PPI Reclaiming discussion

NannyB

jeanmichie wrote: »

I contacted Egg back in August with a view to reclaiming my PPI. I took out my Egg Loan 3 years ago and have 4 more years to run. I sent my first template letter to them and had a reply back after about 6 weeks to say they were looking into this. About 6 weeks ago after ringing them, they informed me that they were trying to locate the call where I alleged I was mis-sold my PPI. Once they have traced it then they can either uphold or reject my complaint. I should have had a reply by now but thought I would give it another week before I chased. They said that all complaints are being dealt with in date order. I suspect they have quite a few! Is anyone else waiting for a reply from Egg? If so I look forward to hearing from you.

Hi,
Have received a letter from egg today after 4 weeks, saying they are still investigating and will get back to me as soon as possible, and thanking me for my continued patience.
I had a £10000 loan from egg in june 05, which was paid off in sept this year. .the total paid was over £13000 for the priviledge including a single premium ppi policy and interest... I was also made to believe I could not have the loan without the ppi....well guess, i'll have to wait for the next letter.. Has anyone had a satisfactory reclaim from egg?

christhesparky_2

I recieved the standard fob off letter today from black horse, saying it wasnt mis sold enclosing a copy of the executed CCA. I was claiming as i believed it was mis sold as i was told that i would be refused credit without it

Can anyone advise on the next step?

thanks in advance

jerrylee1000

Dear Martin

I have treid templates etc and telephoned your program however what I would like to know if possible is why does Halifax/Bank of Scotland totally refuse to answer any letters even with the threat of court, so I have had to put this into the hands of the fianacial ombudsman etc. Why when they get business do they want to rip every one off at the moment or has someone won against them yet?

KRs
Paul

tiggrae

christhesparky wrote: »

I recieved the standard fob off letter today from black horse, saying it wasnt mis sold enclosing a copy of the executed CCA. I was claiming as i believed it was mis sold as i was told that i would be refused credit without it

Can anyone advise on the next step?

thanks in advance

Hi Chris, if you were mis sold the policy after 2004 I'd take your complaint to the Financial Ombudsman, if not threaten them with the County Court for Misrepresentation - see my previous posts regarding the specifics of the act.

katie1

I wonder for all those of us getting standard letters back from Blackhorse saying they believe we wasnt mis-sold ppi. If we could all put our head together and make a letter for our selfs to help us all?

callmybill

Silly question

Has anyone claimed on PPI but still made a complaint for the mis-selling of the PPI.
In other words, you took out a loan, PPI was forced on you, you then wrote to cancel the PPI & told you you can't cancel or refused to respond to your letters???

tiggrae

callmybill wrote: »

Silly question

Has anyone claimed on PPI but still made a complaint for the mis-selling of the PPI.
In other words, you took out a loan, PPI was forced on you, you then wrote to cancel the PPI & told you you can't cancel or refused to respond to your letters???

If you've made a claim you won't be able to claim for mis selling - as obviously the policy was of use and met your circumstances at the time. You can however, cancel the policy at any time - no cancellation policies are deemed to be unfair by the FSA under the Unfair Consumer Contract Terms Regulations 1999.

Help48x

Hi,

has anyone got any experience of trying to reclaim PPI from Capital One? I have been trying to reclaim but have been met with dismissive responses. I find the prospect of going to the FSA a bit daunting as my concentration isn't what it could be these days.

I took out PPI in 2003 when I was actually on leave from work suffering from depression. To be honest I don't know how, or why I agreed to it as I subsequently realised I was already covered by an Accident, Sickness and Unemployment policy linked to my mortgage so I would normally have said a firm "no". I did get a copy of the policy and fully intended to cancel it once the free term had expired, (I believe that was 30 days or so). but overlooked it. I was then diagnosed with cancer in March of the same year and remember reading the policy which stated that I couldn't claim for that until the policy was 3 months old, (or so I think), which it would have been by that time. So I didn't claim as life was something of a whirl with immediate surgery and devastating treatment.

Once I finally got my head together I 'phoned Cap 1 and asked them if I could cancel the policy. The Customer Service bloke told me I had to contact the number on the policy, (which I couldn't find in my chemo brain state), as it was a different company to them. More treatment followed and still I couldn't get Cap 1 to cancel my policy. I even tried to do so on their website but never got a reply.

To cut a long story short, I am still paying on this policy and have asked Cap 1 to refund the payments etc. They are maintaining a stance of 'Yes we were fined for mis-selling but we won't give you your money back'.

Any suggestions as to how to proceed with this would be much appreciated.

Thanks x

redredpointer

Hi I am in the exactly same position, I have sent a letter to First " lets rip you off" plus and they said there was no case to answer, I have written to them again with the FO next - they won't win this one - keep me posted to how your is going.

heathy_2

Does anyone know how I go about getting a copy of the tape of my original telephone call with them? I think I have to apply for a Subject Access Request but where do I find a template, anyone know???