PPI "Assesment" is it just fluff for a silly offer??

bethg2009

Hi, I have already posted on reclaiming discussion - doesn't look as though anyones viewing over the last day so started a new thread (apologies to die hard rulesters :undecided :whistle:)

Rang to chase Cap1 (Homeowner Loans) today as no response in over 8 weeks from them - that's after they sent a letter to advise they were having trouble getting in touch with Future Mortgages as they had to validate something or other with them, (been going on a year with them now) Received a voicemail this afternoon saying they have sent me an "assesment" form in the post some weeks ago, which I obviously haven't received.
Just wondering what else they might need to "assess" - the guy on the phone was very vague, very muttery and stumbly, I'm thinking it could quite possibly be some kind of an absolutely pathetic offer that they're hoping I'm going to accept - anyone shed any light or had the same kind of dealings???

Ta

-taff

Have they upheld your complaint?

bethg2009

Just had another call from them advising they have sent a final response letter along with a settlement form for me to sign and return, however he could'nt tell me how much it was for saying that he didn't have that information available to him :mad::mad::mad: Stalling tactics I think!!
I just want to know if anyone could say how much I might be due back

Loan amount 22500.00
Insurance Premium (cash price) 5850.00
Total amount of credit 28350.00

payable by 96 monthly payments of 421.01
commencing 10/08/2003
A.P.R 09.80%

My final payment was made August 2011, after reading the T&C's the PPI only covered for the first 5 years of the loan and my payments were never ever re-assessed I carried on paying an extra near £100 a month for a further 36 months, should this be included? This was put to them too.

By my calculations I think I'm looking at around £9000

bethg2009

Anyone able to advise??
Just to add the payments actually increased up to around £452 a month with varied interest rates of inflation, would that again make a difference?

dunstonh

You would expect £5850 back plus interest.

bethg2009

Update

Still no final response although just had a phone call to advise was definately sent out last Friday (24th May) and they've confirmed the figure as £12,859 :j:T:j:T:j:T:j:T

quidsy

nice result.

dolphingazer

bethg2009 wrote: »

Update

Still no final response although just had a phone call to advise was definately sent out last Friday (24th May) and they've confirmed the figure as £12,859 :j:T:j:T:j:T:j:T

:jThat's fantastic news :beer::beer: Well done.
Enjoy your money :T

bethg2009

It's only taken 16 months like but hey-ho quicker than FOS are taking with my HFC claim been 19 months with them I'm sure I must be getting to the top of the pile

dolphingazer

bethg2009 wrote: »

It's only taken 16 months like but hey-ho quicker than FOS are taking with my HFC claim been 19 months with them I'm sure I must be getting to the top of the pile

Good luck with this. Hope you don't have to wait too much longer.

dunstonh

bethg2009 wrote: »

Update

Still no final response although just had a phone call to advise was definately sent out last Friday (24th May) and they've confirmed the figure as £12,859 :j:T:j:T:j:T:j:T

Just a few pennies them. What ever will you do with them Well done