PPI Reclaiming Discussion Part 5

[Deleted User]

dolphingazer wrote: »

Thanks for your response.
I will ring them tommorrow, but I really do think i'm going to end up sending new forms:)

Is your glass also half-empty?

Tildotdel

Hiya, I am new on here and just after a bit of advice!
I am currently in the process of trying to reclaim ppi on various credit cards and loans but I was made bankrupt many years ago and out of my estate all loans and cc were part settled but accepted as full and final payment. If I am successful, would I get the money back or will they still keep it as they were only part settled??
Many thanks in advance.
Jayne

dolphingazer

Moneyineptitude wrote: »

Is your glass also half-empty?

I think it's getting to me now:eek: thats all.
It's been a long 7 weeks and i'm beginning to doubt we will get our money back.
So glad you are all here:):)

PoTsyGirl74

:mad::mad::mad:

Received a confirmation letter on the 5th April stating they were looking into my complaints on 4 loans with PPI. They are apparently now gathering information relevant to the complaint to help assess it further. Which is absolutely fine, as expected, but the reason I'm having a rant here is because it clearly outlines in the letter that 'if you wish to provide us with further information, please feel free to do so'

Well, after some great advice here from amersall I rang them today to raise some additional points, to add weight to my complaint. The woman I spoke to was SO infuriating!!! She just repeated verbatim back to me what I'd already told them in my initial phone call last week when lodging the complaint, and when I tried to clarify certain points she was adamant that because I'd already told them my reasons for mis-sell, that there was nothing else needed. She kept talking over me :silenced:, and wouldn't let me get my point across. I wanted to highlight to her that all 4 loans had Single Premium PPI attached, that was rolled over onto each consolidation, and that as I already had a separate Lloyds 'Income Protection Plan' product in place at the time of taking the loans, that I would never have agreed to additional cover.

Anyway, to cut a very long story short, she left me feeling SO angry & frustrated . So much for 'feel free' to contact us with any further info. to add to your complaint. I wish I hadn't bothered!! I let her know in no uncertain terms that I thought her attitude stunk

Do you think I'd be wise to send them a letter highlighting those points I was trying to verbally raise with her, or just leave it and hope that she's noted them properly? Is it usual practice for them to fob you off when you try and strengthen your complaint against them?

[Deleted User]

dolphingazer wrote: »

I'm beginning to doubt we will get our money back.
So glad you are all here:):)

I went through that stage, believe me.
Thanks for the kind words...

[Deleted User]

Tildotdel wrote: »

If I am successful, will they still keep it as they were only part settled??
Many thanks in advance.

Yes, all monies awarded will go to the Official Receiver.

[Deleted User]

PoTsyGirl74 wrote: »

Do you think I'd be wise to send them a letter highlighting those points I was trying to verbally raise with her,

In a word. Yes.
Where Banks are concerned, the written word is superior in every way to the spoken.
Did you originally fill in an Ombudsman Questionnaire? If you haven't, now would be a good time...

PoTsyGirl74

Moneyineptitude wrote: »

In a word. Yes.
Where Banks are concerned, the written word is superior in every way to the spoken.
Did you originally fill in an Ombudsman Questionnaire? If you haven't, now would be a good time...

Thanks Moneyineptitude:)
No forms filled, just one phone call 2 weeks ago to raise complaint. They said nothing else was needed, and would be in touch within 8 weeks with a decision.

Is it too early to fill out an Ombudsman Questionnaire?

Tildotdel

Moneyineptitude wrote: »

Yes, all monies awarded will go to the Official Receiver.

Many thanks for your quick reply.

Even though my bankruptcy is over now as it was back in 06 and there is no official receiver to speak of??
Thanks again!

dolphingazer

PoTsyGirl74 wrote: »

:mad::mad::mad:

Received a confirmation letter on the 5th April stating they were looking into my complaints on 4 loans with PPI. They are apparently now gathering information relevant to the complaint to help assess it further. Which is absolutely fine, as expected, but the reason I'm having a rant here is because it clearly outlines in the letter that 'if you wish to provide us with further information, please feel free to do so'

Well, after some great advice here from amersall I rang them today to raise some additional points, to add weight to my complaint. The woman I spoke to was SO infuriating!!! She just repeated verbatim back to me what I'd already told them in my initial phone call last week when lodging the complaint, and when I tried to clarify certain points she was adamant that because I'd already told them my reasons for mis-sell, that there was nothing else needed. She kept talking over me :silenced:, and wouldn't let me get my point across. I wanted to highlight to her that all 4 loans had Single Premium PPI attached, that was rolled over onto each consolidation, and that as I already had a separate Lloyds 'Income Protection Plan' product in place at the time of taking the loans, that I would never have agreed to additional cover.

Anyway, to cut a very long story short, she left me feeling SO angry & frustrated . So much for 'feel free' to contact us with any further info. to add to your complaint. I wish I hadn't bothered!! I let her know in no uncertain terms that I thought her attitude stunk

Do you think I'd be wise to send them a letter highlighting those points I was trying to verbally raise with her, or just leave it and hope that she's noted them properly? Is it usual practice for them to fob you off when you try and strengthen your complaint against them?

This is exactly how they spoke to me, it's disgusting.:mad::mad:
I felt the same as you:mad::mad:
They don't seem to give a damn.
Sorry I can't help with yor question but....

Please ask the guys on here for as much help as you need, they are golden:):) and kept me going. They know the answers to everything;)