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PPI Reclaiming Discussion Part 5

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Comments

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    katies_mum wrote: »
    I received a letter today from Barclays to say they have sent my complaint onto Canada Square!
    That is what I would have expected to happen. Obviously, someone sent you a standard letter instead.
  • Nasqueron
    Nasqueron Posts: 10,937 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Moneyineptitude wrote: »
    That is what I would have expected to happen.

    What? That Resolver would be a less effective way of doing it than just sending it direct to the bank? Whoda thunk it? :j

    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.

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    Nasqueron wrote: »
    What? That Resolver would be a less effective way of doing it than just sending it direct to the bank?
    Well that too. ;)
    However, I was saying that I fully expected Barclays to forward the complaint to the correct address.
  • mrsval
    mrsval Posts: 50 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Ive checked the PPI claims list and Northern rock building society isn't there is there a reason why please
  • dunstonh
    dunstonh Posts: 120,009 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    mrsval wrote: »
    Ive checked the PPI claims list and Northern rock building society isn't there is there a reason why please

    Because they no longer exist. Did the credit crunch just pass you by? ;)

    NRAM are taking complaints for things retailed via NR. They are not taking complaints for things retailed by third parties (eg mortgage brokers).
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Peanuts&Woodstock
    Peanuts&Woodstock Posts: 16 Forumite
    Fifth Anniversary 10 Posts Combo Breaker
    I had a mobile phone contract with Orange/ motorola in the mid/late 1990s and I believed I paid £4.99 p/month for cover but I've not come across the paperwork; how would I go about trying to find evidence electronically?
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 26 February 2017 at 12:14AM
    Peanuts&Woodstock wrote: »
    I had a mobile phone contract with Orange/ motorola in the mid/late 1990s and I believed I paid £4.99 p/month for cover but I've not come across the paperwork; how would I go about trying to find evidence electronically?
    Why do you think you should get a refund of mobile 'phone insurance?

    Unless you actually didn't have a 'phone at the time, I can't see any reason?

    Regardless, if you don't have any documentation from almost three decades ago you are basically stuffed because there is no way anyone else will either. There is also no electronic means of retrieving information about your finances from so long ago.
  • dunstonh
    dunstonh Posts: 120,009 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Peanuts&Woodstock wrote: »
    I had a mobile phone contract with Orange/ motorola in the mid/late 1990s and I believed I paid £4.99 p/month for cover but I've not come across the paperwork; how would I go about trying to find evidence electronically?

    You won't find evidence electronically as your data is not in the pubic domain. You are reliant on your records and their records.

    Phone insurance is not PPI.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • katies_mum
    katies_mum Posts: 2,377 Forumite
    Part of the Furniture 1,000 Posts
    Good afternoon,

    Was wondering if I could possibly has a little more help please?

    When I used Resolver regarding the Egg loan PPI I also sent a claim to HFC bank as I found a settlement letter dated 2002 for a loan and the calculation shows a figure `Less Insurance Premium refund due to you`. I am assuming the Insurance Premium they refer to is PPI as I don`t know what other insurance it could be.

    I have received a reply from HSBC saying the HFC account has now been transferred to them and they have asked me to complete another form (same as I have already done on Resolver) and have asked for more information. I already attached a copy of the settlement letter from HFC bank. This is the only information I have regarding the loan.

    Just wondering if anyone has had to fill a form out twice for the same claim, saying exactly the same? I`m really a bit stuck as I have nothing else I can tell them or send them? As always I`m grateful for any pointers in the right direction. Thanks
  • Nasqueron
    Nasqueron Posts: 10,937 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    katies_mum wrote: »
    Good afternoon,

    Was wondering if I could possibly has a little more help please?

    When I used Resolver regarding the Egg loan PPI I also sent a claim to HFC bank as I found a settlement letter dated 2002 for a loan and the calculation shows a figure `Less Insurance Premium refund due to you`. I am assuming the Insurance Premium they refer to is PPI as I don`t know what other insurance it could be.

    I have received a reply from HSBC saying the HFC account has now been transferred to them and they have asked me to complete another form (same as I have already done on Resolver) and have asked for more information. I already attached a copy of the settlement letter from HFC bank. This is the only information I have regarding the loan.

    Just wondering if anyone has had to fill a form out twice for the same claim, saying exactly the same? I`m really a bit stuck as I have nothing else I can tell them or send them? As always I`m grateful for any pointers in the right direction. Thanks

    If they are asking for more information then provide it or say you don't remember. No-one has a perfect memory and they understand that

    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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