PPI Reclaiming Discussion Part 5

[Deleted User]

cappo wrote: »

progress this to the ombudsman now, they will look a lot more closely at your complaint, the general consensus is that the ombudsman will take the same view as the adjudicator but this was not the case in my situation, Cap 1 are not invincible lovely, although it does seem like that at times, keep your chin up and keep crashing into them, If it had'nt been for our lovely Di here i would have given up at the first hurdle. She persuaded me to keep going and i got them in the end.

These kind of posts are truly inspirational. Thanks, Steve!

Bainybabes

cappo wrote: »

Hi bainybabes i wish i could be more positive on this for you but without proof i.e a letter, email etc it's your word against there's and the fos might well side with them but i'd call the fos and ask there advice first

hey thanks for the reply , been in touch with FOS and on lady said they have never heard of this and surly somthing should happen to them because it was their error , she put me through to someone else and i have to wait for natwest to send the break down they say they have re-done ( they have never sent letters ive wanted and im sure because we now owe them this will be sent fast :mad::mad:) anyway the guy i spoke too confused me he said they can ask for it back because a goodwill payment is not a binding contract and they could well have over paid me but again heard nothing like this. If its not a binding contract surly because they have messed be about for so long i can just say well thats your fault not mine so tuff .I do have the letter from fos that tells me natwest are willing to make an offer and will be contacting me and when i checked why the money had gone natwest said yup its yours dont worry :mad:

amersall

cappo wrote: »

I think you two would make great joint bank managers, i'd borrow money off you both any day of the week at 0% interest and no ppi, But would we lend it to you? :rotfl::p:p if we did we would sell you a crappy PPI to go with that you would not be able to go mis sell as we will not be regulated :p:p:plol:rotfl::rotfl::rotfl::beer::beer::beer::beer::beer: how are you Di, there's nothing Dizzy about you my woman Agree 100% :Aand as for Amersall being a little monkey i'm sure she can't really look like that.;);););););)

I don't look like that :p i forgot to put my specs on for that pic, so just imagine my pic with specs on :p:rotfl::rotfl:

amersall

Okitsme2012 wrote: »

Hey peeps,

Wondering if you could help me. I applied through a ppi claim company for my PPI from First Plus. I then got a letter to say I had to contact the FSCS to get my ppi back as the broker, Loan Makers Ltd, had gone into administration. They sent me proof of me signing the document for loan makers and it was someone elses entirely. I then called them just to be told I had indeed signed a form with loan makers. The FSCS has now sent back a form for me to complete but they are asking for details of the company they are to persue and I have no details of loan makers as all the documentation I have refers to First Plus. I dont even remember doing anything through loan makers. How can I find out this information?

Any information would be greatly appreciated.

Thanks in advance.

You put loan makers and that they went into administration.
The FSCS will give you more details on this company if you ring them.

Is the loan repaid or still running?, just to let you know the company you are using to claim this PPI back will take a % from the whole PPI amount and not just the amount you get back.

If the loan was repaid early you will have received a rebate of the PPI, this will be taken off any redress you are due, the claims co do not take this into account, they do it on the whole PPI amount.

The FSCS only do 90% of the PPI in compensation, the claims co will still take the % on the whole PPI amount.

This type of loan should be claimed DIY due to the charge by a company on the whole PPI amount.

cappo

amersall wrote: »

I don't look like that :p i forgot to put my specs on for that pic, so just imagine my pic with specs on :p:rotfl::rotfl:

Ha Ha you'd look just lovely i'm sure

Oysterboy_2

Evening all,
It's been about 2 weeks since I sent my PPI questionnaire off to Lloyds and this evening I got a text that says information passed to them shows I'm entitled to a PPI refund. I would have just written this off as spam but the timing and also the fact that the figure quoted is about what I'm expecting is making me wonder if someone at Lloyds has sold them my details. What do you think? Just co-incidence?
I certainly won't be sending any kind of reply

amersall

Oysterboy wrote: »

Evening all,
It's been about 2 weeks since I sent my PPI questionnaire off to Lloyds and this evening I got a text that says information passed to them shows I'm entitled to a PPI refund. I would have just written this off as spam but the timing and also the fact that the figure quoted is about what I'm expecting is making me wonder if someone at Lloyds has sold them my details. What do you think? Just co-incidence?
I certainly won't be sending any kind of reply

If you have the number from the text, then report them to these.
http://www.justice.gov.uk/contacts/cmr

This is spam and you are right not to reply.

cappo

Oysterboy wrote: »

Evening all,
It's been about 2 weeks since I sent my PPI questionnaire off to Lloyds and this evening I got a text that says information passed to them shows I'm entitled to a PPI refund. I would have just written this off as spam but the timing and also the fact that the figure quoted is about what I'm expecting is making me wonder if someone at Lloyds has sold them my details. What do you think? Just co-incidence?
I certainly won't be sending any kind of reply

Who sent you a text?

cappo

Oysterboy wrote: »

Evening all,
It's been about 2 weeks since I sent my PPI questionnaire off to Lloyds and this evening I got a text that says information passed to them shows I'm entitled to a PPI refund. I would have just written this off as spam but the timing and also the fact that the figure quoted is about what I'm expecting is making me wonder if someone at Lloyds has sold them my details. What do you think? Just co-incidence?
I certainly won't be sending any kind of reply

If this was a cmc as amersall says report them this is definitely not legal if it did come from LLoyds they certainly had no business contacting anyone on your behalf, I would have thought this was a breach of the data protection act.

Oysterboy_2

The text doesn't say who it's from. Just some random mobile number.
I thought it was strange as I haven't ever really been bothered by spam texts and suddenly this.