PPI Reclaiming Discussion Part 5

PoTsyGirl74

dolphingazer wrote: »

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;)

Thank you for the supportive message, it means A LOT!

I will persevere, and listen to all advice that comes my way

[Deleted User]

PoTsyGirl74 wrote: »

Is it too early to fill out an Ombudsman Questionnaire?

It should be the FIRST thing you do when making your complaint.
I've never trusted those Banks who take the reasons for mis-selling over the 'phone. It means there is no paper trail of your complaint.
Ring again and ask for the reference number of your complaint and write this on the top of your questionnaire.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

PoTsyGirl74

Moneyineptitude wrote: »

It should be the FIRST thing you do when making your complaint.
I've never trusted those Banks who take the reasons for mis-selling over the 'phone. It means there is no paper trail of your complaint.
Ring again and ask for the reference number of your complaint and write this on the top of your questionnaire.

Wow, OK! Thank you so much for highlighting that, I will definitely get straight onto it

[Deleted User]

Tildotdel wrote: »

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

If you complain about any policy before your bankruptcy, you will receive nothing personally.
Sorry.

goose05

Hi Cappo,

Thank you for that I shall give it a go. They can only say no, then I'll write again and if they still no I'll take it further coz I'm a persistent little thing :D:D

And don't worry, I may have lost all the t&c's but letters I keep like they are gold!

Goose

Hi goose you should have enough there to do your reclaims, send them a questionairre for each complaint giving as many details as you can you should'nt need your t&c's remember to keep copies

goose05

Hi Amersall,

TBH I have no idea if it was single premium? Looking back on what few statements with the payments on that I have, I can only see one payment going out toward the loan. So does that give you any clue?

Thanks Goose

Know it is a long shot :D but did you pay the PPI in with the loan payment each month?, if you did then this is single premium PPI and you paid this back over the loan term with interest, use this as a reason for mis sell, this is the most upheld of all PPI reclaims.

[Deleted User]

PoTsyGirl74 wrote: »

Wow, OK! Thank you so much for highlighting that, I will definitely get straight onto it

This is a great opportunity to add all the detail that you missed in your original telephone call and obviously failed to clarify in your second.

Do note that people have successfully complained on the telephone, but if this has to go to FOS it means that they are effectively dealing with exactly the same complaint information which the Bank did.

dolphingazer

PoTsyGirl74 wrote: »

Thank you for the supportive message, it means A LOT!

I will persevere, and listen to all advice that comes my way

You are very welcome:)
I had never been on a forum before, so I didn't know what to expect, :obut the guys on here are ace and so funny:D:D and helpful.
You will probably notice i'm getting wobbly now, but they are behind me:A:AThanks guys so much.

Tildotdel

Moneyineptitude wrote: »

If you complain about any policy before your bankruptcy, you will receive nothing personally.
Sorry.

Thanks.
Just thought that because all my debts were settled after the sale of my house then I would be entitled to it.

[Deleted User]

dolphingazer wrote: »

the guys on here are ace and so funny:D:D and helpful.

I know. I'm great, aren't I?:D