PPI Reclaiming Discussion Part 5

di3004

jharibo wrote: »

Hi
I received an offer letter from lloyds tsb dated 7th March for £13,400 and received part payment of £6,000. however, this was made on 14th March !! i still have 2 x active loans, which i have recently made payments on and the interest calculated on my settlement figures was calculated up until 2nd April..... does anyone have any idea how long i am supposed to wait for the rest of the money to be paid?? i have chased several times with Lloyds but i don't get any real resposne other than there is a delay / back log but i will get paid !!

Thanks :-)

First of all well done on your success!:beer:

If waiting too long, I would think about asking your local MP to write to them on your behalf, they should do this on your request and it's been known to help others that have been in the same situation - with delays.

Good luck and keep at them.

di3004

miltscupra wrote: »

Hi all,

I sent the MSE form to Natwest in the middle of last year more in hope than anything else. It took them somewhere in the region of 16 weeks but I managed to reclaim just under £7000 which I could not believe!

I have now passed the form to by Brother who has just sent back his acceptance letters back! He has also provided some of his colleagues with the form to complete and claim! I think that between my myself, my bro and his colleague we should hit the banks for £10's of thousands! Result!

Cheers
Neil

Well done to you Neil Congratulations all round, great work!:beer::beer:

james24575

Hi

i wrote to Captial One using the MMT template asking for the org paper work for a credit card we had for 10 years. The account was closed in Jan but they have quoted they're under no obligation to provide documentation, section 78 of the consumer credit act 1974 does not apply.


I'm smelling a rat but what do i do now.


Thanks in advance

amersall

62john wrote: »

Hi Clare

Welcome Finance have a team from the FSCS who deal with all their complaints at their offices, usually they will contact you or send you a questionnaire. You would probably be able to find one on the internet. However, each questionnaire has a barcode on it which is specific to each customer of Welcome finance, which may casue you a few problems.

There is nothing to stop you writing a letter of complaint first, the likely response would then be asking you to fill out the FSCS questionnaire!

As usual they wont make it easy!

Hi, the FSCS cannot help Claire as her loan was taken pre 2005, the complaint should go direct to Welcome and they will deal with it.

If she contacts FSCS they will take her claim and then write to her telling her they cannot help, they do this knowing the loan was pre the date they can compensate from.

amersall

james24575 wrote: »

Hi

i wrote to Captial One using the MMT template asking for the org paper work for a credit card we had for 10 years. The account was closed in Jan but they have quoted they're under no obligation to provide documentation, section 78 of the consumer credit act 1974 does not apply.


I'm smelling a rat but what do i do now.


Thanks in advance

They are correct as the account is closed and the info may have been archived, you need to send Sar
https://forums.moneysavingexpert.com/discussion/1475553

Ask for all information they hold you not just the agreement, enclose £10 and give them 40 days to respond, the agreement may not show PPI as this could have been added at a later date, hopefully you will get some statements to show PPI being paid.

cappo

25OR624 wrote: »

I will Cappo wheels are in motion with the FOB, also the Lenders have no avenue for challenging for the victims, no telephone number, and will not entertain any communication whatsoever.
So they fob us off to the FOB as a time wasting exercise, after all this exposure as to the fraudulent ways they robbed the public they remain SCUM!!
This is war!!

As you say they robbed us, now there caught out they don't want to pay any money back, the fsa needs to take note of this and other stories like that on here.

cappo

jharibo wrote: »

Hi
I received an offer letter from lloyds tsb dated 7th March for £13,400 and received part payment of £6,000. however, this was made on 14th March !! i still have 2 x active loans, which i have recently made payments on and the interest calculated on my settlement figures was calculated up until 2nd April..... does anyone have any idea how long i am supposed to wait for the rest of the money to be paid?? i have chased several times with Lloyds but i don't get any real resposne other than there is a delay / back log but i will get paid !!

Thanks :-)

Hi haribo I threatened to issue a county court summons after 7 days they paid up on the seventh day.

cappo

1s10ma wrote: »

Thanks.
I am a newb, so please pardon me.

I just received a letter from MBNA saying that although I had PPI, that I called to cancel it and the money was refunded.
I do not have a recollection of this. They did not indicate in their letter when I made the call and how much was refunded. They also said I am not entitled to any ppi and it is their final response. They also said I should take it to FOS if I am not happy.

Can anyone please suggest what to do.

Ha Ha pipped to the post by our lorraine, as she says write and ask for proof as the onus is on them to prove this, if there's no joy fos this despite MBNA's bravado there just hoping you'll be fobbed off.

1s10ma

Moneyineptitude wrote: »

This website, of course.
Money Saving Expert. com:p

Can anyone please help?
A friend would like an assistance please?
He has lots of debts including cc and planning to do an IVA. He earns about £1400 monthly and all goes on paying bills and cc. He has 2 mortgages - both properties are on negative equity.
He lives in one with his family and let out the other - rent collected is just enough to pay the mortgage.

The question is, if he goes into an iva, will he lose both properties, as he does not want to end up on the street with his family?

What is the best way to approach his debt.

cappo

1s10ma wrote: »

Can anyone please help?
A friend would like an assistance please?
He has lots of debts including cc and planning to do an IVA. He earns about £1400 monthly and all goes on paying bills and cc. He has 2 mortgages - both properties are on negative equity.
He lives in one with his family and let out the other - rent collected is just enough to pay the mortgage.

The question is, if he goes into an iva, will he lose both properties, as he does not want to end up on the street with his family?

What is the best way to approach his debt.

Hi I always say with this sort of thing it's better to get specialised help like the cab which will be able to advise you, they have a solicitor on hand and i believe you will get a free half hour consultation if you go through the cab