supposed to be the professionals here - not us!

I know they are supposed to be professionals but human decency tells us not to make unkind comments and not professionalism. I don't think it matters if you are professional or not, if you hurt someone its the same. I would listen to others on here Di if you feel the need to complain. I am just "Me" and cannot help it and must say I am not politically correct at all...:o. I have had to take a lot of comments on the chin and rise above them. There was a time when I was close to severe illness cause of "comments" but they were all from complete strangers and comments from strangers don't matter. Its just ignorance. Again, just my view and please accept my apologies if I have offended you in any way.;)

di3004

marshallka wrote: »

I know they are supposed to be professionals but human decency tells us not to make unkind comments and not professionalism. I don't think it matters if you are professional or not, if you hurt someone its the same. I would listen to others on here Di if you feel the need to complain. I am just "Me" and cannot help it and must say I am not politically correct at all...:o. I have had to take a lot of comments on the chin and rise above them. There was a time when I was close to severe illness cause of "comments" but they were all from complete strangers and comments from strangers don't matter. Its just ignorance. Again, just my view and please accept my apologies if I have offended you in any way.;)

Oh golly no Marshallka, you have not offended me at all hun :eek:, you have a right to your opinion as well, so do not worry.;)
So please do not apologise, no need.;)

As soon as we have Twopart done with I am closing the books totally on Nemo and forget them.
I had to contact them today and was totally nervous as hell, but got there in the end.

marshallka

busbyh wrote: »

Hi marshallka, I do understand what you are saying. I just feel he/she should be made to realise and be
FSCS is making payment to you based on the information provided to us. Please note if you bank the cheque you are accepting payment in full and final settlement of your claim for compensation from FSCS and in discharge of FSCS's obligation to you. You will also transfer to SCS your rights against the firm and third parties.a liitle more sensitive to others' problems. It could be they are quite young and are still learning, so to speak, but should be made to realise.

Also as for the claim, I personally don't think my daughter will take it any further, as at the end of the day she has used that loan to consolidate the existing loans she had. With a little over for
FSCS is making payment to you based on the information provided to us. Please note if you bank the cheque you are accepting payment in full and final settlement of your claim for compensation from FSCS and in discharge of FSCS's obligation to you. You will also transfer to SCS your rights against the firm and third parties.themselves

I really believe,had they realised how much a rip off the PPI was, maybe they would not have signed up for the Insurance, but being honest they would still have signed up for the loan without the PPI-. They needed the money!!!!

I have a similar thing with Firstplus now and am in two minds what to do. I am not into this loan reclaiming back cause of little flaws in agreements, in fact quite against it (but just my view) BUT my loan with FP i think was not within our actual capability to repay according to my SAR and I have reason to believe that it was done with made up wages and wage address. We have the application and the wage slips we gave to them and also the P60's too BUT on the SAR is a made up address for my hubby as his address of employment and we have google earthed it and its a terraced house far away from us. There is also a time when I wanted to try to settle with them and they state what my hubby was earning and it was near on double what he was and I argue this with them. It then goes blank and I remember they changed it back again. THIS WAS NOT US though as we have proof of giving all the correct details on the application form. I think we did not earn enough to have this loan and PPI and figures were made up. Have not decided what to do with it yet as they could say they got things mixed up. May go to Citizens advice and see what they say. I think we were set up to fail as they say.:mad:

honey2_2

Hi Folks

The line on the letter is in relation to the PPI because that is what the compensation claim was about it was not about the actual loan - what it means is that if you bank the cheque you agree with the decision the FSCS has made and the amount of compensation paid for the bad advice - by accepting the cheque you then cannot i.e go to a 3rd party and make a claim for being miss sold or being given bad advice re PPI.

Honey 2 x

busbyh

marshallka wrote: »

I know they are supposed to be professionals but human decency tells us not to make unkind comments and not professionalism. I don't think it matters if you are professional or not, if you hurt someone its the same. I would listen to others on here Di if you feel the need to complain. I am just "Me" and cannot help it and must say I am not politically correct at all...:o. I have had to take a lot of comments on the chin and rise above them. There was a time when I was close to severe illness cause of "comments" but they were all from complete strangers and comments from strangers don't matter. Its just ignorance. Again, just my view and please accept my apologies if I have offended you in any way.;)

Marhallka I don't think you have offended anybody here, you and all of us are just expressing opinions. I do think things "happen" in one's life that makes other things pale into insignificance.
We have all been posting on here long enough to know it's ok to say what we think, without causing any offence;)


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