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reclaiming queries

2

Comments

  • dunstonh
    dunstonh Posts: 120,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    johnsonv380 wrote: »
    Thanks for the advice. Both loans we were told that we would not be accepted unless we took the insurance. I will try with both and see were I get.

    Got anything stronger as that is an unprovable allegation. Most of those fail on that particular point. Although some will go on to succeed on a unrelated point. If you use that reason alone, you will be reliant on some unknown reason being successful.
    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.
  • johnsonv380
    johnsonv380 Posts: 9 Forumite
    dunstonh wrote: »
    Got anything stronger as that is an unprovable allegation. Most of those fail on that particular point. Although some will go on to succeed on a unrelated point. If you use that reason alone, you will be reliant on some unknown reason being successful.

    Both loans very kindly lent us the money for ppi in advance so we paid and still pay interest.

    I'm covered by sick pay from work being in an armed force. We didn't want the ppi but we're conned into it. Naive at the time so we didn't know any different.
  • dunstonh
    dunstonh Posts: 120,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I'm covered by sick pay from work being in an armed force.

    That is your main complaint reason. Armed forces.
    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.
  • johnsonv380
    johnsonv380 Posts: 9 Forumite
    dunstonh wrote: »
    That is your main complaint reason. Armed forces.

    Really ? There's a few factors we haven't been happy with. Thanks for your advice
  • amersall
    amersall Posts: 17,037 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    johnsonv380 wrote: »
    Really ? There's a few factors we haven't been happy with. Thanks for your advice

    Single Premium also, a loan on the loan to term end with interest, as taff said, and Armed forces as dunstonh said.
  • johnsonv380
    johnsonv380 Posts: 9 Forumite
    Hi, sorry for my delayed response, with regards to HFC we wrote to them in 2009 we did not follow up as mentioned in my first post.

    Would it be worth writing again or will it just be time barred ? Is it of any benefit it was pre ruling or not ?

    Thanks again fir your responses, much helpful
  • dunstonh
    dunstonh Posts: 120,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    You get 6 months to appeal a decision made by a firm in respect of a complaint. You can try again to see if they will re-open the case (sometimes their admin is not good enough to see you complained before and will treat a second attempt as a new complaint without realising)

    If they do link it to the old complaint and they reject it is timebarred then its game over.
    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.
  • johnsonv380
    johnsonv380 Posts: 9 Forumite
    dunstonh wrote: »
    You get 6 months to appeal a decision made by a firm in respect of a complaint. You can try again to see if they will re-open the case (sometimes their admin is not good enough to see you complained before and will treat a second attempt as a new complaint without realising)

    If they do link it to the old complaint and they reject it is timebarred then its game over.

    Worth a letter I suppose. Thanks for replying
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    johnsonv380 wrote: »
    Worth a letter I suppose. Thanks for replying
    I think if you are going to do that, it will be unwise for you to mention that you complained in 2009.
  • johnsonv380
    johnsonv380 Posts: 9 Forumite
    Moneyineptitude wrote: »
    I think if you are going to do that, it will be unwise for you to mention that you complained in 2009.

    I wont mention it, but assuming HFC would of pit a note on my file anyway ?
This discussion has been closed.
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