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PPI Reclaiming Discussion Part 5
Comments
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They have no access to the FOS if it was sold prior to Jan 2005.
Yeah you said that earlier as well
They didn't say when it was taken out so thought I'd add both sides just in caseSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Hi everyone
New to this so not sure if my question is in the right place, I recently sent a ppi questionare to capital one (16/1/17) and received a rejection letter today (31/1/17) is this the normal time scale as it seems very quick to me considering the claim I sent to Lloyds a week before I have received a letter stating I will have a decision by 28/2/17, any thoughts would be appreciated0 -
Time scales will vary. Cap One did it more quickly than Lloyds.0
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Hi everyone
New to this so not sure if my question is in the right place, I recently sent a ppi questionare to capital one (16/1/17) and received a rejection letter today (31/1/17) is this the normal time scale as it seems very quick to me considering the claim I sent to Lloyds a week before I have received a letter stating I will have a decision by 28/2/17, any thoughts would be appreciated
If they have good records and found evidence that contradicts your complaint then yes they would quickly reject it, similarly if you didn't have PPI
e.g. say you claimed it was forced on you in a pressure sale on the phone but their records show you applied online then it's instant rejection as you're mistaken or lying (please note this is just an example, not saying it is what happened to you!!)Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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They said I ticked the box which I'm sure I never as I already had a separate insurance scheme to cover illness etc from work, this policy was in place before taking out capital one card and sent a copy of the insurance cert. to capital one0
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They said I ticked the box which I'm sure I never as I already had a separate insurance scheme to cover illness etc from work, this policy was in place before taking out capital one card and sent a copy of the insurance cert. to capital one
Problem here is simply that their records (showing you ticked the box) will trump any memory you have. You're be wasting your time going back to them. You have the right to go to the FOS within 6 months of the rejection but no guarantee you will get any further as they'll most likely side with Cap given the evidence but who knows.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I think I might request SAR from them as I'm sure I never ticked the box0
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Hi All,
Like many I have pretty much ignored a lot of PPI notices as I haven't really used much credit over the last 10 years (a couple of credit cards but that is about it) but after reading the latest post from MSE I thought I should take a look into it.
The only credit I can think of that may have had PPI was a 2 year fixed mortgage I had with Northern Rock from 2009-2011 but I have no idea how I can find more details about my account or whether I had any PPI on it.
Anyone have any ideas?
Thanks0 -
Ask Northern Rock.0
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I think I might request SAR from them as I'm sure I never ticked the box
This will be a waste of £10 - either they will produce the form or they don't have it and are allowed to provide a reconstructed example. Did you apply on paper or online out of interest?Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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