PPI Reclaiming Discussion Part 5

amersall

laneycakes wrote: »

hey Moneyineptitude!

Ive just checked the letter - it goes into details (2 pages long) at what they looked at to decide if the ppi sale was ok or not - it says wether i was eligible for it, wether it was suitable (employment status etc) wether the defined sales process was adheared to and features disclosed (ie i was made aware it was optional - i wasnt!) and wether their person made me aware of some details ref it being a single premium policy. It says they used all the info i provided plus all their info..

Then both letters (identical) say

"after taking all the above info into account i am unable to find any evidence that the PPI policy was mis-sold. Therefore i regret that i am unable to uphold your complaint.

This is my final response to your complaint and i need to make you aware that you now have the option of asking the FOS to review your complaint"

so no specific reason for refusal - seems that they are saying lack of evidence...but i have the original barclayloan protection insurance documents for both loans, and on one i have the original credit agreement and breakdown (it says "single premium payment to purchase Barclayloan Protection")....

Thoughts? Is it worth bothering with the FOS?

Thanks!!!

Send these to FOS, the one agreement you have shows front loaded ppi, this is a mis sell put a copy of this in, tell FOS you want the proof that you were given the correct advice when you applied for these loans and that they were both front loaded, this may take time to get a result but do not let Barclays get away with this.

Did you have full and half sick pay if you were ill and did you have life insurance? all these help towards an uphold plus the front loaded, the FOS do not look too kindly on this ppi.

[Deleted User]

dean111 wrote: »

so does that mean i have not got a case? thanks dean

Well, I don't see on what basis you can complain if the box was not pre-ticked. This was not an advised sale, so cannot otherwise be deemed mis-sold.

EDITED TO ADD
Go look at this,Dean, it may be just what you needed to hear:
forums.moneysavingexpert.com/showthread.php?p=51818317&posted=1#post51818317

[Deleted User]

amersall wrote: »

Send these to FOS, the one agreement you have shows front loaded ppi, this is a mis sell put a copy of this in, tell FOS you want the proof that you were given the correct advice when you applied for these loans and that they were both front loaded, this may take time to get a result but do not let Barclays get away with this.

I missed this one, thanks Amersall!

laneycakes

Moneyineptitude wrote: »

I missed this one, thanks Amersall!

Thanks both! I'll get straight on it!

amersall

rambo128 wrote: »

Everyone, after abit of advice if I have done the right thing. PPI Letter sent off to Santander a couple of weeks ago. Yesterday I received a letter from Santander stating that I applyed online in March 2010. The strange thing is that they havent upheld it based on the fact I did the application online. Santander sent me a blank copy of the application form. I phoned them yesterday and they said they were unable to send me my own application as I needed to take the matter to the FSO. I wrote and posted the letter today. The other strange thing is that they sent me a blank application form with Santander on it, instead of an alliance and leicester one!. Sent all documents to FSO.
I dont know whether its a legitamate mistake or trying to pull the wool over my eyes. I definately dont remember selecting a ppi yes box

Send a Sar to Santander this will get all the info you need while you are waiting for FOS, do not forget to send copy of the blank agreement.
If they cannot find the agreement how do they know you did this online?.
https://forums.moneysavingexpert.com/discussion/1475553

sugarpuss27

amersall wrote: »

It is the dealer that you go to, i thought it was mitsubishi that sold you the car,is that the garage you bought the car from and who are the colt car company?.

You put the mis sell into the garage you bought the car from, they sold you the loan and ppi, they should not pass the buck but if they do, let them know you will pass this to FOS to deal with as they sold you the loan and ppi not any other company.

Thanks Amersall,getting myself all confused. Yes the garage sold me the car. The finance was through Shogun part of the Mitzubishi Group who are now The Colt Car Co. underwritten by LTBS. Phew! Should have sent this off to the garage but got myself in a muddle I think. Thanks again.

toni66

amersall wrote: »

Keep this separate.
Can't have the banks confused now can we? :rotfl:

Well today I had a telephone call from Nationwide about my credit card, she wanted to know about a sickness scheme that im in, i told her all about it, and when i said i joined it in 2002, she couldnt believe it, i said i get 6 months full pay and 3 months half pay and then my sickness scheme, she was stuned, and very nice, which makes a change, i felt she knew they mis sold me the ppi insurance and said u will here from us next week:o but what makes me laugh, i only submitted this claim 3 days ago and my loan claim has been 5 half weeks:(, i did say are u dealing with my loan claim and she said no, but i must say she was nice, so im keeping my fingers crossed

Toni

amersall

sugarpuss27 wrote: »

Thanks Amersall,getting myself all confused. Yes the garage sold me the car. The finance was through Shogun part of the Mitzubishi Group who are now The Colt Car Co. underwritten by LTBS. Phew! Should have sent this off to the garage but got myself in a muddle I think. Thanks again.

Let me know how you get on.

amersall

toni66 wrote: »

Well today I had a telephone call from Nationwide about my credit card, she wanted to know about a sickness scheme that im in, i told her all about it, and when i said i joined it in 2002, she couldnt believe it, i said i get 6 months full pay and 3 months half pay and then my sickness scheme, she was stuned, and very nice, which makes a change, i felt she knew they mis sold me the ppi insurance and said u will here from us next week:o but what makes me laugh, i only submitted this claim 3 days ago and my loan claim has been 5 half weeks:(, i did say are u dealing with my loan claim and she said no, but i must say she was nice, so im keeping my fingers crossed

Toni

Fingers crossed x.

di3004

sugarpuss27 wrote: »

Thanks Amersall,getting myself all confused. Yes the garage sold me the car. The finance was through Shogun part of the Mitzubishi Group who are now The Colt Car Co. underwritten by LTBS. Phew! Should have sent this off to the garage but got myself in a muddle I think. Thanks again.

Hi

It can be quite confusing when it comes who to pursue, especially when it comes to a dealer, but you got there in the end with the help of our amersall.:D;)

Good luck, please keep us posted, cheers.