PPI Reclaiming Discussion Part 5

[Deleted User]

Nomesnash wrote: »

[is it even worth sending this letter or as it has been going on for 22 weeks or more now shall i just escalate to FOS now?

As you only have six months from the date of the original rejection of your complaint to refer it to FOS, I'd say you should waste no more time with Lloyds.

You may even have left it too late to go to the Ombudsman.

-taff

Nomesnash wrote: »

I made my first complaint on 15/03/2012 and received a letter of acknowledgement with reference number ******, dated 20/03/2012.

I explained in my initial call...

Upon calling to make a second complaint no record of these earlier cards or account could be found ...


Armed with this information I raised my second complaint by phone on 14/05/2012 ...

Having had no confirmation letter after 3 weeks I called on 06/06/2012 to find that no complaint had been logged...

I made a complaint for the third time on the 06/06/2012, and again after having no confirmation letter called to be told that my complaint had been logged on 11/06/2012 and that the reference number was the same one as before...

Giving Lloyds the requested 8 weeks to investigate I called and spoke to an advisor named Adam on 02/08/2012

I decided to make a call on 13/08/2012 where an advisor in an overseas call centre assured me that Adam indeed sent an email but I was told on this occasion that I should wait to for someone to call me....


On the 25/09/2012 I called for an update ..

I made another call on 01/10/2012 with the same outcome. I also sent the enclosed email on 04/10/2012

Having called now approximately 2 weeks ago I was told that the team had started to look at my complaint on the 17/10/2012 and asked for a little more patience.

We are now at 22 weeks from my second complaint being made on 06/06/2012, and today 10/11/2012 I have received a letter (dated 02/11/2012) in response to my email

This is why you write, not call, because you have no paper trail to prove anything, or to go over, or to show that anything ever happened in the timescale it did, or even exactly what you were complaining about.

Write a letter to complain, but also submit your complaint to the FOS immediately. This weekend.

amersall

Jojo11 wrote: »

I had some forms from company to see if I was eligible for PPI, not thinking that I was I filled them out and was told I have a claim, now I'm thinking I dont want to give these guys 30% but am I tied into staying with them now or can I tell them not interested and claim on my own?

If you signed the contract with them and are in the 14 day cooling off period then cancel the contract in writing with them and keep a copy, make sure they respond to you and when you do the claim to the bank, make sure you let the bank know that you have cancelled the claims co and that they should only deal with you.

If you have gone past the 14 days then there is nothing you can do I am afraid.

These companies will tell you anything to get you make a claim in the hopes they get you to sign and they get a fee.

If you had PPI on a loan it will show in the agreement, if it was on a Credit card then it will show as a separate payment each month on every statement.

amersall

marzom wrote: »

Okay,

I am getting a little confused, so can anyone help?

I have never previously sought to reclaim PPI as I have never added it to my credit cards. Perhaps the only thing I did right over the years!

Anyhow, friends and colleagues are telling me that they have had succesful with PPI claims, who have been in the same situation as me , never knowingly took out PPI but were told some credit card companies added it without knowledge.

Either they are lying or I am misinformed. Is worth me giving it a go?

Ta
Chris

If you had PPI on a Credit card it will show on every statement that you got, if it was a loan it will show on the agreement, PPI is not hidden, if you think you had PPI then contact the banks and ask, if you have the account numbers then give these, then you will know one way or the other.

Nomesnash

Hi guys! Thanks for the advice. I think I will do as you suggest and escalate to ombudsman now. Yeah I knew all along I shouldn't have bothered using the phone so much. What a nightmare. I will be really very miffed if it is too late.
Ill send off all the stuff and see what happens.
Thanks!

Cochrane123_2

Hi all,

I'm a specialist complaints handler for a well known bank and I deal with PPI claims every day I'm at work. If anyone would like to know where you stand with claiming back your PPI I'm more than happy to help guide you through process and offer you a few tips on what to say. I'm not here to make money, I'm just sick of hearing stories of people that have genuinely been mis-sold the policy not getting their money back and having to pay fees because they made the mistake of putting their complaint in the hands of a Claims Management Company.

If anyone want's a helping hand, and I can promise you I don't want a bean in return, feel free to talk to me.

Mr Cochrane

allythered_2

amersall wrote: »

As they have given you a print out of the conversation, if this shows you accepted the PPI then take the money and run for the offer they have made.

As the Car craft loan was 2002 you will have a struggle to go for this due to the year, you could try as you have paperwork and see what the response is, you may have to find out who the insurer was and go for them.
Send the complaint to the area shop you got the car from.

Thanks I have signed and will be posting tomorrow thought it best to take the Money. but would say anyone who as had PPI with Yorkshire Bank then give it a try with the help from Martins template letter. Dont use a third Party I had no problems with YB and even spoke on the phone with their PPI team they were really helpful. :T
Thanks for the advise on the Car loan I have nothing to loose only a Stamp :j

worried48

Cochrane123 wrote: »

Hi all,

I'm a specialist complaints handler for a well known bank and I deal with PPI claims every day I'm at work. If anyone would like to know where you stand with claiming back your PPI I'm more than happy to help guide you through process and offer you a few tips on what to say. I'm not here to make money, I'm just sick of hearing stories of people that have genuinely been mis-sold the policy not getting their money back and having to pay fees because they made the mistake of putting their complaint in the hands of a Claims Management Company.

If anyone want's a helping hand, and I can promise you I don't want a bean in return, feel free to talk to me.

Mr Cochrane

I tried to send you a private message but it doesn't seem to be working, will try again, but I would love to talk to you please.

Cooper123

Hi, wondered if you could help.

I am in the process of reclaiming PPI on two halifax loans from 2006 and 2007.

Sent a letter seperately for each loan. Had a call from Halifax 3 weeks ago to discuss why I thought I had been missold and they said they would let me know 6 - 8weeks later.

Both loans were settled early and both had PPI that was front loaded (I think that is what it is called).

My question is what happens to the PPI Insurance when the loan is settled early? Would I still have paid the PPI for the full term in the settlement figure or do they take off these amounts? Unfortunately, I do not have the figures for when I paid off, so unsure what happens.

Perhaps somebody could help.

[Deleted User]

Cochrane123 wrote: »

I'm a specialist complaints handler for a well known bank and I deal with PPI claims every day I'm at work. If anyone would like to know where you stand with claiming back your PPI I'm more than happy to help guide you through process and offer you a few tips on what to say.

You should do this for the benefit of all by simply answering the queries on the public forum.

Cochrane123 wrote: »

I'm not here to make money

You know, even mentioning this makes you sound suspicious. For this reason, I've hit the "spam" button on your post. Feel free to prove my suspicions wrong....

worried48 wrote: »

I tried to send you a private message but it doesn't seem to be working,

This user does not have personal message privileges.
Do remember that anyone can post on this forum and can also make unlikely claims about what they do for a living etc.
I'd beware anyone promising "private" help away from forum, especially if they have no posting history.