PPI Reclaiming Discussion Part 5

[Deleted User]

netty_s/land wrote: »

Moneyineptitude who thought I may have had difficulty in making my claim.

The timescale involved (years rather than weeks) indicates you DID have difficulty!

Regardless, well done on your (eventual) success.:T

netty_sland

Thanku for your reply. But I do think I DID NOT have difficulty in making my claim. As you shared in previous post and I Quote " I think that you will find that your complaint was closed( not so!). And that DFS will simply say they wrote to you to reject your concerns two years ago! ( Also didn't happen!). And my reasons for not chasing up the complaint do not seem very compelling either".( Although they were genuine reasons I agree I could have been more on the ball, should I say, with my complaint. But all in all one trip to DFS to copy paperwork and one email. In my book and probably to many others would not count as a DIFFICULT RECLAIM!.
So as for not being " confident of a favourable outcome". I think this goes to show you never really know!
Thanx again for your input.

-taff

The reason you were given that in reply to the scond post you made was because you made it sound as if you had already complained once 2 years previously to your second post about it.

aayush

Dear *

Thank you for your email sent on 25 April 2014.

After careful consideration of you reasons for responding to our assessment after the deadline, I must inform you that we will not be re-opening your complaint. I appreciate this may not be what you want to hear but if you can provide us with further details we may reconsider.

Yours sincerely


*
Financial Ombudsman Service

dunstonh

aayush wrote: »

Dear Mr Sethi

Thank you for your email sent on 25 April 2014.

After careful consideration of you reasons for responding to our assessment after the deadline, I must inform you that we will not be re-opening your complaint. I appreciate this may not be what you want to hear but if you can provide us with further details we may reconsider.

Yours sincerely


xxxxxxxx
Financial Ombudsman Service

i suggest you remove the name of the person from your post as it is unfair to name an individual in a public forum. However, the response itself seems fair enough.

[Deleted User]

dunstonh wrote: »

i suggest you remove the name of the person from your post as it is unfair to name an individual in a public forum.

Yet your reply repeats the names by virtue of quoting the whole unedited post!:eek:

fozmcfc

Moneyineptitude wrote: »

Yet your reply repeats the names by virtue of quoting the whole unedited post!:eek:

Many of us, have been guilty of that lol.

aayush, I'm not surprised, you were never going to get what you wanted, but fair play for at least coming back and saying so.

stew1981

Hi

My Mother works for the NHS and have a couple of historic credit cards/loans. she had a company helping her to claim back her PPI but after months of waiting they had got nowhere with this mainly due to her not understanding corrispondants from them. they sent her confirmation that they are no longer operating on her behalf. Which is why she has asked me to help her. I asked her to get all her paperwork back as i would attempt to claim it for her.(i successfully claimed mine back a few years ago).

My main question is :- she was told by this PPI claim company that because she works for the NHS they should not have sold her PPI in the first place. Is this correct before i start work on this task? Also is there a time limit to make a claim. she says on all the accounts she was told to get the account/loan it would help to have ppi.

what is the best way to deal with this?

Thanks for your time.

t.smith2005

Hi hope you can help.

I have an attachment of earnings through a court. There is PPI included, (i have the original documents to hand and there is a sheet in there unsigned by both myself and the representative. I was not told about PPI at all, and I wasn't even aware of it until i went looking for the original paperwork.
Where do I stand on getting this removed from the amount owed? I have written to the lender twice and so far they have just ignored me.

Thanks

Tracey

PaulW922

Insider101 wrote: »

It's unlikely to arise in practice, especially with most of the top banks which the government would not allow to fail as we have already seen. I'm fairly certain they have to settle the tax due to HMRC quite promptly anyway. But if the scenario did arise then HMRC would be treated as a preferential creditor when the firm's assets are administered. However, if the assets are insufficient to cover the tax bill would not impact HMRC's responsibility to repay the tax deducted from the customer. Basically the revenue would be left out of pocket, which is not a bad thing. Alas, they know it, hence why they demand quick settlement from the banks.

This is not actually correct anymore. HMRC is no longer a preferential creditor and has not been for some years.

And it IS a bad thing if HMRC lose out because that is OUR money