FSCS - Compensation

pinknico

Can you tell I am clutching at straws ??!!

busbyh

di3004 wrote: »

Mine and hubbys is not going to be a great amount, because when we had the loan advance, there was quite a substantial amount rebated into the 2nd loan.
Marshallka worked mine out some time ago.

And the 2nd loan ppi was resolved with the FOS over a year ago, where they then said on the 2st loan to pursue through the broker, then the broker had not long went into liquidation when we tried.

But every penny counts.

They the broker completed in the application in over th form and ticked for PPI, this was sorted out over the telephone, yet when we received the form to sign through the post, we questioned about the PPI, did we have to take it, and they said it was all part of the loan, or we would not get a loan.

(of course we learnt more of the ppi mis selling later on).

Hubby has a back complaint from an accident prior to that and again we both had to sign, me not working but he was, although he just returned to work from being off with his back.

The annoying thing about this is that when we tried requesting for a SAR, it was too late, they could not provide one, and the telephone recordings would have come in handy as well, but do not have them for this loan, only the loan advance.

I think our recordings would have helped ours, yet the FOS did state when they resolved the 2nd loan advance ppi that they could not sort the 1st one as we had to pursue through the broker first, but they did not know then they went into liquidation, but clarified it was more or less mis sold as well.

Did also send a copy of the paperwork to FSCS.

Hope it will help our case, as we not much more to give them, to what we already given in what we did have.

hi di
Complicated isn't it. But by what you say you have a very strong case, for one, them telling you, you had to take the PPI. As you say the FOS have more or less said it was missold so sounds like you will be ok
Good luck

busbyh

pinknico wrote: »

Can you tell I am clutching at straws ??!!

Pinknico, you are not on your own here, we all are (full of theories)
You just start to doubt everything you have done with regards to claim and hope the end result is GOOD;)
Don't know were we would be without this site though, to air all our thoughts and it's the only way we get any real feedback
xx

di3004

busbyh wrote: »

hi di
Complicated isn't it. But by what you say you have a very strong case, for one, them telling you, yop had to take the PPI. As you say the FOS have more or less said it was missold so sounds like you will be ok
Good luck

Thank you hunni.;)

I just wish I had the recordings to back this up, because the form will look like we willingly signed for it....., have not got a great deal of evidence really, unless they can get hold of it, as we can't, but hopefully if they read into the FOS wordings on the 2nd one what they resolved they will realise on this first one.

Fingers crossed
And fingers crossed to everyone.:beer:

busbyh

Di
we appear to have swapped threads now, we are on this one more than the Picture one, it's a pity all the posts are not on the Picture thread, makes it a lot easier than switching all the time in case we miss anything,
Prefer them to be just on one rather than having to post the same info(if its important) on both!!
Also it there are any other claimers out there, they will probably just look at the Picture in Default thread and not this one as it would be easy to miss the FSCS compo one as it is quite a way down on the list. Or is is just me that finds it awkward

di3004

busbyh wrote: »

Di
we appear to have swapped threads now, we are on this one more than the Picture one, it's a pity all the posts are not on the Picture thread, makes it a lot easier than switching all the time in case we miss anything,
Prefer them to be just on one rather than having to post the same info(if its important) on both!!
Also it there are any other claimers out there, they will probably just look at the Picture in Default thread and not this one.

Yes I agree.:T;)X

With mine being with Twopart (FSCS), you do have a good point, unless the heading is changed by MSE Wendy to FSCS claims (without the names of companies perhaps).
I think Wendy would have to change this now though. X

di3004

Do you think it would be best then just to put all this together?

I have sent MSE Wendy a PM to see what can be done on this, just so that we are not back and forth from one to the other FSCS thread.

Hope that is okay by you folks?;)

pinknico

Thanks Di, will now just post on other thread. xx

di3004

pinknico wrote: »

Thanks Di, will now just post on other thread. xx

Not a problem Pinknico hunni.;)Xx

busbyh

di3004 wrote: »

Yes I agree.:T;)X

With mine being with Twopart (FSCS), you do have a good point, unless the heading is changed by MSE Wendy to FSCS claims (without the names of companies perhaps).
I think Wendy would have to change this now though. X

Hope you don't mind me suggesting it, just don't want miss any posts

xx