PPI Reclaiming Discussion Part 5

kayla

amersall wrote: »

Phone them again and tell them what you were told about the ppi previous and if they do not deal with this complaint you will take this to FOS as this is front loaded ppi and you were not told it was a loan on a loan to term end with interest.

I take it you settled this early? if you did you would have had a rebate of the ppi, but the remaining ppi was still there and you paid this back in the settlement.
If this does not work then send them a Sar
https://forums.moneysavingexpert.com/discussion/1475553
Enclose £10 and give them 40 days to respond.

ok, i phoned them and they stated that the other guy must of got mixed up as the only insurance was mortgage protection and life cover ( don't recall taking out life cover tho) there was no ppi. he also said that the complaint is now closed.

sassyone19

amersall wrote: »

Did they say you took the ppi out in 2001 or was it 2001 that you opened the account?.
Do as Cappo says and send it to FOS.

yes they said i took the ppi out in 2001,3 years after i opened my catalogue account. I think they sold it to me over the phone cant rememberxi ha\ve sent it to fos just a waiting game nowxprob wont get anywhere with it but at least i can say ive tried,had quite a snooty reply from grattan so that made my mind up to send it to fos as i was going to leave it cus aave heard its hard to get money back off catalogue ppixxxx

toni66

Hi
i just rang nationwide and asked if they received my acceptance letter, and of course they have, i did ask how the interest was paid, and he confused me, but one good thing he said they are going back 10 years, i didnt even no I had paid it that long. My offer was £1,201, but he said i will get alot more, I so would love to know what the final offer will be, but ive got to wait, they are calculating at the moment, anyone hazzard a rough guess?

TONI

amersall

kayla wrote: »

ok, i phoned them and they stated that the other guy must of got mixed up as the only insurance was mortgage protection and life cover ( don't recall taking out life cover tho) there was no ppi. he also said that the complaint is now closed.

Do a Sar and then you will know for sure,this should give you the loan agreement, if there is PPI on there make the complaint again to Citi and enclose a copy of the agreement do not forget the front loaded reason if this goes to FOS.

amersall

sassyone19 wrote: »

yes they said i took the ppi out in 2001,3 years after i opened my catalogue account. I think they sold it to me over the phone cant rememberxi ha\ve sent it to fos just a waiting game nowxprob wont get anywhere with it but at least i can say ive tried,had quite a snooty reply from grattan so that made my mind up to send it to fos as i was going to leave it cus aave heard its hard to get money back off catalogue ppixxxx

Fingers crossed and let me know how you get on x.

amersall

toni66 wrote: »

Hi
i just rang nationwide and asked if they received my acceptance letter, and of course they have, i did ask how the interest was paid, and he confused me, but one good thing he said they are going back 10 years, i didnt even no I had paid it that long. My offer was £1,201, but he said i will get alot more, I so would love to know what the final offer will be, but ive got to wait, they are calculating at the moment, anyone hazzard a rough guess?

TONI

With this being a CC there is no way of knowing what they will offer you will just have to wait and see

sassyone19

amersall wrote: »

Fingers crossed and let me know how you get on x.

will do thanksxx

toni66

thanks the suspense is killing, i was in shock when he said we are going back 10 years

amersall

toni66 wrote: »

thanks the suspense is killing, i was in shock when he said we are going back 10 years

That is good, hope it is a nice amount

Ronnysnan

I was told my ppi on my mortgage would be settled by 1st April,I keep having letters saying they are checking and I'm still waiting !