Mortgage PPI claim?

[Deleted User]

~Brock~ wrote: »

There is an institutional issue within FOS of consumer facing advisers being unable to say anything to the consumer that may give the otherwise correct impression that they haven't got a hope in hell of getting a successful outcome.

This leads to unrealistic expectations of what the likely outcomes will be, and further prolongs an already painfully drawn out process.

I see posts about people with obviously hopeless cases being encouraged to continue by FOS advisers on here all the time. Having said that, I also see FOS adjudicators upholding some surprisingly weak cases too.

dunstonh

When you say "officially" told you do you mean your adjudicator suggested that they will try Pinnacle?
This is the answer I had
"if you are confirming that this is the case then I will set the complaint up against them and we can go from there."

Looks a bit like a hit and hope than an official acceptance of liability.

podium

magpiecottage wrote: »

I will make a couple of points here.

Firstly, I asked Podium why they believed it was missold because they said that it had been but given no grounds on which that assertion was based.

A person can believe that they have been missold but it does not mean they have been any more than a belief that they are the Honey Monster means they really are.

If all you want is people to tell you that you have been treated badly by the nasty bank and you are entitled to lots of money, rather than a fair opinion then may I respectfully suggest that this is not the forum for you.

Unfortunately, FOS does seem to fall into that trap. Other posts on this site indicate that they unfairly falsely raise consumers hopes by sending them off to insurers who have no liability.

There is one technical argument which ought to work against an insurer (but FOS does not yet seem to have recognised).

Finally, if lynda1685 has taken a business to court over her dispute with it, FOS will not get involved.

Hi i have just read your comment about me i actually took advice from another poster on the same thread and set up my own thread and actually was advised very courteously and well and have just received an offer from halifax for misold ppi after 3 days of almost £14000 ,so please next time please always check before putting people off this site as we are all trying to help one another thanks

burty8899

from what i have read nobody was putting you off, unless you detail your reasons for a mis-sell then its difficult to advise you.

also being vague leads to bad advice and dosnt help other people in your situation who could use the same advice

just my opinion..

[Deleted User]

burty8899 wrote: »

from what i have read nobody was putting you off, unless you detail your reasons for a mis-sell then its difficult to advise you.

I think the reception he got for "gatecrashing" the thread rather coloured his opinion of some of the posters here.
Pity really, as the response from Magpiecottage was very even-handed.

burty8899

did get very confusing for a minute there, just sounds like he got confused and when someone questioned him, took it the wrong way! shame really but congrats on your win!

magpiecottage

lynda1685 wrote: »

I sent the F O S 2 very thick A4 files with all the details about my complaint including the Court outcome.
The FOS are fully aware of my Case and have already informed me that my detailed explanation of the Court case would not effect my claim.

FOS say here "We do not allow a conflict, or potential conflict, to arise between our findings and those of a court."

When you say "officially" told you do you mean your adjudicator suggested that they will try Pinnacle?
This is the answer I had
"if you are confirming that this is the case then I will set the complaint up against them and we can go from there."

They cannot do that. The complaint has to first go to the firm concerned. So the most FOS can do is send a letter to Cardif Pinnacle and ask them to respond at this stage.

The likely response will be to the effect that "the policy was not sold by us so it cannot have been missold by us".

Where you might make progress is arguing a breach of the GISC code by accepting business from an intermediary that did not also subscribe to it.

magpiecottage

podium wrote: »

Hi i have just read your comment about me i actually took advice from another poster on the same thread and set up my own thread and actually was advised very courteously and well and have just received an offer from halifax for misold ppi after 3 days of almost £14000 ,so please next time please always check before putting people off this site as we are all trying to help one another thanks

I think you will find that I asked:

magpiecottage wrote: »

Why do you believe it was missold?

So I did attempt to check but your response was:

podium wrote: »

Hi im not asking for someone to advise me for reward im asking as i was misold the ppi im not looking for reward just want back what ive paid out that i should not have , and anyway im only asking what hundreds of others seem to have asked on the site , n:Tot exactly the first reply i expected on my first posting

The reason I asked was that you gave no reason to suppose you had a genuine complaint.

If somebody else guided you then either they had access to information you never provided to me or they guessed and were lucky.

podium

burty8899 wrote: »

from what i have read nobody was putting you off, unless you detail your reasons for a mis-sell then its difficult to advise you.

also being vague leads to bad advice and dosnt help other people in your situation who could use the same advice

just my opinion..

Hi iwas new to the site cut me some slack its not good to accuse someone of not helping others in the same situation, i didnt get a chance to be less vauge or to really answer thanks