PPI Reclaiming Discussion Part 5

dunstonh

shazzareli wrote: »

not cheeky...just naive, to me 'wrote off' means 'wrote off..thanks for the info, if i never claimed i would always have wondered what if!!

very grateful to this site for helping me of claim without the use of a 'rip off' company

Thank god you didnt use a claims company. They would now be charging you against the redress even thought you never see a penny of it.

vigman

The contact details for Alliance and Leicester PPI complaints are:
Any A&L customers with questions concerning their PPI policy can contact A&L as follows:

Call into any branch

Telephone 0844 5619790 (24 hours a day, 7 days a week)

Write to Let’s Work it Out, Alliance & Leicester plc, Carlton Park, Narborough, Leicestershire, LE19 0AL

Email letsworkitout@alliance-leicester.co.uk (for security reasons it may not be able to respond via email, therefore please provide a contact telephone number).

Thanks, Vigman...or rather thanks Vigman!!

iancrotty

Hi Everyone,

I havent been on here for a while due to personal reasons, but would like to start by saying thanks for the help given with one of my previous quests to reclaim my PPI form Barclaycard. After a few months I finally received compensation of £121.63 which is better than a kick in the teeth. But now I am having problems with EGG after finally getting in touch with them they have turned down my claim saying that as the application was done online I must have ticked the box myself or had agreed to PPI and as it was online no advice could have been given and it was solely my own choice. I am looking to contest this by writing a letter to Ombudsman but would like some advice as what to include. The card was taken out a long time ago and cant remember whether or not there was a box to be ticked but I was in steady full time employment and in good health. Sorry for the long post and if its not in the right place I apologise any help would be greatly appreciated.

Loulou100

Hi

Just starting out on this but not convinced I will get far. Before my husband and I got married, I think we we married just after, we took out a mortgage with Accord Mortgages based in Bradford. We started paying it roughly in the middle of 2004 and sold the property with the last payment being on September 3 2007. I have read the six year rule thing, I have no paperwork and the bank statements I have cover some of the payments but do not show a reference number or anything. I am trying to get an email address so I can ask them if they can forward copies of my paperwork but not managing to find one. Does anybody have any help or advice for me please.

Thank you xx

ZeroGravitas

Some words of encouragement for anyone with a complaint against NRAM. I got an acknowledgement letter pretty quickly after I sent the complaint proforma, and then heard nothing for 9 weeks. I then got a letter saying that my complaint had been upheld and I would be hearing from them with the details. This was followed by another letter telling me that the "upheld" letter was sent in error (along with 8000 others - to other people, not to me), and that they would need another 8 weeks. Time went by and sure enough, another letter arrived saying they would need another 8 weeks. As it happens, 2 weeks after this, I finally heard that my complaint was upheld, and this time it was no mistake - £9469, and an interesting wording: "I have been unable to confirm that sufficient information was provided to you to allow you to make a fully informed decision". This redress is in addition to £30k+ from First Direct and £3500 from Lloyds TSB. Now turning my attention to Barclays MPPI.

So if you've been waiting for ages to hear from NRAM, don't despair. It may take them much too long, but they'll get there in the end. Thanks again to all the good people on this forum for their great advice.

On another matter. Reading through the posts, I've noticed that quite a few complaints are made when people call up their bank, or whatever, intending just to get some information about their PPI situation. The helpful employee at the other end of the line says "why don't we make the complaint now?" and it all gets done over the phone. But it seems that quite a few of these complaints get rejected, often because the complainant feels they weren't given the chance to give all their reasons. Does anyone else feel that this approach takes the control right out of our hands and gives it to the bank? Isn't it always better to complete the questionnaire as thoroughly as you can, then you're the one in charge?

andymac101

I've only got til 12 Oct to make a decsion here.

Basically lost all the files and supplied 4 loan references to Lloyds. Lloyds have comeback saying due to the passage of time they no longer have detailed records relating to the loan and have offered 4* the average compensatory amount of 1200, resulting in £4800

Now this sounds great but have recently found an old credit agreement which is effectively a top up with details as follows:

Amount of Credit: 1500
PPI: 2229
Existing loan: 9500
Total loan:
Start date: July 1998
End date: July 2003
Monthly instalments: 60 (ie 5 years)
Monthly PPI payment: 51
Monthly Loan payment: 250
APR: 13.8%

So this would effectively mean that including interest would mean a payback for 2 of the loans (the above was a top up thus I guess covering 2 loans) of 3000 plus 8% simple so around 4000

So here's the problem - should I send them the details of this and hope they retain the other 2 averages (2*1200 plus ca 4000 from above) or just take the offer.

The unfortunate thing here is I dont know if the loan ran to term or was closed early (then again, presumably neither do they!)

I'm always of the mind of never take 1st offer in settlement!

Any views?

Cheers

nee666

After 20 mins on the phone being passed around I finally get to speak to the person I spoke to 10 days ago, who informed me card claim upheld all 7 loans upheld, I was missing 2 in the middle but had pointed out previously that they were a chain & should be delt as a chain, he said there with the calculation department & that I would get an offer letter within a week :T
Now the stalking of the postman starts :j

leew

Help, bit of advice needed please

I have been mulling over seeing into whether i'm owed anything as i've had and still got a number of various credit cards and just today i got a text from a company about this saying according to their records i am entitled to a refund of £2,130 :eek:

Now am thinking it's probably a message that's sent to everyone to be honest!

I read the guide to reclaiming but it looks a bit complex for me or maybe too much hard work without my original agreements and was thinking of using this or another company to look into it ( a big no i know!)

Any ideas as to how i approach this?

Ta.

[Deleted User]

ZeroGravitas wrote: »

Does anyone else feel that this approach takes the control right out of our hands and gives it to the bank? Isn't it always better to complete the questionnaire as thoroughly as you can, then you're the one in charge?

I agree that a written complaint gives a proper audit trail of communications to the Bank. Telephone complaints rely on the operator inputting the correct information and I don't think a comprehensive communication of concerns is even possible using this method.
However, I appreciate some people may not feel literate enough to write their complaint and anything which discourages these people from using a Claims Company is to be applauded.

ZeroGravitas

Moneyineptitude wrote: »

I agree that a written complaint gives a proper audit trail of communications to the Bank. Telephone complaints rely on the operator inputting the correct information and I don't think a comprehensive communication of concerns is even possible using this method.

Yes, I was just struck by the number of complainants using this approach who had been knocked back.

Moneyineptitude wrote: »

However, I appreciate some people may not feel literate enough to write their complaint and anything which discourages these people from using a Claims Company is to be applauded.

Absolutely fair point. Talking of which...