PPI Reclaiming Discussion Part 5

dolphingazer

Moneyineptitude wrote: »

Only if Di and Amersall report us to the moderators!

Let's not hope so then, I need all the help I can get:D:D:D

cappo

amersall wrote: »

Lorraine has left the building :D:D night all :A

Night lorraine and indeed Good Morning.

cappo

Tildotdel wrote: »

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

Hi jayne if you've been fully discharged and settled everything up to the receivers satisfaction you should get all and any redress (compo) come directly to you, good luck.steve

cappo

dolphingazer wrote: »

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:):)

you'll get it in the end dolphin, it's going to be a little while thats all, the banks are doing everything to hold onto our money and will try and fob as many of us off as it can, stick in there, i've been fighting barclays and LTSB for over a year but i'll get em it just takes time.

magpiecottage

Mat_Jam_Spa wrote: »

Does anybody have contact details for MD Nationwide (mortgage brokers) or Deacon Homeloans (who bought them out). My mortgage was arranged by them therefor my mortgage company say as they haven't supplied the PPI I cannot do anything. Is this true? I feel I am banging my head trying to get my money back!!!!

Why do you think you are entitled to your money back?

cappo

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?

Hi they will fob you off if they can, send your letter (keep copies)

cappo

Tildotdel wrote: »

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!

My understanding is that if you are fully discharged now as it's been 6 years you should be alright, mark might well be right,i'm not too up on bankruptcy but that is my understanding, when you part settled your debts were they classed as "fully settled"

cappo

PoTsyGirl74 wrote: »

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?

It's never too early.

magpiecottage

cappo wrote: »

Hi jayne if you've been fully discharged and settled everything up to the receivers satisfaction you should get all and any redress (compo) come directly to you, good luck.steve

Not necessarily. If whoever you claimed against was forced to write of any debt as a result of bankruptcy then they will almost certainly retain it. In those circumstances it is likely that FOS would hold that it was "fair and reasonable" for them to do so.

You could, in theory, take them to court. In those circumstances the court might grant them the right to set off but would be more likely to find in favour of the firm over the PPI complaint - meaning nothing at all would be paid.

cappo

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;)

Not everything we don't know who carly simon was singing about in her song your so vain and we don't know who shot JFK.