PPI Reclaiming Discussion Part 5

the_eagle_4

just had call from we fight any claim about ppi.I told her i never had ppi on my mortgage but she insisted that the banks increased the interest rates to allow for ppi,which i do not believe ie if i paid 8% interest 2% was actually ppi.I think this was an outright lie as i never heard of this before ,what do the members think?

-taff

it's a big fat juicy lie....

amersall

kimmp wrote: »

Hi All, I would be grateful for some advice on re claiming PPI, my hubby has tried to re claim from Natwest for his credit card, but has had a letter saying not entitled because it is printed on his statement every month he has not been mis sold, he doesnt really look at his statement apart from what he has spent and was totally oblivious to the PPI bit! I know naughty man, is it worth him contacting the Ombudsman?

If this was a final response from the bank then send the complaint to FOS, there is a long waiting with them so be warned, if it was not a final response, write back to the bank and show your Hubby had no need of this PPI,Did he have a good sick package from work, life insurance, any other means of repaying the card should the worst happen, was he self employed? these are all reasons that would show there was no need of this PPI and you reject the reason they give for not upholding.

amersall

the_eagle_4 wrote: »

just had call from we fight any claim about ppi.I told her i never had ppi on my mortgage but she insisted that the banks increased the interest rates to allow for ppi,which i do not believe ie if i paid 8% interest 2% was actually ppi.I think this was an outright lie as i never heard of this before ,what do the members think?

Why on earth would a claims co lie to anyone? :p whatever next:rotfl:

MoscowFlyer74

Just got back from work and there is another message on my phone from the Financial Ombudsman. Yesterday's message was "Could you phone us as we have some news for you" and today's message is "We have have sent our assessment in the post".
I know I'm thinking too much into this but I can't help it. Surely they wouldn't have phoned saying they have news if it was bad news? They would just write?
The suspense is killing me

[Deleted User]

MoscowFlyer74 wrote: »

Surely they wouldn't have phoned saying they have news if it was bad news?

Surely they wouldn't ring you at all if they didn't require more information etc?
FOS don't ring to congratulate complainants, nor to commiserate.

dunstonh

I told her i never had ppi on my mortgage but she insisted that the banks increased the interest rates to allow for ppi

That is a lie. It just isnt possible.

just had call from we fight any claim about ppi.

I didnt think these scammers were still going.

MoscowFlyer74

Moneyineptitude wrote: »

Surely they wouldn't ring you at all if they didn't require more information etc?
FOS don't ring to congratulate complainants, nor to commiserate.

Fair point.

Han15

-taff wrote: »

Your complaint is over.

Really? That seems harsh! Would it be worth seeing if one of these no win no fees can get anywhere with it? Thanks for replying

[Deleted User]

Han15 wrote: »

Really? That seems harsh! Would it be worth seeing if one of these no win no fees can get anywhere with it? Thanks for replying

Your complaint is over because the car dealer you purchased the insurance from was not regulated in 2004 and so won't have to consider any complaint whether it comes from yourself or a Claims Company. In addition, you have no access to the Ombudsman because the PPI was purchased in an unregulated environment prior to January 2005.
This is the "harsh" reality, -taff was just putting it bluntly.