My First Post - Hello , Debt, DMP & PPI claim be taken seriously

[Deleted User]

NewcastlePaul wrote: »

Would it be too cheeky to contact them and offer the 8k as F and F settlement and see if they accept ????

You could try, but it's a very large amount you would be asking them to write off….

NewcastlePaul

Yeah I guess.
Will wait until I have all responses from PPI queries and then see what I am left with and what I offer who for F&F

NewcastlePaul

Despite being refused by The Bank Of Scotland I am sending them a SAR letter and will look to go through the FOS.

[Deleted User]

NewcastlePaul wrote: »

Despite being refused by The Bank Of Scotland I am sending them a SAR letter and will look to go through the FOS.

Since any documentary evidence the Bank has will be made fully available to FOS, sending a SAR letter after rejection is a waste of £10. You've made your complaint to the Bank and had it rejected, your choice now is whether to refer it to the Ombudsman or not. Do note that the Ombudsman queue is currently in excess of eighteen months and you have six months to refer.

NewcastlePaul

Moneyineptitude wrote: »

Since any documentary evidence the Bank has will be made fully available to FOS, sending a SAR letter after rejection is a waste of £10. You've made your complaint to the Bank and had it rejected, your choice now is whether to refer it to the Ombudsman or not. Do note that the Ombudsman queue is currently in excess of eighteen months and you have six months to refer.

Received a letter yesterday confirming that they had received my application form and that the decision had been based on phone call. On reading form their decision was the same.

But.... Might not be a total waste of £10
Have paid £2.4k over the years on my DMP to Bank of Scotland.
I currently owe £2,672 and on the DMP they get £24 a month.

Will get reply of SAR back. Work out how much PPI i have paid.
Add 8% interest and £10 fee. Take it off outstanding balance and offer them (or Blair, Oliver and Scott) the difference as a F&F figure.

If at worse they refuse then I just pay off other creditors with refunds. Pass case on to the FOS. Can wait 2 years for a decision as going to be paying DMP for another estimated 7 years anyways)

My mess, my debt and I will pay it all back without bankruptcy or IVA. But they just going to drop to the bottom of the queue

NewcastlePaul

Rang around today about a couple of Goldfish Credit Cards that I also had back in the day (2006) Proving awkward trying to trace them though. Have both numbers and was originally ringing Lloyds TSB who told me they were dealt with by HBOS.

Rang them to be told they were now with Barclays.
I said yes. NOW but not when i took them out or paid PPI.
But after a bit more round the houses I rang Barclays who told me they were HBOS as they had took the balance over but weren't responsible for the PPI.

Rang HBOS back to tell them what Barclays had said only for HBOS to tell me I wanted LLoyds TSB.

Talk about round the houses !!
Anyone had any success with Goldfish and have a contract number or address ?

maggy50

NewcastlePaul wrote: »

Rang around today about a couple of Goldfish Credit Cards that I also had back in the day (2006) Proving awkward trying to trace them though. Have both numbers and was originally ringing Lloyds TSB who told me they were dealt with by HBOS.

Rang them to be told they were now with Barclays.
I said yes. NOW but not when i took them out or paid PPI.
But after a bit more round the houses I rang Barclays who told me they were HBOS as they had took the balance over but weren't responsible for the PPI.

Rang HBOS back to tell them what Barclays had said only for HBOS to tell me I wanted LLoyds TSB.

Talk about round the houses !!
Anyone had any success with Goldfish and have a contract number or address ?

My dealings with Goldfish being dealt with FOS who are upholding my complaint they had this eighteen months.

They dealt with Barclays and that is who I am awaiting on to calculate redress 5 months and still waiting :mad:

NewcastlePaul

Received a letter this morning
£625 refund (all against balance) from MBNA.
Total PPI refund now adding up nicely and the time of my outstanding DMP is reducing with each positive outcome

NewcastlePaul

Regarding above.
Original letter from MBNA said £625 would go against account balance however I have today received a cheque for above amount instead.

Thought Link were working with MBNA to recover debt rather than taking over it ?

Still a couple to hear from. But mega going around the houses trying to track down Goldfish Card. Have credit card numbers and dates that they were applied for but just kept being passed from Lloyds to Barclays to HBOS.

You never know. I might strike lucky and find them documented away on the the response to the SAR letter I sent the HBOS after being refused by them. Probably wishfill thinking.

If anyone does have a number for Goldfish for cards taken out 2003 and 2004 your help would be gratefully appreciated.
I am tempted once everything is finished to use a CMC to get them tracked down

NewcastlePaul

Received a cheque from Barclaycard today for £1,122.76
and a bank transfer from NRAM for £206.02 (Other £1,790.32 going against balance with Marlin)

Spoke to Barclaycard also about the 2 goldfish cards and they said no PPI on them. Getting no joy out of Lloyds or HBos so probably going to have to admit defeat on those.

Am delighted in general though how my PPI journey is going.
Just down to Lloyds now, (Loan and Credit Card)